profit from every ₹100 of sales.
₹0₹100
Ujjivan Small Finance Bank
₹60.30-0.28% today
+11.5% in 1 year
1-year low ₹50.441-year high ₹72.47
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay ₹17.01 for every ₹1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Ujjivan Small Finance Bank sold, what it kept, and what it did with the cash.
Sales went from ₹32.9 billion in 2023 to ₹49.8 billion in 2026, with ₹6.93 billion of profit last year.
SalesProfit
Ujjivan Small Finance Bank vs. similar companies
Ujjivan Small Finance Bank grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from ₹100 of sales | Sales growth a year | Price per ₹1 of profit |
|---|---|---|---|
| Ujjivan Small Finance Bank | 17.0× · Fair price | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.3× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Ujjivan Small Finance Bank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 32,878 | 40,571 | 44,825 | 49,785 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 10,999 | 12,815 | 7,261 | 6,926 | |
| 5.81 | 6.54 | 3.71 | – | |
| – | – | – | – | |
| – | – | – | – | |
| 33.5% | 31.6% | 16.2% | 13.9% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 333,169 | 404,222 | 476,892 | 575,412 |
| Cash | 24,637 | 25,240 | 31,570 | 34,437 |
| Total debt | 23,915 | 15,208 | 18,554 | 37,360 |
| Total liabilities | 291,078 | 348,087 | 416,057 | 507,255 |
| 42,091 | 56,135 | 60,834 | 68,157 | |
| 1,854 | 1,961 | 1,957 | – | |
| – | – | – | – | |
| 26.1% | 22.8% | 11.9% | 10.2% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 10,598 | 15,928 | 20,282 | 18,432 | |
| 1,254 | 2,457 | 1,672 | 1,836 | |
| 9,344 | 13,472 | 18,610 | 16,596 | |
| Dividends paid | 1,576 | 683 | 2,901 | – |
| – | – | – | – | |
| 90 | 116 | 173 | 191 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 17.0×
- –
- –
- 1.5×
- 2.4×
- 5.9%
- –
Profitability
- 13.9%
- –
- –
- –
- –
Growth
- +14.8%
- –
- –
- +4.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 35%of 861
Top 31%of 860
Top 16%of 917
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Ujjivan Small Finance Bank
Is Ujjivan Small Finance Bank a good stock to buy?
A solid business at a fair price. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Ujjivan Small Finance Bank AI analysis
What does Ujjivan Small Finance Bank do?
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 is in Banks - Regional, based in Bengaluru, India.
Is Ujjivan Small Finance Bank stock halal?
No. Ujjivan Small Finance Bank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Ujjivan Small Finance Bank stock done over the past year?
Up 11.5% over the past twelve months, to ₹60.30. It traded between ₹50.44 and ₹72.47 and is 16.8% below its high.
Who are Ujjivan Small Finance Bank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Ujjivan Small Finance Bank's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.