Ujjivan SF Bank Peer Comparison

NSE: UJJIVANSFB | BSE: 542904

₹56.13

₹1.63 (2.99%)

As on 29-Oct-2026IST

Market cap

₹10,937 Cr

Revenue (TTM)

₹7,809 Cr

P/E Ratio

9.5

P/B Ratio

1.5

Div. Yield

0 %

Edit

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank	Suryoday Small
Market cap (₹ Cr)	10,937	6,520	4,165	2,230	1,425
Interest Income (₹ Cr)	7,809	7,554	5,930	4,162	2,471
Net Interest Income (₹ Cr)	4,529.12	3,887.05	3,011.33	2,177.41	1,277.86
NIM (%)	8.40	--	7.50	--	--
RoA (%)	2.05	1.14	1.03	0.91	1.25
Price to Earnings	9.52	9.26	8.77	8.23	7.43
Price-To-Book	1.47	1.04	0.87	1.20	0.67

Income Statement (₹ Cr)

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank	Suryoday Small
Interest Earned	7,808.56	7,554.42	5,930.03	4,161.61	2,470.68
Other Income	1,153.77	1,099.53	966.13	932.33	445.56
Total Income	8,962.33	8,653.95	6,896.16	5,093.94	2,916.24
Interest Expended	3,279.44	3,667.37	2,918.70	1,984.20	1,192.82
Operating Expenses	3,586.74	3,469.84	2,649.39	1,904.56	1,243.38
Operating Profit before Prov. & Cont.	1,710.13	1,264.97	1,165.66	711.97	384.06
Provisions and Contingencies	569.48	593.21	852.96	847.44	160.46
Profit Before Tax	911.03	128.13	326.43	-228.40	199.57
Taxes	377.39	219.17	0.00	86.86	81.57
Profit after Tax	1,149.28	704.36	475.11	270.88	238.01
Minority Interest	0.00	0.00	0.00	0.00	0.00
Share of Associate	0.00	0.00	0.00	0.00	0.00
Consolidated Profit	1,149.28	704.36	475.11	270.88	238.01

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank	Suryoday Small
Shareholder's Funds	7,531.91	6,553.15	4,920.65	2,027.20	2,217.66
Minority Interest	0.00	0.00	0.00	0.00	0.00
Deposits	50,643.01	52,482.72	38,220.80	28,465.63	16,183.72
Borrowings	3,025.53	6,885.81	5,247.91	1,783.67	2,531.95
Other Liabilities & Provisions	1,434.84	2,524.78	1,725.62	413.16	509.73
Total Liabilities	57,541.21	60,610.36	47,447.73	30,867.98	19,883.96

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank	Suryoday Small
Cash and Balance with Reserve Bank of India	2,911.01	6,028.71	3,051.64	872.85	1,332.84
Balances with Banks and Money at Call	70.84	938.26	282.78	186.13	218.94
Investments	13,125.76	12,246.50	10,062.07	6,369.93	4,418.16
Advances	44,753.26	46,751.47	35,445.41	23,334.94	14,558.59
Net Block	457.27	526.56	190.68	226.16	293.17
Other Assets	1,239.99	1,506.57	1,026.48	1,339.35	614.45
Miscellaneous Exp. Not Written Off	--	--	--	--	--
Total Assets	57,541.21	60,610.36	47,447.73	30,867.98	19,883.96

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank	Suryoday Small
Cash From Operating Activities	1,843.20	-3,315.83	593.64	-1,960.29	652.33
Cash Flow from Investing Activities	-2,480.67	-185.42	-4,132.66	-191.67	-791.57
Cash from Financing Activities	911.35	3,641.25	1,640.54	1,347.37	412.13
Net Cash Inflow / Outflow	273.88	140.00	-1,898.47	-804.59	272.90

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank	Suryoday Small
Yield on Advances	17.43	15.89	15.82	16.38	16.77
Yield on Investments	7.23	8.45	5.60	7.71	6.16
Interest Spread	11.24	9.39	9.14	9.96	10.57
NIM (%)	8.40	0.00	7.50	0.00	0.00
ROE (%)	16.02	11.11	10.12	14.21	11.08
ROA (%)	2.05	1.14	1.03	0.91	1.25
Cost to Income Ratio	65.65	71.67	67.76	71.64	73.67

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank	Suryoday Small
Revenue Growth (%)	20.77	15.83	21.12	19.31	25.21
EBIT Growth (%)	1.24	-5.19	-1.87	27.80	-1.32
Net Profit Growth (%)	175.64	872.17	15.58	145.82	264.99
EPS Growth (%)	174.26	871.17	15.07	145.76	264.97
Book Value Growth (%)	18.40	0.82	10.98	-8.48	7.99

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	ESAF SF Bank	Suryoday Small
Price / Earnings	9.52	9.26	8.77	8.23	7.43
Price / Book Value	1.47	1.04	0.87	1.20	0.67
Dividend Yield (%)	0.00	0.00	0.00	0.00	1.12
EV/EBITDA	11.92	15.88	19.63	13.96	71.03
Market Cap (₹ Cr)	9,816.32	5,896.04	3,788.22	1,026.13	1,262.26

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.