Ujjivan Small Finance Bank Limited (NSE:UJJIVANSFB)

NSE:UJJIVANSFB Statistics

Total Valuation

NSE:UJJIVANSFB has a market cap or net worth of INR 100.79 billion.

Market Cap	100.79B
Enterprise Value	n/a

Important Dates

The last earnings date was Friday, October 24, 2025.

Earnings Date	Oct 24, 2025
Ex-Dividend Date	n/a

Share Statistics

NSE:UJJIVANSFB has 1.94 billion shares outstanding. The number of shares has increased by 0.03% in one year.

Current Share Class	1.94B
Shares Outstanding	1.94B
Shares Change (YoY)	+0.03%
Shares Change (QoQ)	+0.81%
Owned by Insiders (%)	1.34%
Owned by Institutions (%)	25.14%
Float	1.85B

Valuation Ratios

The trailing PE ratio is 24.38 and the forward PE ratio is 12.10.

PE Ratio	24.38
Forward PE	12.10
PS Ratio	2.86
PB Ratio	1.59
P/TBV Ratio	1.59
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.95
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.83%.

Return on Equity (ROE)	6.83%
Return on Assets (ROA)	0.89%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	1.45M
Profits Per Employee	171,056
Employee Count	24,374
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NSE:UJJIVANSFB has paid 1.10 billion in taxes.

Income Tax	1.10B
Effective Tax Rate	20.95%

Stock Price Statistics

The stock price has increased by +36.64% in the last 52 weeks. The beta is 0.41, so NSE:UJJIVANSFB's price volatility has been lower than the market average.

Beta (5Y)	0.41
52-Week Price Change	+36.64%
50-Day Moving Average	45.97
200-Day Moving Average	42.04
Relative Strength Index (RSI)	68.50
Average Volume (20 Days)	12,987,834

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, NSE:UJJIVANSFB had revenue of INR 35.29 billion and earned 4.17 billion in profits. Earnings per share was 2.13.

Revenue	35.29B
Gross Profit	35.29B
Operating Income	5.27B
Pretax Income	5.27B
Net Income	4.17B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	2.13

Balance Sheet

The company has 23.74 billion in cash and 29.62 billion in debt, giving a net cash position of -5.88 billion or -3.03 per share.

Cash & Cash Equivalents	23.74B
Total Debt	29.62B
Net Cash	-5.88B
Net Cash Per Share	-3.03
Equity (Book Value)	63.23B
Book Value Per Share	32.73
Working Capital	-365.25B

Cash Flow

In the last 12 months, operating cash flow was -29.69 billion and capital expenditures -1.51 billion, giving a free cash flow of -31.19 billion.

Operating Cash Flow	-29.69B
Capital Expenditures	-1.51B
Free Cash Flow	-31.19B
FCF Per Share	-16.10

Margins

Gross Margin	n/a
Operating Margin	14.95%
Pretax Margin	14.95%
Profit Margin	11.82%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

NSE:UJJIVANSFB does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	n/a
Buyback Yield	-0.03%
Shareholder Yield	-0.03%
Earnings Yield	4.14%
FCF Yield	-30.95%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2