Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
Ask the chart: “Has this stock recovered from similar drawdowns before?”
AI equity note (bull/bear, numbers, sources) — coming soon
Management guidance consistency — coming soon
Latest filings
NSE announcements · newest firstSchedule of meet
Schedule of meet
Press release dated September 18, 2026, titled "Ujjivan Small Finance Bank launches Nothing Small About Us campaign with R. Madhavan as Brand Ambassador".
Schedule of meet
Key MetricsFull financials →
P/E (TTM)
13.9×
EPS ₹4.66
P / Book
1.84×
BVPS ₹35
ROE
10.7%
FY26, avg equity
ROA
1.32%
avg assets
Interest income YoY
+25.1%
Q1 FY27
Net profit YoY
+206.7%
Q1 FY27
Market cap
₹12,571 Cr
Div. yield
–
no dividend in 12 months
From NSE filings (standalone) and the last close.
Shareholding Pattern Jun 2026
No promoter group: fully public shareholding
Peer Comparison
| Bank | P/E | P/B | ROE | GNPA |
|---|---|---|---|---|
| AUBANK₹76,174 Cr | 26.7× | 3.81× | 14.2% | 2.10% |
| UJJIVANSFB₹12,571 Cr | 13.9× | 1.84× | 10.7% | 2.16% |
| EQUITASBNK₹7,648 Cr | 15.0× | 1.25× | 1.7% | 2.42% |
| JSFB₹5,637 Cr | 14.8× | 1.26× | 7.6% | 2.39% |
| UTKARSHBNK₹2,456 Cr | – | 0.88× | -40.0% | 6.09% |
| ESAFSFB₹2,210 Cr | – | 1.24× | -8.9% | 5.40% |
Other Bank: the companies closest in market value, of the 9 in that basic industry whose filings we hold. Computed from each company's NSE filings (up to Q1 FY27) and the last close; hover a column for its definition.
Forensic Flags
No promoter group
The company is fully publicly held, so promoter holding and pledge checks do not apply.
Provisions took 47% of pre-provision operating profit
FY26.
6 checks within their thresholds
Exceptional items above 5% of pre-tax profit in 0 of the last 5 years
FY21–FY26.
Effective tax rate averaged 24%
Tax over pre-tax profit, last 3 years. The base corporate rate is about 25%.
Share count changed -0.6% in three years, net of bonuses and splits
From 2022-09-30 to 2026-03-31. Shares issued for mergers, placements, conversions and stock options all count.
No auditor change or resignation filings in three years
From NSE announcements on record.
Results were filed late in 0 of the last 8 quarters
Slowest filing came 38 days after the period end.
Gross NPA is 2.16%, -0.36 points over a year; net NPA 0.34%
Standalone results, 2026-06-30 against 2025-06-30.
Computed from NSE filings (standalone). Colours follow fixed thresholds, shown on hover. These are facts about the filings, not advice.
Formula Scores
Piotroski F-score: not computed · FY to 2026-03-31the tests use working capital and gross margin, which a bank's or insurer's statements do not have
Altman Z-score: not computed · FY to 2026-03-31not defined for a bank's or insurer's balance sheet
Graham number: 52.64 ₹ per share · FY to 2026-03-31√(22.5 × earnings per share × book value per share): the price at which P/E × P/B = 22.5 (a P/E of 15 at a P/B of 1.5)
- earnings per share: 3.51
- book value per share: 35.08 — owners' equity over shares (paid-up capital / face value)
Inputs: earnings per share 3.51 (2026-03-31) · owners' equity ₹6,816 Cr (2026-03-31) · paid-up capital ₹1,943 Cr (2026-03-31) · face value 10 (2026-03-31)
a number the book uses as a ceiling for a defensive investor's purchase price; it is arithmetic on two reported figures, not a valuation
Source: Benjamin Graham, The Intelligent Investor (1949; the 22.5 in the 1973 edition's criteria for the defensive investor)
Sloan accrual ratio: not computed · FY to 2026-03-31operating cash flow is not comparable for a bank or insurer
Each score is its published formula applied to the company's own filings (standalone); open one for the tests, the inputs and the paper. Arithmetic on the filings, not a view on the stock.