Ujjivan Small Finance Bank
Ujjivan Small Finance Bank Share Price Chart
Ujjivan Small Finance Bank last traded at ₹62.28 (2026-10-13). Over the past month the stock moved -6.3%, three months the stock moved +12.4%, year the stock moved +36.0%. Its closing range over 52 weeks is ₹48.72 – ₹72.39, with the latest close 14.0% below the high.
Closing prices up to 2026-10-13.
About Ujjivan Small Finance Bank
Ujjivan Small Finance Bank Limited is a mass market focused bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country. It started its operations as Ujjivan Financial Services Limited, a Non-Banking Financial Company in 2005 with the mission to provide financial services to the ‘economically active poor’ who were not adequately served by financial institutions. [1]
Business Segments Retail Banking: 87% in Q3 FY26 vs 89% in FY22 Treasury: 11% in Q3 FY26 vs 9% in FY22 Wholesale Banking: 3% in Q3 FY26 vs 2% in FY22 [1][2]
Fundamentals
Quarterly Results
In the latest quarter (Jun 2026), Ujjivan Small Finance Bank reported sales of ₹2,025.00 crore (+25.1%) and net profit of ₹317.00 crore (+207.8%), compared with the same quarter last year.
| Period | Sales | Operating profit | OPM % | Net profit | EPS (₹) |
|---|---|---|---|---|---|
| Jun 2026 | 2,025 | 165.00 | 8.00 | 317.00 | 1.63 |
| Mar 2026 | 1,878 | 64.00 | 3.00 | 282.00 | 1.45 |
| Dec 2025 | 1,752 | -51.00 | -3.00 | 186.00 | 0.96 |
| Sep 2025 | 1,682 | -96.00 | -6.00 | 122.00 | 0.63 |
| Jun 2025 | 1,619 | -113.00 | -7.00 | 103.00 | 0.53 |
| Mar 2025 | 1,573 | -174.00 | -11.00 | 83.00 | 0.43 |
| Dec 2024 | 1,591 | -36.00 | -2.00 | 109.00 | 0.56 |
| Sep 2024 | 1,613 | 103.00 | 6.00 | 233.00 | 1.20 |
| Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|
| Sales growth | +16.0% | +8.2% | +2.9% | +2.7% | +4.3% | +10.1% | +19.4% | +25.1% |
| Operating profit growth | -58.5% | -117.1% | -185.7% | -155.7% | -193.2% | – | – | – |
| Net profit growth | -29.0% | -63.7% | -74.8% | -65.8% | -47.6% | +70.6% | +239.8% | +207.8% |
| EPS growth | -28.6% | -63.4% | -74.4% | -66.0% | -47.5% | +71.4% | +237.2% | +207.5% |
| OPM % | 6.0% | -2.0% | -11.0% | -7.0% | -6.0% | -3.0% | 3.0% | 8.0% |
Colour scale: below -5% -5% to 0% 0% to 5% 5% to 20% 20% and above. A dash means the earlier figure was zero or negative, so a percentage is not meaningful.
Annual Financials
In the latest year (Mar 2026), Ujjivan Small Finance Bank reported sales of ₹6,931.00 crore (+9.1%) and net profit of ₹693.00 crore (-4.5%), compared with the previous year.
| Period | Sales | Operating profit | OPM % | Net profit | EPS (₹) |
|---|---|---|---|---|---|
| Mar 2026 | 6,931 | -196.00 | -3.00 | 693.00 | 3.57 |
| Mar 2025 | 6,354 | 230.00 | 4.00 | 726.00 | 3.75 |
| Mar 2024 | 5,677 | 1,014 | 18.00 | 1,281 | 6.54 |
| Mar 2023 | 4,165 | 968.00 | 23.00 | 1,100 | 5.63 |
| Mar 2022 | 2,813 | -830.00 | -30.00 | -415.00 | -2.40 |
| Mar 2021 | 2,806 | -215.00 | -8.00 | 8.00 | 0.05 |
| Mar 2020 | 2,704 | 217.00 | 8.00 | 350.00 | 2.02 |
| Mar 2019 | 1,832 | 54.00 | 3.00 | 199.00 | 1.38 |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Sales growth | +24.8% | +47.6% | +3.8% | +0.2% | +48.1% | +36.3% | +11.9% | +9.1% |
| Operating profit growth | – | +301.9% | -199.1% | – | – | +4.8% | -77.3% | -185.2% |
| Net profit growth | +2742.9% | +75.9% | -97.7% | -5287.5% | – | +16.5% | -43.3% | -4.5% |
| EPS growth | +2660.0% | +46.4% | -97.5% | -4900.0% | – | +16.2% | -42.7% | -4.8% |
| OPM % | 3.0% | 8.0% | -8.0% | -30.0% | 23.0% | 18.0% | 4.0% | -3.0% |
Colour scale: below -5% -5% to 0% 0% to 5% 5% to 20% 20% and above. A dash means the earlier figure was zero or negative, so a percentage is not meaningful.
AI Analysis
Ujjivan SFB is trading at ₹58.64, up 49.59% YoY but down 7.04% over 3 months, with a concerning fundamental deterioration: operating losses expanding (OPM: -7% TTM vs +18% Mar 2024), net profit collapsing 61% YoY (₹494Cr TTM vs ₹1,281Cr Mar 2024), and EPS halved from ₹6.54 to ₹2.55. The stock appears overvalued at P/E 23.06 (1.22x industry), masking severe profitability erosion driven by elevated operating costs and margin compression in a competitive small finance banking environment.
- Strong operating cash flow (₹2,028Cr Mar 2025) covering capex with ₹633Cr net cash generation, indicating cash-backed liquidity despite profit decline
- Bullish technical setup with RSI 55.0 (neutral momentum), Tech Score 70.0, and price 12.4% above 200-day MA suggesting near-term support from chart-driven buyers
- Moderate leverage at D/E 0.48 (Sep 2025) remains manageable for a small finance bank; DII accumulation (+8.54% QoQ) signals some institutional confidence amid FII exit
- Severe profitability erosion: net profit crashed 61% YoY (₹1,281Cr → ₹494Cr TTM), with operating losses widening consecutively (OPM -11% → -7% last 4 quarters) indicating structural cost inflation or asset quality stress unresolved
- Valuation disconnect: P/E 23.06 (1.22x industry) unjustified for a bank with ROE 7.9% (below cost of capital ~10-12%), negative operating margins, and EPS halved—significant downside risk if earnings don't recover by FY26
AI-generated analysis for informational purposes only — not SEBI-registered investment advice.
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Ujjivan Small Finance Bank Ltd. - Moneycontrol.com
Frequently Asked Questions
What is the share price of Ujjivan Small Finance Bank today?
Ujjivan Small Finance Bank shares were last quoted at ₹62.28 (+1.4% on the day). Use the Refresh price button on this page for the latest available price. Prices are for information only.
What is the P/E ratio of Ujjivan Small Finance Bank?
Ujjivan Small Finance Bank has a price-to-earnings (P/E) ratio of 14.01 and a price-to-book (P/B) ratio of 1.81. The industry P/E is 18.17.
What is the 52-week high and low of Ujjivan Small Finance Bank?
The 52-week high of Ujjivan Small Finance Bank is ₹73.90 and the 52-week low is ₹43.88.
What is the market cap of Ujjivan Small Finance Bank?
The market capitalisation of Ujjivan Small Finance Bank is about ₹12,681.87 crore.
How did Ujjivan Small Finance Bank perform in its latest quarterly results?
In the latest quarter (Jun 2026), Ujjivan Small Finance Bank reported sales of ₹2,025.00 crore (+25.1%) and net profit of ₹317.00 crore (+207.8%), compared with the same quarter last year.
Is Ujjivan Small Finance Bank a good stock to buy?
This page is for information and is not investment advice. As per the data shown here, Ujjivan Small Finance Bank has a 3-year ROE of 16.00%, 3-year profit growth of -14.00%. Review the fundamentals, quarterly results and AI analysis on StockSpin, and consult a SEBI-registered adviser before investing.
Which sector does Ujjivan Small Finance Bank belong to?
Ujjivan Small Finance Bank belongs to the Bank - Private sector.