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Ujjivan Small Finance Bank Ltd

NSE:UJJIVANSFBFinancial ServicesNSE:NIFTY_MICROCAP250NSE:NIFTY_TOTAL_MKT

₹63.20−0.08%At closeAt close · Mon 19 Oct · ≈ AED 2.44 · Market cap $1.3B · Next earnings Mon 9 Nov

Ratio	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026	Current · undated	YoY
Gross margin	65.3%	67.3%	69.1%	64.1%	61.7%	52.0%	—	—
Operating margin	0.3%	−17.3%	30.9%	26.9%	13.3%	11.3%	11.3%	+0.0 pts
Net margin	0.3%	−13.1%	23.1%	20.3%	10.2%	8.6%	8.6%	+0.0 pts
EBITDA margin	2.8%	−14.8%	32.8%	28.5%	15.2%	13.1%	—	—
Return on equity	0.3%	−14.8%	26.1%	22.8%	11.9%	10.2%	10.2%	+0.0 pts
Return on assets	0.0%	−1.8%	3.3%	3.2%	1.5%	1.2%	1.2%	+0.0 pts
Return on capital employed	0.1%	−2.4%	4.4%	5.4%	9.6%	7.7%	—	—
Debt / equity	2.4×	2.8×	2.0×	1.5×	0.5×	0.5×	0.5×	+0.0%
Debt / assets	37.4%	33.2%	25.6%	21.0%	6.0%	6.5%	—	—
Interest coverage	0.0×	−0.5×	1.0×	0.8×	0.3×	0.3×	—	—
Current ratio	3.4×	3.4×	14.6×	0.0×	0.1×	0.1×	0.1×	+0.0%
Quick ratio	3.4×	16.1×	30.8×	−0.2×	0.1×	0.1×	—	—
Cash ratio	16.5×	11.4×	1.0×	0.3×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.2×	0.1×	0.1×	0.2×	0.1×	0.1×	—	—
Inventory turnover	—	−0.4×	−0.5×	1.1×	—	—	—	—
Receivables turnover	18.8×	14.5×	14.7×	15.6×	15.2×	—	—	—
Dividend payout	0.0%	0.0%	14.3%	5.3%	40.0%	0.0%	—	—

Margins, returns, leverage and liquidityUpdated Tue 31 Mar ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.