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Ujjivan Financial Services Limited

Ujjivan Financial Services Limited

UJJIVAN.BO
Ujjivan Financial Services LimitedIN flagBombay Stock Exchange
590.35
INR
+15.75
- -
71.90BMarket Cap
Ujjivan Financial Services Limited
UJJIVAN.BO
(Bombay Stock Exchange)

Recent

price

590.35

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
TTM
FRC
23.78
43.59
38.44
36.05
53.05
88.88
114.33
115.37
117.48
152.56
223.18
230.88
224.87
327.55
429.82
Revenue per Share
2.77
3.27
0.44
5.49
8.39
11.24
20.12
17.76
2.16
12.43
23.25
-16.34
-15.75
73.2
67.46
Basic EPS, GAAP
-45.2
-58.1
-44.31
-66.81
-67.64
-225.68
-194.18
-61.95
173.98
-280.64
-219.88
117.36
223.51
154.52
- -
Free Cash Flow per Basic Share
- -
0.23
0.21
- -
0.29
0.57
0.59
- -
0.8
1.35
0.45
0.8
- -
9.08
- -
Dividend per Share
10.3
12.69
17.64
16.44
21.6
32.18
41.62
41.55
41.21
48.02
118.69
101.43
73.79
119.28
- -
Book Value per Share
30.05
33.08
62.31
51.6
56.36
108.67
135.1
139.85
137.9
148.92
254.73
234.14
215.21
340.11
- -
Tangible Book Value per Share
35
35
39
62
66
67
88
117
120
121
121
122
122
122
122
Basic Weighted Avg Shares
829
1,519
1,482
2,225
3,479
5,993
10,073
13,494
14,109
18,465
27,103
28,081
27,361
39,856
52,304
Sales/Revenue/Turnover
36.26
11.77
1.01
21.08
25.26
19.92
26.79
21.69
17.87
24.65
40.79
45.74
40.59
52.17
45.08
Operating Margin (%)
17
26
24
25
31
67
80
126
414
606
1,660
1,699
1,551
1,628
1,716
Depreciation Expense
96
114
17
339
550
758
1,772
2,077
260
1,504
2,823
-1,988
-1,917
8,907
8,209
Net Income, GAAP
18.95
35.64
21.81
31.13
34.35
33.82
34.84
35.45
41.86
26.29
28.19
- -
- -
25.51
25.77
Effective Tax Rate (%)
11.63
7.51
1.16
15.21
15.82
12.65
17.59
15.39
1.84
8.15
10.42
-7.08
-7.01
22.35
15.69
Profit Margin (%)
3,334
2,516
4,325
4,970
6,691
13,868
15,759
64,421
78,473
119,115
150,952
166,586
195,156
287,094
- -
Working Capital
2,370
1,671
2,550
3,835
5,651
12,831
17,332
62,914
38,528
46,704
45,962
39,503
32,750
55,640
- -
LT Debt
1,056
1,162
2,427
3,213
3,725
7,364
11,978
17,002
17,319
18,777
31,708
29,503
27,223
42,422
- -
Total Equity
- -
3.66
0.3
5.35
7
5.33
7.1
2.61
1.27
3.71
11.09
- -
- -
19.6
- -
Return on Invested Capital (%)
- -
16.78
16.83
21.55
23.93
22.11
24.58
3.34
0.84
5.28
14.15
- -
- -
26.02
18.43
Return on Capital (%)
- -
28.49
3.06
39.94
45.27
42.27
60.73
48.71
5.29
27.96
27.92
-14.86
-17.99
75.83
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'24
Sep'24
Dec'24
ST Debt
- -
- -
- -
LT Borrowings
- -
53,340
- -
LT Finance Leases
- -
5,082
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
122
- -
Market Capitalization
46,601
68,044
68,868

Working Capital

FRC

•

in mil. unless spec.
Jun'24
Sep'24
Dec'24
Total Current Assets
- -
278,917
- -
Cash, Cash Equivalents & STI
- -
22,561
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
1,234
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
33.85%
23.69%
55.83%
Free Cash Flow
-56.07%
-75.55%
-30.87%
Net Income, GAAP
-0.75%
-34.26%
-564.67%
Sales/Revenue/Turnover
35.96%
24.87%
45.66%
Total Cash Common Dividend
- -
- -
1,035.05%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
6,884
7,310
7,085
6,083
27,361
2023
10,077
10,390
11,431
7,958
39,856
2024
13,676
14,951
15,719
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
-6.8
-4.66
-12.43
- -
-15.75
2023
20.23
21.12
18.12
- -
73.2
2024
18.07
18.56
17.09
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
- -
- -
- -
- -
- -
2023
- -
- -
- -
- -
9.08
2024
- -
- -
- -
- -
- -
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Business
Ujjivan Financial Services Limited, the promoter of Ujjivan Small Finance Bank Limited, operates as a financial services provider focused on mass-market banking for unserved and underserved segments in India; it offers micro loans, gold loans, vehicle loans including two-wheeler loans, MSME loans, home loans, housing loans, micro-mortgages, agriculture loans, working capital loans, savings accounts, current accounts, fixed deposits, recurring deposits, tax saver deposits, senior citizen products, debit cards, insurance products, retail forex and trade services, video banking, and mobile, internet, and phone banking facilities with biometric-enabled ATMs and Aadhaar-enabled KYC account opening. Headquartered in Bengaluru and founded in 2005 as a non-banking financial company, the entity transitioned through its small finance bank commencing operations in February 2017 with scheduled bank status in August 2017; it maintains a network of 766 branches across 334 districts in 26 states and union territories, serving nearly 99 lakh customers with diversified loan segments including wholesale at 8%, SME at 27%, education at 12%, MFI at 11%, vehicle at 25%, gold at 13%, and home at 4%, targeting urban, semi-urban, rural, Tier II and III markets, progressive farmers, MSMEs, and families through products like Sampoorna family banking and Navratna premium services. Recent developments include the 2022 board approval of its reverse merger into Ujjivan Small Finance Bank completed by 2025 as announced on its website redirecting to ujjivansfb.in, receipt of RBI's Authorised Dealer Category 1 licence in 2024 enabling foreign exchange services, application for a universal banking licence in 2025, robust Q2 FY25 loan book growth of 14% year-over-year driven by 43% in housing and 57% in another segment, upward revisions to savings deposit rates reaching up to 7.25% and fixed deposits to 7.45% effective August 2025 with senior citizen rates at 7.95%, and digital fixed deposit launches alongside mobile banking app updates.