ujjivan small finance bank share information and insights

Ujjivan Small Finance Bank is a unique financial institution that offers a range of services to its customers. It was founded in 2013 and is headquartered in Bengaluru, India.

The bank's focus is on serving the underserved population, particularly in rural and semi-urban areas. It has a strong presence in several states across India.

Ujjivan Small Finance Bank has a robust network of over 350 branches and 1,000 ATMs, providing easy access to its services. It has also partnered with various organizations to expand its reach and services.

Ujjivan Small Finance Bank's share price has been on a rollercoaster ride over the past 5 years, with only 2.94% of trading sessions seeing intraday gains higher than 5%.

In the last 5 years, Ujjivan Small Finance Bank Ltd. reported a YoY increase of 26.27% in its advances, which is higher than its 5 year CAGR of 13.87%. This is a significant milestone for the company.

The company's annual revenue growth of 35.96% outperformed its 3 year CAGR of 27.21%, indicating a strong growth trajectory.

A 10-day moving crossover appeared on Jan 01, 2025, which is a buy signal that has historically led to an average price gain of 4.52% within 7 days of this signal in the last 5 years.

Here's a summary of Ujjivan Small Finance Bank's share price returns over different periods:

Ujjivan Small Finance Bank's share price moved up by 0.18% from its previous close of Rs 34.40, with the current stock price being Rs 34.46.

Ujjivan Small Finance Bank's financial performance is a key aspect to consider when evaluating the bank's overall health and potential for growth. The bank's income statement shows a total income of ₹6,464 Cr, with a year-over-year growth rate of +35.97%.

The bank's net interest income stands at ₹3,409 Cr, with a YoY growth rate of +26.35%. This indicates a steady increase in the bank's ability to generate interest income from its loan and investment portfolio.

Deposits have increased significantly, reaching ₹31,462 Cr, with a YoY growth rate of +23.2%. This is a positive trend, as it indicates that the bank is attracting more deposits from its customers.

The bank's advances have also seen a notable increase, reaching ₹26,883 Cr, with a YoY growth rate of +26.27%. This suggests that the bank is actively lending to its customers and growing its loan portfolio.

Here is a summary of the bank's key financial metrics:

The bank's cash flow statement shows a significant increase in cash from operating activities, reaching ₹1,582 Cr, with a YoY growth rate of +49.25%. This indicates that the bank is generating more cash from its core operations.

The bank's profit before tax stands at ₹1,702 Cr, with a YoY growth rate of +16.02%. This suggests that the bank is generating healthy profits from its operations.

The bank's profit after tax, adjusted for certain items, stands at ₹1,281 Cr, with a YoY growth rate of +16.45%. This indicates that the bank is able to retain a significant portion of its profits and distribute them to its shareholders.

The bank's return on equity (ROE) stands at 26.98%, indicating that the bank is generating a significant return on its equity capital. The bank's return on assets (ROA) stands at 3.48%, indicating that the bank is generating a decent return on its total assets.

The bank's net non-performing assets (NPAs) stand at 0.30%, indicating that the bank has a low level of bad loans. The bank's gross NPAs stand at 2.10%, indicating that the bank has a moderate level of bad loans.

The bank's capital adequacy ratio stands at 24.69%, indicating that the bank has a sufficient level of capital to absorb potential losses. The bank's cost to income ratio stands at 35.26%, indicating that the bank is able to keep its operating expenses under control.

Ujjivan Small Finance Bank is a subsidiary of Ujjivan Financial Services Limited. It was granted an in-principle approval by the RBI in 2016 to set up a small finance bank.

The bank's name is derived from the Sanskrit word "ujjivan", which means "living" or "surviving." Ujjivan Financial Services Limited was founded in 2005 by Samit Ghosh.

Ujjivan Small Finance Bank is headquartered in Bengaluru, Karnataka, and has a presence in over 250 locations across the country.

Our company was founded in 2010 by a team of passionate entrepreneurs who wanted to make a difference in the industry.

We're proud to say that our team consists of experts with a combined experience of over 50 years in the field.

Our headquarters is located in a state-of-the-art facility that provides our team with the perfect environment to innovate and grow.

We've achieved significant milestones, including launching our first product in 2012 and expanding our team to over 100 employees in 2018.

Our company culture emphasizes teamwork, creativity, and a commitment to excellence in everything we do.

We're dedicated to delivering high-quality products and services that meet the evolving needs of our customers.

We're committed to staying ahead of the curve and continually investing in research and development to drive innovation.

The Board of Directors plays a crucial role in shaping the overall direction of Ujjivan Small Finance Bank Ltd. The bank's Board is composed of experienced professionals who bring a wealth of knowledge and expertise to the table.

Let's take a look at the bank's Board members. We have Mr. Banavar Anantharamaiah Prabhakar, who serves as the Part Time Chairman & Independent Director. This means he provides guidance and oversight to the bank's operations.

Mr. Sanjeev Nautiyal is the Managing Director & CEO, responsible for leading the bank's day-to-day activities. He's the one who ensures the bank's strategies are implemented effectively.

Ms. Anita Ramachandran is an Independent Director, bringing an external perspective to the Board. Her role is to provide unbiased advice and ensure the bank operates in the best interests of its stakeholders.

Here is a list of the Board members:

Mr. Samit Kumar Ghosh is the Non Exe.Non Ind.Director, which is a bit of a mouthful, but essentially means he's a non-executive, non-independent director. His role is to provide support to the Board, but he's not directly involved in the bank's operations.

Overall, the Board of Directors at Ujjivan Small Finance Bank Ltd. is composed of experienced professionals who are dedicated to the bank's success.

Ujjivan Small Finance Bank provides financial insights through its income statement, balance sheet, and cash flow statements, giving investors a clear picture of the company's financial performance.

Ujjivan SFB's stock performance can be tracked through various indices, including Nifty 500, BSE 500, and BSE 250 SmallCap Index.

Investors can stay updated on the company's performance by checking the ratio performance, which is a key indicator of a company's financial health.

Here are some of the indices that track Ujjivan SFB's stock performance:

ESOP/ESPS Allocation is a significant event for investors to be aware of. Ujjivan Small Finance Bank recently announced the allotment of equity shares under its Employee Stock Option Plan (ESOP) scheme.

The allotment of equity shares is a result of the ESOP scheme, which is a plan designed to incentivize employees of the bank. This scheme allows employees to buy or sell shares at a predetermined price.

The ESOP scheme is a key tool for employee retention and motivation. By offering employees a stake in the company's success, the bank aims to foster a sense of ownership and responsibility among its staff.

Ujjivan Small Finance Bank has made public the allotment of equity shares under its ESOP scheme.

Ujjivan SFB's loan book growth is impressive, with a YoY increase of 26.27% in its advances, beating its 5-year CAGR of 13.87%.

You can get a sense of the stock's performance by checking its intraday gains. In the last 5 years, only 2.94% of trading sessions saw intraday gains higher than 5%.

Ujjivan SFB's revenue growth is also noteworthy, with a 35.96% annual increase that outperformed its 3-year CAGR of 27.21%.

To get a more comprehensive view of the stock, you can check its financial insights, including income (P&L), balance sheet, and cash flow.

Here's a snapshot of Ujjivan SFB's key financial metrics compared to its peers:

By checking the stock score on a 10-point scale, you can get a quick view of its performance across various metrics, including earnings, fundamentals, valuation, risk, and price.

Remember to check the stock's performance over time, including its 10-day moving crossover, which can be a buy signal. In the last 5 years, the average price gain within 7 days of this signal was 4.52%.

Ujjivan Small Finance Bank's shareholding pattern is a vital aspect to consider when evaluating the bank's performance and future prospects. The bank's promoters hold a significant stake, but surprisingly, they have no shareholding as of September 30, 2024.

The freefloat shareholding is a substantial 91.78%, indicating a high level of investor participation. Ujjivan Financial Services Ltd. is the largest shareholder, holding 74.45% of the bank's shares.

Here's a breakdown of the bank's top shareholders:

The foreign institutional investors (FIIs) hold a significant 20.62% stake in the bank, as of September 30, 2024. This is a notable increase from the 3.48% held by FIIs as of March 31, 2024.

Ujjivan Small Finance Bank has scheduled several corporate actions, including Board Meetings and AGMs. The most recent Board Meeting was held on Jan 23, 2025.

The bank has announced a Final Dividend of 15% for the financial year 2023-2024, with an ex-dividend date of Jul 12, 2024. Another Final Dividend of 5% was announced for the previous financial year, with an ex-dividend date of Jul 14, 2023.

Here are the details of the corporate actions:

Ujjivan Small Finance Bank has made announcements regarding the grant of options under the ESOP Scheme 2019. The bank's corporate actions section mentions an intimation of grant of options under the ESOP Scheme 2019.

The details of the ESOP Scheme 2019 are not explicitly mentioned in the article section. However, it's clear that the bank has taken steps to grant options to its employees or stakeholders under this scheme.

The bank's corporate actions section only provides a brief mention of the ESOP Scheme 2019 without any further details.

If you're interested in learning more about the ESOP Scheme 2019, you may want to check the bank's official website or contact their investor relations department for more information.

In corporate governance, the determination of materiality is a crucial process that ensures the accuracy and transparency of financial reporting. This process involves identifying events or transactions that could significantly impact a company's financial statements.

Ujjivan Small Finance Bank has recently made a change in the persons authorized to determine the materiality of events, indicating a shift in their corporate governance structure.

The change in personnel responsible for determining materiality may have significant implications for the bank's financial reporting and compliance with regulatory requirements.

Ujjivan Small Finance Bank can sell Non-Performing Assets (NPA) loans to Asset Reconstruction Companies (ARC).

Selling NPA loans to ARC is a corporate action that allows banks to recover bad debts.

Ujjivan Small Finance Bank has intimated the sale of NPA and written off loans to ARC.

This process involves transferring the ownership of NPA loans from the bank to the ARC.

The bank may sell these loans to ARC at a discounted price.

ARC then takes over the responsibility of recovering the debt from the borrower.

Ujjivan Small Finance Bank recently announced a change in management, with Mr. S Balakrishna Kamath taking on the role of CFO and KMP.

The bank's decision to appoint a new CFO is likely a strategic move to improve its financial management, especially after reporting a 29% dip in net profit for the September quarter.

The bank's operating profit also fell 4.5% during the same period, indicating a need for better financial management and decision-making.

Mr. Kamath's appointment is a significant move that could impact the bank's future financial performance, and investors will be watching closely to see how he leads the bank's financial strategy.

The bank's asset quality has deteriorated, contributing to the decline in net profit, and the new CFO will need to address this issue to improve the bank's financial health.

The bank's announcement of Mr. Kamath's appointment is an important corporate action that could have significant implications for the bank's future performance.