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Utkarsh Small Finance Bank Limited Q2 FY26 earnings call summary
NSE: UTKARSHBNK · BSE: 543942
Earnings call of 14 Nov 2025, summarised by AI from the filing.
Utkarsh Small Finance Bank reported a ₹348 cr net loss in Q2 FY26 on legacy stress, but targets around 25% loan book growth and about 15% ROE by end of FY28.
Key takeaways
- Net loss ₹348 cr net loss in Q2 FY26 on legacy stress and elevated credit costs.
- Change JLG exposure moderated to 39% of gross loan book from 88% in March 2020.
- Driver Secured lending now 47% of loan book, up from 38% as on September 2024.
- Risk Legacy stress still to be provided for will keep credit costs elevated in the near term.
Utkarsh Small Finance Bank Limited Q1 FY27 results
As filed: Revenue ₹884 cr, EBITDA −₹164 cr, PAT −₹33.9 cr, EBITDA margin -18.6%.
Not scored. Bank result format: not scored yet.
Earlier results and the share price after them
- Q4 FY26: Revenue ₹837 cr, EBITDA −₹347 cr, PAT −₹188 cr, EBITDA margin -41.5%. Not scored. Bank result format: not scored yet. Share price after the results: −20.3% in 30 days (Nifty 500: −4.1%).
- Q3 FY26: Revenue ₹821 cr, EBITDA −₹571 cr, PAT −₹375 cr, EBITDA margin -69.6%. Not scored. Bank result format: not scored yet. Share price after the results: −3.1% in 30 days (Nifty 500: −1.9%).
- Q2 FY26: Revenue ₹840 cr, EBITDA −₹562 cr, PAT −₹348 cr, EBITDA margin -67.0%. Not scored. Bank result format: not scored yet. Share price after the results: −7.5% in 28 days (Nifty 500: −0.5%).
- Q1 FY26: Revenue ₹881 cr, EBITDA −₹457 cr, PAT −₹239 cr, EBITDA margin -51.8%. Not scored. Bank result format: not scored yet. Share price after the results: −5.0% in 30 days (Nifty 500: +0.2%).
- Q4 FY25: Revenue ₹880 cr, EBITDA −₹276 cr, PAT ₹3.0 cr, EBITDA margin -31.4%. Not scored. Bank result format: not scored yet. Share price after the results: −2.1% in 30 days (Nifty 500: +3.8%).
- Q3 FY25: Revenue ₹932 cr, EBITDA −₹343 cr, PAT −₹168 cr, EBITDA margin -36.9%. Not scored. Bank result format: not scored yet.
- Q2 FY25: Revenue ₹987 cr, EBITDA −₹34.6 cr, PAT ₹51.0 cr, EBITDA margin -3.5%. Not scored. Bank result format: not scored yet.
Past price moves after results do not indicate future moves. Not a recommendation.
Utkarsh Small Finance Bank Limited earnings call, investor presentation and press release summaries
- Q1 FY27: Earnings call (3 Aug 2026), Results deck (1 Aug 2026), Results press release (1 Aug 2026)
- Q4 FY26: Earnings call (11 May 2026), Results deck (9 May 2026), Results press release (9 May 2026)
- Q3 FY26: Earnings call (2 Feb 2026), Results deck (2 Feb 2026), Results press release (2 Feb 2026)
- Q2 FY26: Earnings call (14 Nov 2025), Results deck (14 Nov 2025), Results press release (14 Nov 2025)
- Q1 FY26: Earnings call (4 Aug 2025), Results deck (2 Aug 2025), Results deck (27 Aug 2025), Results press release (2 Aug 2025)
- Q4 FY25: Earnings call (5 May 2025), Results deck (3 May 2025), Results press release (3 May 2025)
Figures from the company's filings with NSE and BSE. Not investment advice.