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Utkarsh Small Finance Bank LtdOther BankINE735W01017Standalone₹11.72-0.43 (-3.54%)

Valuation

Market Cap₹2.09K Cr

TTM PE-2.86x

Forward PE-5.36x

PEG0.07

Book Value₹15.60

P/B0.75x

TTM EPS₹-4.10

Fwd EPS₹-2.19

TTM Revenue₹3.45K Cr

TTM PAT₹-666.81 Cr

Last Qtr PAT₹-69.85 Cr

Profitability

ROE-24.02%

ROCE-6.00%

TTM NPM-19.32%

Curr OPM-6.97%

Last OPM-3.38%

Curr NPM—

Last NPM—

Curr EPS₹-0.39

Last EPS₹-0.19

Balance sheet

Equity₹1,779.52 Cr

Reserve₹996.08 Cr

Total Debt₹2,829.44 Cr

D/E1.02x

Interest %0.00%

Curr Interest₹0.00 Cr

Price / range

Close₹11.72

vs 52W High-42.24%

vs 52W Low+15.47%

MA50—

MA200—

Returns

1D-3.62%

1W-0.17%

1M-12.93%

3M-19.28%

6M-20.38%

1Y-41.16%

2Y-71.53%

3Y-76.67%

5Y—

Diwali-20.65%

Sector peers — Other Bank

Company	Close	Mkt Cap	TTM P/E	ROE
AUBANK	904.35	₹67.57K Cr	21.46	14.46%
UJJIVANSFB	56.70	₹10.99K Cr	9.59	15.26%
EQUITASBNK	55.45	₹6.34K Cr	8.99	10.75%
JSFB	405.25	₹4.27K Cr	8.99	9.66%
ESAFSFB	41.35	₹2.13K Cr	8.09	13.39%
UTKARSHBNK	11.72	₹2.09K Cr	-2.86	-24.02%
SURYODAY	147.30	₹1.57K Cr	6.58	10.73%
CAPITALSFB	263.10	₹1.20K Cr	7.40	10.60%

Financial Results

Quarterly and yearly P&L · YoY % on Revenue, Total Income, Expenditure, PBT, Net Profit and EPS

Metric	Sep-26	Jun-26	Mar-26	Dec-25	Sep-25	FY25-26
Revenue	909.26+8.2%	883.56	836.75	821.15	839.97	3,378.78
Other Income	93.02	118.81	115.32	80.56	97.35	430.97
Total Income	1,002.28+6.9%	1,002.37	952.07	901.71	937.32	3,809.75
Interest	0	0	0	0	0	0
Expenditure	-443.09	-477.32	-479.11	0	0	-1,851.36
PBDT	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0
PBT	-80.64	-45.41	-232.08	0	0	-1,506.61
Tax	10.79	11.50	44.07	115.67	116.51	355.64
Equity	1,779.52	1,779.52	1,779.52	1,779.52	1,101.61	1,779.52
OPM	-8.05	-4.53	-24.38	0.00	0.00	-39.55
Net Profit	-69.85+80.0%	-33.92	-188.02	-375.02	-348.47	-1,150.98
NPM	-6.97	-3.38	-19.75	-45.67	-41.49	-30.21
EPS	-0.39+87.7%	-0.19	-1.06	-2.46	-3.16	-8.37

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 23-24
Revenue	3,378.78-10.3%	3,764.92+18.5%	3,178.41
Other Income	430.97	599.83	400.40
Total Income	3,809.75-12.7%	4,364.75+22.0%	3,578.81
Expenditure	-1,851.36-14.6%	-1,615.76-25.4%	-1,288.94
Interest	0	0	0
PBDT	0	0	0
Depreciation	0	0	0
PBT	-1,506.61-5548.9%	27.65-95.8%	659.39
Tax	355.64	-3.95	-161.76
Equity	1,779.52	1,101.61	1,099.46
OPM (%)	-39.55	0.63	18.00
Net Profit	-1,150.98-4956.5%	23.70-95.2%	497.63
NPM (%)	-30.21	0.54	14.00
EPS (Rs)	-8.37-3904.5%	0.22-95.4%	4.79
CEPS	-8.37	0.22	4.75

Metric	FY25-26
Revenue	3,378.78
Other Income	430.97
Total Income	3,809.75
Interest	0
Expenditure	-1,851.36
PBDT	0
Depreciation	0
PBT	-1,506.61
Tax	355.64
Equity	1,779.52
OPM	-39.55
Net Profit	-1,150.98
NPM	-30.21
EPS	-8.37

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25
Revenue	3,378.78-10.3%	3,764.92
Other Income	430.97	599.83
Total Income	3,809.75-12.7%	4,364.75
Expenditure	-1,851.36-14.6%	-1,615.76
Interest	0	0
PBDT	0	0
Depreciation	0	0
PBT	-1,506.61-5548.9%	27.65
Tax	355.64	-3.95
Equity	1,779.52	1,101.61
OPM (%)	-39.55	0.63
Net Profit	-1,150.98-4956.5%	23.70
NPM (%)	-30.21	0.54
EPS (Rs)	-8.37-3904.5%	0.22
CEPS	-8.37	0.22

Corporate Actions

Dividends, bonus issues, and stock splits

Dividend

Year	Type	Amount	Ex-Date
2024	Final Dividend	0.5	12 Jul 2024

Bonus

No bonus history.

Split

No split history.

Financial Results

Standalone

Yearly results

Yearly

Consolidated

Yearly results

Yearly

Corporate Actions

Dividend

Bonus

Split