| Key Financial Ratios of Ujjivan Small Finance Bank (in Rs. Cr.) |
Mar 25 |
Mar 24 |
Mar 23 |
Mar 22 |
Mar 21 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
3.75 |
6.65 |
5.82 |
-2.40 |
0.05 |
|
| Diluted EPS (Rs.) |
3.71 |
6.54 |
5.81 |
-2.40 |
0.05 |
|
| Cash EPS (Rs.) |
4.45 |
7.14 |
6.09 |
-1.93 |
0.49 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
31.44 |
29.06 |
20.51 |
15.06 |
17.47 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
31.44 |
29.06 |
20.51 |
15.06 |
17.47 |
|
| Dividend/Share (Rs.) |
1.50 |
1.50 |
1.25 |
0.00 |
0.00 |
|
| Operating Revenue / Share (Rs.) |
32.84 |
29.39 |
21.31 |
16.27 |
16.24 |
|
| Net Profit/Share (Rs.) |
3.75 |
6.63 |
5.63 |
-2.40 |
0.05 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
2,607,036.02 |
2,515,799.92 |
2,330,718.91 |
1,664,870.73 |
1,693,359.24 |
|
| Net Profit/ Employee (Rs.) |
297,900.67 |
567,885.62 |
615,512.98 |
-245,392.36 |
5,006.88 |
|
| Business/ Employee (Rs.) |
28,317,259.46 |
25,855,303.95 |
26,204,445.05 |
20,476,702.16 |
16,673,537.57 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
84,387,644.09 |
75,494,070.48 |
66,216,131.96 |
48,918,245.22 |
48,801,140.87 |
|
| Net Profit/ Branches (Rs.) |
9,642,803.45 |
17,041,099.73 |
17,486,831.48 |
-7,210,267.83 |
144,293.91 |
|
| Business/ Branches (Rs.) |
916,606,749.00 |
775,865,410.90 |
744,472,866.45 |
601,658,926.96 |
480,516,853.91 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
3.62 |
4.88 |
4.58 |
2.58 |
4.12 |
|
| CASA (%) |
25.56 |
26.69 |
26.41 |
27.29 |
20.55 |
|
| Net Profit Margin (%) |
11.42 |
22.57 |
26.40 |
-14.73 |
0.29 |
|
| Operating Profit Margin (%) |
16.19 |
30.53 |
33.46 |
-19.86 |
0.40 |
|
| Return on Assets (%) |
1.52 |
3.17 |
3.30 |
-1.75 |
0.04 |
|
| Return on Equity / Networth (%) |
11.93 |
22.82 |
27.43 |
-15.92 |
0.27 |
|
| Net Interest Margin (X) |
7.62 |
8.43 |
8.09 |
7.51 |
8.48 |
|
| Cost to Income (%) |
62.31 |
54.31 |
54.82 |
71.70 |
60.31 |
|
| Interest Income/Total Assets (%) |
13.32 |
14.04 |
12.50 |
11.91 |
13.76 |
|
| Non-Interest Income/Total Assets (%) |
1.77 |
1.94 |
1.76 |
1.32 |
1.52 |
|
| Operating Profit/Total Assets (%) |
-0.25 |
1.22 |
1.53 |
-3.08 |
-1.48 |
|
| Operating Expenses/Total Assets (%) |
5.85 |
5.63 |
5.40 |
6.33 |
6.03 |
|
| Interest Expenses/Total Assets (%) |
5.69 |
5.61 |
4.40 |
4.40 |
5.28 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
43,998.89 |
39,672.82 |
31,021.24 |
21,131.44 |
20,142.91 |
|
| EV Per Net Sales (X) |
6.92 |
6.99 |
7.45 |
7.51 |
7.18 |
|
| Price To Book Value (X) |
1.09 |
1.52 |
1.23 |
0.98 |
1.75 |
|
| Price To Sales (X) |
1.05 |
1.51 |
1.19 |
0.91 |
1.88 |
|
| Retention Ratios (%) |
60.05 |
94.66 |
86.67 |
100.00 |
100.00 |
|
| Earnings Yield (X) |
0.11 |
0.15 |
0.22 |
-0.16 |
0.00 |
|
Source : Dion Global Solutions Limited
