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Complete financial analysis of Ujjivan Small Finance Bank Limited (UJJIVANSFB.BO) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Ujjivan Small Finance Bank Limited, a leading company in the Banks – Regional industry within the Financial Services sector.
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Ujjivan Small Finance Bank Limited (UJJIVANSFB.BO)
About Ujjivan Small Finance Bank Limited
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 provides current, savings, salary, and NRI accounts; and fixed, recurring, TASC fixed, and tax saver fixed deposits. The company's loan products include group loans, such as business, family, agriculture and allied, education, GL top-up, emergency, and loyalty loans; individual loans comprising individual business, livestock, agriculture, and bazar loans, as well as home improvement loans, open market livestock and home improvement loans; housing loans; vehicle loans; and gold loans. Its loan products also comprise micro and small enterprise loans, which include loan against property, secured enterprise and business loans, overdraft against property, and business edge term loans; business edge overdrafts; loan against rent receivables; emergency credit line guarantee scheme; personal loans; and financial institutions group loans. The company also offers mobile, phone, net, SMS, and missed call banking services; debit and credit cards; and insurance products, such as credit life, endowment, term, PAR, POS, ULIP, motor, property, home content, health, and personal accident insurance. In addition, it is involved in retail forex and trade. The company was incorporated in 2016 and is headquartered in Bengaluru, India. Ujjivan Small Finance Bank Limited operates as a subsidiary of Ujjivan Financial Services Limited.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 41.98B | 32.88B | 21.35B | 20.32B | 19.56B | 13.14B | 9.73B | 2.28B |
| Cost of Revenue | -22.66B | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 64.64B | 32.88B | 21.35B | 20.32B | 19.56B | 13.14B | 9.73B | 2.28B |
| Gross Profit Ratio | 153.99% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 110.77M | 97.22M | 66.82M | 38.65M | 326.33M | 283.89M | 159.01M | 0.00 |
| Selling & Marketing | 585.10M | 384.50M | 123.73M | 50.94M | 203.08M | 343.90M | 106.11M | 0.00 |
| SG&A | 695.88M | 481.72M | 190.55M | 89.60M | 529.41M | 627.79M | 265.12M | 0.00 |
| Other Expenses | 41.28B | -7.53B | -5.34B | -3.30B | -4.53B | -3.53B | -2.01B | -513.66M |
| Operating Expenses | 41.98B | 18.02B | 15.19B | 12.30B | 13.85B | 10.21B | 5.77B | 513.66M |
| Cost & Expenses | 41.98B | 32.87B | 36.54B | 31.07B | 25.60B | 17.69B | 15.66B | 2.27B |
| Interest Income | 56.77B | 41.65B | 28.13B | 28.06B | 27.04B | 18.32B | 14.68B | 0.00 |
| Interest Expense | 22.68B | 14.67B | 10.39B | 10.78B | 10.70B | 7.25B | 6.07B | 1.09B |
| Depreciation & Amortization | 982.90M | 902.79M | 804.43M | 768.01M | 726.29M | 605.98M | 413.73M | 51.04M |
| EBITDA | 0.00 | 15.58B | -4.47B | 0.00 | 5.39B | 3.29B | 0.00 | 59.95M |
| EBITDA Ratio | 0.00% | 52.01% | -15.08% | 18.91% | 44.85% | 53.16% | 56.19% | 50.52% |
| Operating Income | 17.04B | 16.20B | -4.03B | 3.07B | 8.05B | 6.38B | 5.05B | 1.10B |
| Operating Income Ratio | 40.59% | 49.27% | -18.85% | 15.13% | 41.13% | 48.55% | 51.94% | 48.28% |
| Total Other Income/Expenses | -14.72M | -6.70M | -1.03B | 101.98M | 0.00 | -11.44M | -4.97B | -1.09B |
| Income Before Tax | 17.02B | 14.67B | -5.50B | 101.98M | 4.66B | 2.68B | 88.46M | 8.91M |
| Income Before Tax Ratio | 40.55% | 44.63% | -25.77% | 0.50% | 23.84% | 20.44% | 0.91% | 0.39% |
| Income Tax Expense | 4.21B | 3.67B | -1.36B | 19.01M | 1.16B | 692.06M | 19.84M | 8.56M |
| Net Income | 12.81B | 11.00B | -4.15B | 82.97M | 3.50B | 1.99B | 68.63M | 350.00K |
| Net Income Ratio | 30.53% | 33.46% | -19.41% | 0.41% | 17.89% | 15.17% | 0.71% | 0.02% |
| EPS | 6.65 | 5.82 | -2.40 | 0.05 | 2.19 | 1.38 | 0.05 | 0.00 |
| EPS Diluted | 6.54 | 5.81 | -2.40 | 0.05 | 2.18 | 1.38 | 0.05 | 0.00 |
| Weighted Avg Shares Out | 1.93B | 1.85B | 1.73B | 1.73B | 1.54B | 1.44B | 1.44B | 344.87M |
| Weighted Avg Shares Out (Dil) | 1.96B | 1.85B | 1.73B | 1.73B | 1.54B | 1.44B | 1.44B | 344.87M |
Source: https://incomestatements.info
Category: Stock Reports