Arthneeti
US

Ujjivan Small Finance Bank Ltd

Q3 FY26Banks

Ujjivan Small Finance Bank Q3 FY26 earnings call: Revenue & Margins

Q3 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹72
Market cap₹13.5K Cr
P/E15.0
Updated23 Aug 2026
Read4 min read

The short version

Ujjivan Small Finance Bank expects acceleration in asset growth going forward, driven by both microfinance and secured loan segments. Ujjivan Small Finance Bank (Ujjivan SFB) expects profitable growth, with ROA guidance maintained at 1.2%-1.4% for FY '26 and a longer-term target toward 1.8%-2%.

From Ujjivan Small Finance Bank Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • Ujjivan Small Finance Bank expects acceleration in asset growth going forward, driven by both microfinance and secured loan segments.
  • The bank aims for improvement in Return on Assets (ROA) from the current 0.84% (9-month reported) to their guided range of 1.2%-1.4% for FY '26, with a medium to long-term vision towards 1.8%-2%.
  • Disbursement levels are expected to reach all-time highs in Q4 FY '26, supporting growth momentum.
  • The share of more secure, high-yield products in the loan book will increase, aiding margin stability despite expected yield moderation due to product mix changes.
  • Credit costs are projected to decline from Q4 onwards, benefiting profitability and growth.

2 more points from Ujjivan Small Finance Bank Ltd's call on revenue

Pro opens every point from 15K+ earnings calls

Profitability & Margins

See what Ujjivan Small Finance Bank Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Based on the content from the document "1274716.pdf," there is no explicit mention of current or future capex, capital investment, or strategic investment plans. The discussion mainly focuses on operational metrics, growth strategies, asset quality, loan mix, deposit growth, cost efficiency, and business outlook without specifying any capex or strategic investments. Key points related to investment aspects include: - Expansion of the branch network with 11 branches added in the recent quarter, completing planned addition of 24 branches for FY '26. - Investment in digital onboarding and FinTech partnerships is indicated as a future area to be detailed in the forthcoming 3-year strategy. - Focus on cost efficiency and operational excellence alongside growth. No specific figures, plans, or timelines for capex or strategic investments are mentioned in the provided sections.

Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked
1Canara Bank
Rev 2Mar 3
2AU Small Finance
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
Sign up free to see 3 moreTakes 30 seconds · no cardSign up

Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Ujjivan Small Finance Bank Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The provided transcript from Ujjivan Small Finance Bank's Q3 FY '26 earnings call does not mention any details related to current or expected orderbook or pending orders. The discussion mainly revolves around financial performance, asset quality, lending mix, cost efficiency, margin trends, microfinance portfolio, and outlook on key metrics like ROA, NIM, OPEX, and deposits. There is no reference to orderbook status, pending orders, or order pipeline in these excerpts. If you have access to other parts of the document or specific sections, please share, and I can help summarize accordingly.

Continue your research

What Ujjivan Small's management said in earlier quarters

Others in Banks this season

  • Yes Bank (Q3 FY26)

    Retail disbursements showing a 15% year-on-year growth, with improved risk metrics. Key concall takeaways from Yes Bank Ltd's Q3 FY26 earnings call — and how…

  • Fino Payments (Q3 FY26)

    10,000 crore by FY 2030. Key concall takeaways from Fino Payments Bank Ltd's Q3 FY26 earnings call — and how it ranks against sector peers.

  • SBI (Q3 FY26)

    7.86 lakh crores, with Rs. Key concall takeaways from SBI's Q3 FY26 earnings call — and how it ranks against sector peers.

  • Central Bank of India (Q3 FY26)

    Credit growth is strong with 19.48% YoY increase in gross advances, driven by broad-based demand across sectors. Key concall takeaways from Central Bank's Q3…

Compare:vs HDFC Bankvs ICICI Bankvs SBI

🔎 Who's planning the most growth?

Companies ranked by management's own guidance — revenue, margins, capex and order book, from every earnings call in India.

See rankings →

Arthneeti Pro · Annual

Ujjivan Small Finance Bank Ltd and 15K+ more earnings calls,
for less than your morning chai

a day

Every earnings call, ranking and concall Q&A across all four results seasons.

Secure Razorpay payment · instant access

Frequently Asked Questions

What were Ujjivan Small Finance Bank Ltd Q3 FY26 results?

Ujjivan Small Finance Bank expects acceleration in asset growth going forward, driven by both microfinance and secured loan segments. Ujjivan Small Finance Bank (Ujjivan SFB) expects profitable growth, with ROA guidance maintained at 1.2%-1.4% for FY '26 and a longer-term target toward 1.8%-2%.

What is Ujjivan Small Finance Bank Ltd share price analysis?

Ujjivan Small Finance Bank Ltd currently shows a neutral. The stock trades at a P/E of 14.9 with a market cap of ₹13,541 Cr. Investors should review the full earnings analysis for detailed insights.

Is Ujjivan Small Finance Bank Ltd planning capital expenditure?

Based on the content from the document "1274716.pdf," there is no explicit mention of current or future capex, capital investment, or strategic investment plans.

Keep Ujjivan Small Finance Bank Ltd on your radar — track it to get its next earnings analysis in your feed.

This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.