Get 50% OFF This Monsoon!
Ujjivan Small Finance Bank
No Data Available
No Stocks
Unlock Smart Score
See Detailed Analysis & Insights
Unlock Insights
See Detailed Analysis & Insights
No Research Report
ROE
Avg ROE (3 Yrs) : NaN%
ROCE
Avg ROCE (3 Yrs) : NaN%
ROA
Avg ROA (3 Yrs) : NaN%
NPM
Avg NPM (3 Yrs) : NaN%
No Data Available
Unlock Management Data
See Detailed Analysis & Insights
Ujjivan Small Finance Bank Limited is a mass market focused small finance bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country.The companies Promoter, Ujjivan Financial Services Limited (UFSL) commenced operations as an NBFC in 2005 with the mission to provide a full range of financial services to the economically active poor' who were not adequately served by financial institutions. On October 7, 2015, UFSL received RBI In-Principle Approval to set up a Small Finance Bank(SFB), following which it incorporated Ujjivan Small Finance Bank Limited as a wholly-owned subsidiary. UFSL, subsequent to obtaining RBI Final Approval on November 11, 2016 to establish and carry on business as an SFB, transferred its business undertaking comprising of its lending and financing business to our Bank, which commenced its operations from February 1, 2017.
Ujjivan Small Finance Bank has a diversified portfolio with branches spread across 24 states and union territories and a customer base of 4.72 million as of June 30, 2019. Apart from the network of branches, ATMs and Automated Cash Recyclers, the bank has a phone banking unit that services customers in eleven languages, a mobile banking application that is accessible in five languages as well as internet banking facility for individual and corporate customers.
The Bank operationalised 101 Banking Outlets (BO) including 24 in Unbanked Rural Centres (URCs) during FY 2019-20. As of March 31, 2020, the Bank operated a strong network of 575 Banking Outlets (BOs) and 475 ATMs. The Bank came up with an IPO of 202,702,702 Equity Shares of Face Value of Rs 10 each for cash at a price of Rs 37 per equity share (including a share premium of Rs 27 per equity share) aggregating to Rs 7,459.46 Million. Pursuant to the IPO, the Equity Shares of the Bank got listed on BSE and NSE on December 12, 2019. The Bank, as part of its IPO, had undertaken PreIPO Placement of 71,428,570 Equity Shares by way of preferential issue on private placement basis at a price of Rs 35 per equity shares for cash consideration.
As of March 31, 2021, the Bank operated a strong network of 575 Banking Outlets (BOs) and 491 ATMs. During FY 2020-21, new products launched included Differential saving account rates; Point of Sale (PoS) machine; Cash Management Services (CMS) solutions; Online fee collection solutions and QR code solution for merchants. The Bank introduced new health insurance offerings, scaled up employee IRDA certification efforts, improved internal processes to remove operational bottlenecks, adopted digital initiatives for customer on-boarding and servicing, and focused on quality customer acquisition across business verticals.
The Bank operated a network of 492 Automated Teller Machines (ATMs) as at March 31, 2022. New products like term loan, overdraft and cash credit facility, were launched under the Credit Guarantee Trust for MSE scheme (CGTMSE); and cash credit/OD facilities were introduced for FIG customers.
During 2023, the Bank expanded its branch network by introducing 54 new branches, bringing the total to 629 branches. The Bank operated a network of 517 Automated Teller Machines (ATMs) as at March 31, 2023. It commenced operations in Telangana. It opened 9 new branches in Uttar Pradesh and Gujarat; it added regional processing hubs across the country to enhance the regional presence and cater to major markets such as Ahmedabad, Coimbatore, Patna, and Jaipur. Additionally, it launched Asset Centres dedicated to serving MSME customers, with the first centre opening in Mysuru.
Ujjivan Small Finance Bank share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.
Market capitalization of Ujjivan Small Finance Bank indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Ujjivan Small Finance Bank is valued compared to its competitors.
Ujjivan Small Finance Bank PE ratio helps investors understand what is the market value of each stock compared to Ujjivan Small Finance Bank 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.
The PEG ratio of Ujjivan Small Finance Bank evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.
Return on Equity (ROE) measures how effectively Ujjivan Small Finance Bank generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.
Return on Capital Employed (ROCE) evaluates the profitability of Ujjivan Small Finance Bank in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.
Total debt of Ujjivan Small Finance Bank shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.
The Debt-to-Equity (DE) ratio of Ujjivan Small Finance Bank compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.
CAGR shows the consistent growth rate of Ujjivan Small Finance Bank over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.
Technical analysis of Ujjivan Small Finance Bank helps investors get an insight into when they can enter or exit the stock. Key components of Ujjivan Small Finance Bank Technical Analysis include:
There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.
There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Ujjivan Small Finance Bank shares often struggle to rise above due to selling pressure.
Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Ujjivan Small Finance Bank ’s financial health and profitability.
Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.
Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.
The financials of Ujjivan Small Finance Bank provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.
The profit and loss statement of Ujjivan Small Finance Bank highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Ujjivan Small Finance Bank .
The balance sheet presents a snapshot of Ujjivan Small Finance Bank ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.
Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.
Download the App