UJJIVANSFBUjjivan Small Finance Bank Ltd.

₹48.72-0.12%

Market Cap

₹0.00 Cr

Stock P/E

0.00

ROCE

0.00%

ROE

0.00%

Book Value

₹0.00

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From Last Concall

POSITIVES

•
Q1 gross loan book grew 11% YoY and 4% QoQ to INR 33,287 crore, with disbursements up 24% YoY to INR 6,539 crore.
•
Secured book share rose from 31% to 46% YoY, signaling a calibrated shift to secured products and improved portfolio quality.

NEGATIVES

•
Near-term NIM pressure due to asset mix shift and excess liquidity; management guides NIM around 7.9% in Q2 and 7.8% by Q4.
•
Karnataka remains a regional stress point with Karnataka PAR at 7.4% (within a INR5,300 crore IL book; Karnataka ~10% of the book).

Peers Summary

Sector Leader

Ujjivan Small Finance Bank Ltd. demonstrates weak financial performance relative to its peers, particularly in revenue growth and profitability metrics. Most peers exhibit strong growth, profitability, and efficiency metrics, with several undervalued options available. Ujjivan's lack of profitability and growth makes it less attractive compared to its competitors, which are performing well in terms of returns and growth prospects.

Key Points

• Ujjivan Small Finance Bank shows no revenue growth and 0% ROE, ROA, and ROCE.
• ICICI Bank and HDFC Bank are leaders in profitability with high EPS and ROE values.
• Kotak Mahindra Bank shows strong growth metrics with high PE and profitability margins, indicating its premium valuation is justified.

Top Performers

ICICI Bank Ltd.

Highest revenue growth (YoY: 16.81%) and EPS (74.057), indicating strong profitability and growth.

HDFC Bank Ltd.

Lowest PE ratio (10.52) with solid EPS growth and profitability metrics.

Kotak Mahindra Bank Ltd.

High ROA (2.5901) and strong growth with high margins, making it a quality pick despite higher valuation.

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