Ujjivan Small Finance Bank Limited (NSE:UJJIVANSFB)

India · Delayed Price · Currency is INR

71.80

+1.47 (2.09%)

Jul 31, 2026, 3:30 PM IST

NSE:UJJIVANSFB Financials Overview

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

Millions INR. Fiscal year is Apr - Mar.

Revenue & Profits

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Revenue	46,155	41,794	37,348	39,813	32,693	9,460
Revenue Growth	28.70%	11.91%	-6.19%	21.78%	245.58%	-23.72%
Net Income	9,060	6,926	7,261	12,815	10,779	-4,146
Earnings Per Share	4.57	3.51	3.71	6.54	5.81	-2.40
EPS Growth	69.08%	-5.39%	-43.27%	12.57%	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Treasury	9,053	9,361	8,639	7,152	4,317	2,821
Retail Banking	73,173	68,770	61,406	56,178	42,290	28,159
Wholesale Banking	2,295	2,259	1,961	1,309	934.83	746.74
Total	84,521	80,390	72,006	64,639	47,542	31,727

Cash & Debt

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Cash & Investments	5,200	5,200	2,187	2,004	3,354	6,489
Total Debt	37,360	37,360	28,454	21,708	26,415	17,636
Net Cash (Debt)	-32,160	-32,160	-26,266	-19,704	-23,061	-11,147
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-16.26	-16.32	-13.43	-10.05	-12.44	-6.45

Cash Flow & CapEx

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Cash Flow	-	-61,947	-41,401	-45,030	-61,857	-26,020
Capital Expenditures	-	-1,836	-1,672	-2,457	-1,254	-514.81
Free Cash Flow	-	-63,782	-43,073	-47,487	-63,110	-26,535
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Profit Margin	19.63%	16.57%	19.44%	32.19%	32.97%	-43.82%
FCF Margin	-	-152.61%	-115.33%	-119.27%	-193.04%	-280.49%

Dividends

Fiscal Year	FY 2024	FY 2023
Period Ending	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023
Dividend Per Share	1.500	1.250
Dividend Per Share Growth	20.00%	-
Dividend Yield	3.50%	5.18%

Valuation

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug '26 Aug 2, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
PE Ratio	15.68	14.17	9.17	6.77	4.58	-
Forward PE	11.07	17.16	17.16	17.16	17.16	17.16
PS Ratio	3.02	2.35	1.78	2.18	1.51	2.70