Ujjivan Small Finance Bank Limited (NSE:UJJIVANSFB)

NSE:UJJIVANSFB Financials Overview

Financials in millions INR. Fiscal year is April - March.

Revenue & Profits

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Revenue Revenue Growth	51,134	41,794	37,348	39,813	32,693	9,460
Revenue Growth	44.91%	11.91%	-6.19%	21.78%	245.58%	-23.72%
Net Income Net Income Growth	11,493	6,926	7,261	12,815	10,779	-4,146
Earnings Per Share EPS Growth	5.79	3.51	3.71	6.54	5.81	-2.40
EPS Growth	171.36%	-5.39%	-43.27%	12.57%	-	-

Revenue by Segment

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Treasury Treasury Growth	9,235	9,361	8,639	7,152	4,317	2,821
Retail Banking Retail Banking Growth	77,916	68,770	61,406	56,178	42,290	28,159
Wholesale Banking Wholesale Banking Growth	2,472	2,259	1,961	1,309	934.83	746.74
Total Total Growth	89,624	80,390	72,006	64,639	47,542	31,727

Cash & Debt

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Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Cash & Investments Cash & Investments Growth	29,110	5,200	2,187	2,004	3,354	6,489
Total Debt Total Debt Growth	30,255	37,360	28,454	21,708	26,415	17,636
Net Cash (Debt) Net Cash Growth	-1,145	-32,160	-26,266	-19,704	-23,061	-11,147
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-0.58	-16.32	-13.43	-10.05	-12.44	-6.45

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Operating Cash Flow Operating Cash Flow Growth	-93,432	-61,947	-41,401	-45,030	-61,857	-26,020
Capital Expenditures CapEx Growth	-2,023	-1,836	-1,672	-2,457	-1,254	-514.81
Free Cash Flow Free Cash Flow Growth	-95,455	-63,782	-43,073	-47,487	-63,110	-26,535
Free Cash Flow Growth	-	-	-	-	-	-

Margins

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep 30, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Profit Margin	22.48%	16.57%	19.44%	32.19%	32.97%	-43.82%
FCF Margin	-186.67%	-152.61%	-115.33%	-119.27%	-193.04%	-280.49%

Dividends

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Fiscal Year	FY 2024	FY 2023
Period Ending	Mar 31, 2024	Mar 31, 2023
Dividend Per Share Dividend Per Share Growth	1.500	1.250
Dividend Per Share Growth	20.00%	-
Dividend Yield	3.39%	4.95%

Valuation

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Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Oct 22, 2026	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
PE Ratio	10.71	14.17	9.17	6.77	4.58	-
Forward PE	8.67	17.16	17.16	17.16	17.16	17.16
PS Ratio	2.36	2.35	1.78	2.18	1.51	2.70

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 22, 2026

Data Sources Report a data error