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Ujjivan Small Finance Bank Limited strategy deck summary

NSE: UJJIVANSFB · BSE: 542904

Strategy deck of 11 Jun 2025, summarised by AI from the filing.

FY25 net profit ₹7.26 Bn; applied for Universal Bank License; aims ~3% (₹6 Bn+) business contribution next year.

Key takeaways

  1. Net profit FY25 net profit ₹7.26 Bn, down from ₹12.82 Bn in FY24 and ₹10.99 Bn in FY23.
  2. Guidance Aims to unlock ~3% (₹6 Bn+) business contribution next year by activating all verticals.
  3. Credit cost Credit cost rose to ₹7.48 Bn in FY25 from ₹2.15 Bn in FY24.
  4. Universal bank Applied for Universal Bank License; no timeline given.
  5. Asset quality GNPA 2.2%, NNPA 0.5%, PCR 78% in FY25.

Original filing on BSE

Ujjivan Small Finance Bank Limited Q1 FY27 results

As filed: Revenue ₹2,025 cr, EBITDA ₹165 cr, PAT ₹317 cr, EBITDA margin 8.1%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹1,878 cr, EBITDA ₹64.1 cr, PAT ₹282 cr, EBITDA margin 3.4%. Not scored. Bank result format: not scored yet. Share price after the results: −14.5% in 28 days (Nifty 500: −3.2%).
  • Q3 FY26: Revenue ₹1,752 cr, EBITDA −₹51.0 cr, PAT ₹186 cr, EBITDA margin -2.9%. Not scored. Bank result format: not scored yet. Share price after the results: +13.5% in 29 days (Nifty 500: +2.5%).
  • Q2 FY26: Revenue ₹1,682 cr, EBITDA −₹96.4 cr, PAT ₹122 cr, EBITDA margin -5.7%. Not scored. Bank result format: not scored yet. Share price after the results: +5.8% in 28 days (Nifty 500: +1.2%).
  • Q1 FY26: Revenue ₹1,619 cr, EBITDA −₹113 cr, PAT ₹103 cr, EBITDA margin -7.0%. Not scored. Bank result format: not scored yet. Share price after the results: −7.0% in 29 days (Nifty 500: −1.9%).
  • Q4 FY25: Revenue ₹1,573 cr, EBITDA −₹175 cr, PAT ₹83.0 cr, EBITDA margin -11.1%. Not scored. Bank result format: not scored yet. Share price after the results: −2.0% in 30 days (Nifty 500: +3.1%).
  • Q3 FY25: Revenue ₹1,591 cr, EBITDA −₹36.2 cr, PAT ₹109 cr, EBITDA margin -2.3%. Not scored. Bank result format: not scored yet.
  • Q2 FY25: Revenue ₹1,613 cr, EBITDA ₹103 cr, PAT ₹233 cr, EBITDA margin 6.4%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Ujjivan Small Finance Bank Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.