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Ujjivan Small Finance Bank (UJJIVANSFB) had a P/E of 10.2× on 6 Nov 2026, and the shares are 20% below their 52-week high. Its ROE of 17% is the highest among the 7 largest Banks (Regional) peers, and net profit fell 14% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 1.54× book value. It is a small-cap company with a market cap of ₹11,577 Cr, ranked 31st of 41 Banks (Regional) companies by market cap; the shares rose 12% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹58.49
Day high
₹59.65
Day low
₹56.91
Prev. close
₹58.41
Volume
1.5 Cr

Health check

3 good · 2 fair · 1 to check
  • ReturnsAhead

    +12.4% over a year, better than 6 of 7 peers.

  • Price tagIn line

    P/B 1.54 vs peer median 1.78.

  • GrowthShrinking

    Profit −14.3% a year over 3 years.

  • ProfitabilityAverage

    ROE 16.6% vs peer median 14.7%.

  • Balance sheetSolid

    Return on assets 2.05%. Bad-loan data isn’t covered.

  • Red flagsNone found

    No warning signs in the headline numbers.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Banks - Regional

40 listed peers. Screen the industry

Small cap

₹11,577 Cr, #31 of 41 in its industry by size.

Defensive

Beta 0.47 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹5,113 Cr · profit ₹1,149 Cr
Market cap
₹11,577 Cr
Small cap
P/E
10.2
Industry 9.2
Price to book
1.54
Peers 1.78
Dividend yield
0.00%
ROE
16.6%
Peers 14.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹5.81
Face value ₹10
OPM (TTM)
34.1%
Net margin 22.5%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+196.8%
Latest quarter vs a year ago
Price to sales
2.26

Strengths and risks

Strengths

  • Quarterly profit up 196.8% on a year ago.

No obvious red flags in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About Ujjivan Small Finance Bank

Ujjivan Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides current, savings, salary, TACS savings and current, and NRI accounts; and fixed, recurring, TASC fixed, NRI and NRO fixed, and tax saver fixed deposits, as well as two wheeler loan. The company's loan products include home and micro mortgages, including…

Headquarters
Bengaluru
Employees
26,555
Sector
Financial Services
ISIN
INE551W01018
Website
ujjivansfb.bank.in

Price range

52 weeks

₹49.24₹73.94

Today

₹56.91₹59.65
Avg volume (3M)
1.6 Cr
1-year return
plus 12.4%
From 52-week high
minus 19.9%

Analyst consensus

18 analysts
Strong buyMean target ₹85.39 plus 44.1%

Target range, with today’s price

Low ₹78.00High ₹95.00

Today’s price ₹59.24 is below the lowest analyst target.

Consensus from Yahoo Finance. Not a recommendation.

Peers · Banks - Regional

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
HDFCBANKHDFC Bank788.25plus 3.72%12,16,45117.22.0011.0%1.7%12.5%1.71%minus 22.9%
ICICIBANKICICI Bank1,571.20plus 4.75%11,28,25519.32.8916.5%2.1%16.8%0.80%plus 12.2%
SBINState Bank of India1,018.50plus 1.20%9,40,13810.41.4014.7%1.2%14.4%1.72%plus 5.1%
KOTAKBANKKotak Mahindra Bank480.00plus 2.78%4,77,49822.22.4511.8%2.1%8.9%0.14%plus 11.4%
AXISBANKAxis Bank1,322.90plus 3.35%4,11,98513.81.7813.9%1.6%34.6%0.08%plus 4.4%
PNBPunjab National Bank126.55plus 0.36%1,45,4436.40.9015.1%1.1%76.4%2.38%plus 2.3%
UNIONBANKUnion Bank of India187.00minus 0.53%1,42,7486.51.0016.3%1.4%31.7%2.66%plus 24.1%
UJJIVANSFBUjjivan Small Finance Bank59.24plus 1.42%11,57710.21.5416.6%2.0%−14.3%0.00%plus 12.4%
Median of 7 peers–2.78%4,77,49813.81.7814.7%1.6%16.8%1.71%5.1%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Dec 25Mar 26Jun 26Sep 26
1,1051,2961,4001,4431,544
763751785838905
136244371421491
23.8%24.0%23.9%24.8%25.6%
103186282317365
0.530.941.431.601.84

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
−14.3%
EPS CAGR 3Y
−15.5%
ROE
16.6%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
3,2884,0574,3704,907
–+23.4%+7.7%+12.3%
1,4672,2682,7183,060
90.398.3135145
−0.7−1.5−0.5−1
1,4671,702942911
25.0%24.7%22.9%24.0%
1,1001,281726693
–+16.5%minus 43.3%minus 4.6%
5.816.543.713.51

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
2,1551,9311,9351,943
1,8543,6824,1484,873
2,3911,5211,8552,486
26,91633,28839,75048,240
33,31740,42247,68957,541
179395444457
17.631.813.2–
8,5109,76611,73012,724
2,4642,5243,1573,431
22,14627,70632,34540,929
33,31740,42247,68957,541

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
1,0601,5932,0281,843
−2,096−865−1,793−2,481
1,186−519398911
151210633274
−125−246−167−184
9341,3471,8611,660
−158−68.3−290–

Shareholding pattern

Source: NSE filings
0.0%
promoters
  • Public100.00%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 20260.00%100.00%0.00
30 Jun 20260.00%100.00%0.00
31 Mar 20260.00%100.00%0.00
31 Dec 20250.00%100.00%0.00
30 Sep 20250.00%100.00%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you