Ujjivan Small Finance Bank Limited Q4 FY25 earnings call summary

Earnings call of 30 Apr 2025, summarised by AI from the filing.

Ujjivan SFB Q4 FY25 disbursements highest ever at ₹7,440 cr; FY26 guidance deferred to Q1 FY26 results.

Key takeaways

1. Q4 disbursements Highest ever at ₹7,440 cr, up 39% Q-o-Q and 11% Y-o-Y; gross loan book ₹32,122 cr.
2. Secured mix Secured book now 44% of loan portfolio, up from 30% last year.
3. Guardrail 2 risk Microbanking still to navigate geography-specific issues and guardrail 2 mandates; some disturbance expected.

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

• Q1 FY27: Earnings call (23 Jul 2026), Results deck (23 Jul 2026), Results press release (23 Jul 2026)
• Q4 FY26: Earnings call (8 May 2026), Results deck (8 May 2026), Results press release (8 May 2026)
• Q3 FY26: Earnings call (22 Jan 2026), Results deck (22 Jan 2026), Results press release (22 Jan 2026)
• Q2 FY26: Earnings call (17 Oct 2025), Results deck (17 Oct 2025)
• Q1 FY26: Earnings call (24 Jul 2025), Results deck (24 Jul 2025), Results press release (24 Jul 2025)
• Q4 FY25: Earnings call (30 Apr 2025), Results deck (30 Apr 2025)
• Other events: Special call (1 Sep 2026), Strategy deck (8 Sep 2025), Strategy deck (11 Jun 2025)