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HOME   >  CORPORATE INFO > FINANCIAL RATIOS
Financial Ratios      
Ujjivan Small Finance Bank Ltd.
BSE Code 542904
ISIN Demat INE551W01018
Book Value 29.98
NSE Code UJJIVANSFB
Dividend Yield % 4.39
Market Cap 66161.39
P/E 5.68
EPS 6.02
Face Value 10  
Particulars Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Operational & Financial Ratios          
   Earnings Per Share (Rs)24.70  5.51  -2.40  0.05  1.95  
   DPS(Rs)1.50  1.25  0.00  0.00  0.00  
   Book NAV/Share(Rs)79.59  20.25  14.81  17.21  17.16  
Margin Ratios          
   Yield on Advances21.12  19.56  17.25  19.36  19.25  
   Yield on Investments7.19  4.85  4.88  9.10  6.02  
   Cost of Liabilities6.74  5.21  5.18  6.58  7.26  
   NIM8.70  8.36  7.84  8.82  9.19  
   Interest Spread14.38  14.36  12.07  12.78  11.99  
Performance Ratios          
   ROA(%)3.48  3.86  -1.88  0.04  2.18  
   ROE(%)31.70  33.75  -14.98  0.28  15.26  
   ROCE(%)26.50  28.36  -7.33  4.51  12.26  
Efficiency Ratios          
   Cost Income Ratio54.31  54.82  70.14  60.57  67.42  
   Core Cost Income Ratio54.63  54.85  70.73  62.29  67.61  
   Operating Costs to Assets5.64  5.41  6.34  6.04  7.16  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)1.79  4.59  0.00  635.34  14.07  
   PCE(x)1.67  4.16  -7.66  61.94  11.21  
   Price/Book(x)0.56  1.25  1.00  1.77  1.60  
   Yield(%)3.39  4.94  0.00  0.00  0.00  
   EV/Net Sales(x)0.79  1.87  1.61  3.11  3.29  
   EV/Core EBITDA(x)2.33  5.24  7.10  10.89  13.95  
   EV/EBIT(x)1.13  2.65  9.25  8.02  5.79  
   EV/CE(x)0.57  1.14  0.19  0.43  0.48  
   M Cap / Sales0.40  1.19  0.91  1.88  1.75  
Growth Ratio          
   Core Operating Income Growth26.37  52.12  2.61  5.81  47.65  
   Operating Profit Growth0.00  100.01  -48.93  -76.78  -32.18  
   Net Profit Growth16.51  365.30  -5096.93  -97.63  75.65  
   BVPS Growth293.07  36.68  -13.94  0.29  52.61  
   Advances Growth26.27  30.59  12.48  3.21  33.08  
   EPS Growth(%)347.99  329.89  -5096.90  -97.54  62.44  
Liquidity Ratios          
   Loans/Deposits(x)0.07  0.10  0.10  0.25  0.37  
   Cash / Deposits(x)0.08  0.09  0.09  0.13  0.11  
   Investment / Deposits(x)0.31  0.33  0.23  0.19  0.22  
   IncLoan / Deposits(x)6.90  10.34  9.64  24.72  36.67  
   Credit/Deposits(%)85.45  83.37  89.13  110.34  130.27  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)0.28  0.04  0.61  2.93  0.20  
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