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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Ujjivan Small Finance Bank Limited is an India-based small finance bank. The Company operates through three segments: Treasury, Retail Banking and Corporate/ Wholesale Segments. The Treasury segment consists of net interest earnings from the Company’s investment portfolio,…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, stagnant business, priced for perfection.
Ujjivan Small Finance Bank is scored on the bank / lender framework. It keeps a slim 8.6% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 19%/yr and profit at -14%/yr. Book value itself has compounded 17%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 15.3%. In the latest quarter profit grew 15% versus the prior quarter.
At 17× earnings, the stock sits at the 88th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price asks for only ~-1%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 10.07 | 9.9 | worse |
| P/B | 1.55 | 1.39 | worse |
| ROE | 15.26 | 9.98 | better |
| ROA | 1.37 | 0.92 | better |
| NIM | 7.35 | 4.25 | better |
| Net NPA | 0.43 | 0.79 | better |
| CASA | 28.6 | 30.48 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 19% CAGR over 3 years — steady double-digit compounder.
Revenue is outpacing profit (19% vs -14%) — costs are rising faster than the top line.
Operating margin has compressed from 31% to 11% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line. Margins have declined for 3 consecutive years — watch for a structural cost problem.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. -15% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
Operating cash flow has been positive every year — the business generates real cash, not just accounting profit. Cash conversion at 2.7× PAT — earnings are well-backed by cash; strong accrual quality. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 7% sequentially — momentum is building. Run-rate stepping up — recent quarters average 12% above earlier ones.
Profit jumped 15% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (9% → 15%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
FII stake up 2.6pp over 4 quarters — growing foreign interest. MF holding up 7.6pp — domestic institutional discovery underway. Both FII and MF added last quarter — broad institutional confidence.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.