Ujjivan Small Q1 FY27 Share Price & Earnings Call Analysis

Financials of Ujjivan Small

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Ujjivan Small

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +1,1851,2871,3911,4711,5291,5771,6131,5911,5731,6191,6821,7521,878
Interest447494568611595636669704709763761751785
Expenses +5055385766507307398419231,0399691,0181,0511,029
Financing Profit233255248210203203103-36-174-113-96-5164
Financing Margin %20%20%18%14%13%13%6%-2%-11%-7%-6%-3%3%
Other Income +179177189185236197207172270249256295307
Depreciation0000000000000
Profit before tax41243243639444040031013695136160244371
Tax %25%25%25%24%25%25%25%20%12%24%24%24%24%
Net Profit +31032432830033030123310983103122186282
EPS in Rs1.581.661.681.531.681.561.200.560.430.530.630.961.45
Gross NPA %2.88%2.62%2.35%2.18%2.23%2.52%2.52%2.68%2.18%2.52%2.45%2.38%2.26%
Net NPA %0.04%0.06%0.09%0.17%0.28%0.41%0.56%0.56%0.49%0.70%0.67%0.57%0.43%

Financials of Ujjivan Small

Profit & Loss

Annual income statement trend

Mar 2012Mar 2013Mar 2017 9mMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +1482232171,4681,8322,7042,8062,8134,1655,6776,3546,931
Interest59811096077251,0701,0781,0391,4672,2682,7183,060
Expenses +931021119221,0531,4171,9442,6031,7302,3963,4064,067
Financing Profit-340-3-6154217-215-8309681,014230-196
Financing Margin %-2%18%-1%-4%3%8%-8%-30%23%18%4%-3%
Other Income +81191112063223023605897878461,108
Depreciation235416173778090981350
Profit before tax2491919946610-5501,4671,702942911
Tax %22%31%94%22%0%25%19%-25%25%25%23%24%
Net Profit +234071993508-4151,1001,281726693
EPS in Rs0.000.051.382.020.05-2.405.636.543.753.57
Dividend Payout %0%48%0%0%0%0%0%0%22%6%0%0%

Financials of Ujjivan Small

Balance Sheet

Capital structure and asset base

Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital57661,4401,4401,4401,7281,7281,7281,9555191,9351,943
Reserves185256071801,2601,2908742,0545,0954,1484,776
Deposits002063,7737,37910,78013,13618,29225,53831,46237,63045,668
Borrowing6179976,4914,0534,3664,1533,4471,9642,8412,1712,8453,736
Other Liabilities +38412982013774907797549291,1761,1301,419
Total Liabilities8981,3608,4369,47313,74218,41120,38023,61233,31740,42247,68957,541
Fixed Assets +1111137194282280276244265395444493
CWIP0034221561832130
Investments001,4471,2321,5272,3962,5164,1538,5109,76611,73012,724
Other Assets +8861,3496,8498,04211,93115,71517,58319,21024,52430,23035,50244,324
Total Assets8981,3608,4369,47313,74218,41120,38023,61233,31740,42247,68957,541

Financials of Ujjivan Small

Cash Flows

Operating, investing and financing cash movement

Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-168-409-7,0842,3144782422,6572,5541,0601,5932,0281,843
Cash from Investing Activity +13-161-101-148-757-1,356-841-2,096-865-1,793-2,481
Cash from Financing Activity +2694277,931-2,439287776-706-1,4841,186-519398911
Net Cash Flow10221687-225617261595230150210633274
Free Cash Flow-171-411-7,2452,2133301532,5992,5039351,3491,8631,661
CFO/OP-301%-326%-6,672%430%66%27%332%1,230%55%50%78%75%

Financials of Ujjivan Small

Ratios

Working capital efficiency and return ratios

Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %1%12%0%0%13%15%-0%-15%33%27%12%11%

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What Ujjivan Small's management said in earlier quarters

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