Ujjivan Small Finance Bank Limited
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Ujjivan Small Finance Bank Limited's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 49% in 3 years, but profit fell: ₹25 less profit per ₹100 of extra sales. Lower than 90% of Financial Services companies in India.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 1/3Sales grew in 3 of the last 3 years; profit grew in 1 of 3.
Less steady than 66% of Financial Services companies in India.
Growth Efficiency Ratio
−₹25Sales grew 49% in 3 years, but profit fell: ₹25 less profit per ₹100 of extra sales.
Lower than 90% of Financial Services companies in India.
Asset Productivity Ratio
+49% / +73%In 3 years sales changed by +49% while total assets changed by +73%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every ₹100 the company owns, ₹100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 57% of Financial Services companies in India.
Tangible Net Worth Ratio
99%Of every ₹100 of net worth, ₹99 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 57% of Financial Services companies in India.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Ujjivan Small Finance Bank Limited owes ₹0.88 for every ₹1 it owns. Net profit fell 5% in the year to Mar 2026, and shrank 14% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
13.5Investors pay ₹13.5 for every ₹1 of Ujjivan Small Finance Bank Limited's yearly profit, lower than 56% of Financial Services companies in India.
P/B ratio
1.78The share price is 1.78 times Ujjivan Small Finance Bank Limited's book value per share, higher than 58% of Financial Services companies in India.
Market cap
₹12,106 CrThe total market value of all of Ujjivan Small Finance Bank Limited's shares at today's price (share price × number of shares), larger than 60% of Financial Services companies in India. PosiCap size class: Meso Cap.
Net worth (book value)
₹6,816 CrWhat Ujjivan Small Finance Bank Limited would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
₹34.90Net worth divided by the number of shares. The share price of ₹61.99 is 1.8 times this, which is the P/B above.
Return on equity (ROE)
13.1%Ujjivan Small Finance Bank Limited earned 13.1% on its shareholders' money over the last year, higher than 61% of Financial Services companies in India.
Owes vs Owns
0.88×Ujjivan Small Finance Bank Limited owes ₹0.88 for every ₹1 it owns (high), higher than 81% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
NoneUjjivan Small Finance Bank Limited does not currently pay a dividend.
Revenue growth
+12%Revenue rose 12% in the year to Mar 2026, and grew 14% a year on average over 3 years.
Profit growth
-5%Net profit fell 5% in the year to Mar 2026, and shrank 14% a year on average over 3 years.
Profit margin
14.1%Ujjivan Small Finance Bank Limited keeps ₹14 of every ₹100 of revenue as net profit.
Questions
What is Ujjivan Small Finance Bank Limited's P/E ratio?
Investors pay ₹13.5 for every ₹1 of Ujjivan Small Finance Bank Limited's yearly profit, lower than 56% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Ujjivan Small Finance Bank Limited: ₹12,106 Cr ÷ ₹6,816 Cr (31 Mar 2026) = 1.8.
What is Ujjivan Small Finance Bank Limited's return on equity?
Ujjivan Small Finance Bank Limited earned 13.1% on its shareholders' money over the last year, higher than 61% of Financial Services companies in India.
How much does Ujjivan Small Finance Bank Limited owe compared with what it owns?
Ujjivan Small Finance Bank Limited owes ₹0.88 for every ₹1 it owns (high), higher than 81% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does Ujjivan Small Finance Bank Limited pay a dividend?
No. Ujjivan Small Finance Bank Limited does not currently pay a dividend.
Is Ujjivan Small Finance Bank Limited's revenue growing?
Revenue rose 12% in the year to Mar 2026, and grew 14% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.