Ujjivan SF Bank Peer Comparison

NSE: UJJIVANSFB | BSE: 542904

₹64.43

₹1.44 (2.29%)

As on 04-Sep-2026 15:59IST

Market cap

₹12,554 Cr

Revenue (TTM)

₹7,338 Cr

P/E Ratio

13.9

P/B Ratio

1.8

Div. Yield

0 %

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	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank	ESAF SF Bank
Market cap (₹ Cr)	12,554	8,351	5,685	2,596	2,152
Interest Income (₹ Cr)	7,338	7,106	5,648	3,381	3,807
Net Interest Income (₹ Cr)	4,202.39	3,635.01	2,811.29	1,497.01	1,898.22
NIM (%)	8.50	7.24	7.50	6.10	7.90
RoA (%)	1.72	0.90	0.88	-3.32	-0.02
Price to Earnings	13.86	16.36	14.97	--	--
Price-To-Book	1.78	1.34	1.24	0.97	1.16

Income Statement (₹ Cr)

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank	ESAF SF Bank
Interest Earned	7,337.51	7,105.77	5,648.03	3,381.44	3,806.72
Other Income	1,114.54	1,036.96	984.72	412.03	864.16
Total Income	8,452.05	8,142.74	6,632.75	3,793.47	4,670.88
Interest Expended	3,135.12	3,470.76	2,836.74	1,884.43	1,908.50
Operating Expenses	3,419.23	3,317.04	2,562.63	1,880.76	1,826.34
Operating Profit before Prov. & Cont.	1,710.13	1,264.97	1,165.66	56.35	711.97
Provisions and Contingencies	701.47	685.25	853.64	1,261.43	948.22
Profit Before Tax	911.03	128.13	326.43	-1,506.62	-228.40
Taxes	290.28	159.23	0.00	-287.74	-7.08
Profit after Tax	905.95	510.45	379.74	-945.42	-5.10
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	905.95	510.45	379.74	-945.42	-5.10

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank	ESAF SF Bank
Shareholder's Funds	6,815.68	6,124.83	4,470.21	2,775.60	1,786.53
Minority Interest	0.00	0.00	0.00	0.00	0.00
Deposits	45,668.33	46,533.09	35,784.49	21,653.98	25,850.16
Borrowings	3,736.01	5,772.55	5,496.76	2,829.44	2,752.74
Other Liabilities & Provisions	1,321.19	2,179.89	1,696.27	1,610.05	478.55
Total Liabilities	57,541.21	60,610.36	47,447.73	28,869.07	30,867.98

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank	ESAF SF Bank
Cash and Balance with Reserve Bank of India	3,109.67	5,563.29	2,492.17	1,692.15	1,113.71
Balances with Banks and Money at Call	334.00	103.00	66.01	629.08	60.82
Investments	12,724.25	10,148.83	9,812.00	6,914.05	6,399.11
Advances	39,760.55	42,751.29	33,827.69	18,069.59	21,594.22
Net Block	457.27	526.56	190.68	332.70	226.16
Other Assets	1,119.67	1,328.67	1,051.18	1,106.38	1,184.14
Miscellaneous Exp. Not Written Off	--	--	--	--	--
Total Assets	57,541.21	60,610.36	47,447.73	28,869.07	30,867.98

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank	ESAF SF Bank
Cash From Operating Activities	1,843.20	-3,315.83	593.64	780.69	-1,960.29
Cash Flow from Investing Activities	-2,480.67	-185.42	-4,132.66	-3,308.58	-191.67
Cash from Financing Activities	911.35	3,641.25	1,640.54	1,412.49	1,347.37
Net Cash Inflow / Outflow	273.88	140.00	-1,898.47	-1,115.39	-804.59

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank	ESAF SF Bank
Yield on Advances	17.43	15.89	15.82	18.70	16.38
Yield on Investments	7.23	8.45	5.60	6.41	7.71
Interest Spread	11.24	9.39	9.14	10.93	9.96
NIM (%)	8.50	7.24	7.50	6.10	7.90
ROE (%)	13.79	8.52	8.65	-36.58	-0.29
ROA (%)	1.72	0.90	0.88	-3.32	-0.02
Cost to Income Ratio	65.65	71.67	67.76	97.05	71.64

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank	ESAF SF Bank
Revenue Growth (%)	14.72	10.00	18.46	-8.11	3.91
EBIT Growth (%)	1.24	-5.19	-1.87	-94.40	27.80
Net Profit Growth (%)	71.50	598.15	-12.26	-167.69	99.23
EPS Growth (%)	70.85	597.90	-12.60	-103.30	99.17
Book Value Growth (%)	12.04	0.82	8.16	-42.22	-8.48

	Ujjivan SF Bank	Equitas SF Bank	Jana SF Bank	Utkarsh SF Bank	ESAF SF Bank
Price / Earnings	13.86	16.36	14.97	-2.75	-421.96
Price / Book Value	1.78	1.34	1.24	0.97	1.16
Dividend Yield (%)	0.00	0.00	0.00	0.00	0.00
EV/EBITDA	16.40	26.60	34.68	-8.09	51.89
Market Cap (₹ Cr)	9,816.32	5,896.04	3,788.22	1,818.80	1,026.13

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