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Utkarsh Small Finance Bank LtdOther BankINE735W01017Standalone₹14.17+0.11 (+0.78%)Jun-26

Valuation

Market Cap₹2.52K Cr

TTM PE-2.06x

Forward PE-2.86x

PEG0.09

Book Value₹15.60

P/B0.91x

TTM EPS₹-6.87

Fwd EPS₹-4.95

TTM Revenue₹3.38K Cr

TTM PAT₹-945.43 Cr

Last Qtr PAT₹-33.92 Cr

Profitability

ROE-34.06%

ROCE-5.00%

TTM NPM-27.96%

Curr OPM-3.38%

Last OPM-19.75%

Curr NPM—

Last NPM—

Curr EPS₹-0.19

Last EPS₹-1.06

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₹14.17

vs 52W High-39.18%

vs 52W Low+39.61%

MA50—

MA200—

Returns

1D+0.85%

1W-2.41%

1M+1.21%

3M-5.78%

6M+16.91%

1Y-36.26%

2Y-69.74%

3Y-72.54%

5Y—

Diwali-4.06%

Sector peers — Other Bank

Company	Close	Mkt Cap	TTM P/E	ROE
AUBANK	1058.60	₹79.29K Cr	27.70	14.30%
UJJIVANSFB	65.02	₹12.65K Cr	13.92	13.29%
EQUITASBNK	74.09	₹8.47K Cr	16.57	8.33%
JSFB	527.30	₹5.55K Cr	14.62	8.50%
UTKARSHBNK	14.17	₹2.52K Cr	-2.06	-34.06%
ESAFSFB	39.19	₹2.02K Cr	19.50	-0.29%
SURYODAY	146.63	₹1.56K Cr	8.12	9.23%
CAPITALSFB	278.90	₹1.27K Cr	8.40	10.31%

Financial Results

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

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	883.56+0.3%	836.75	821.15	839.97	880.91	3,378.78
Other Income	118.81	115.32	80.56	97.35	137.75	430.97
Total Income	1,002.37-1.6%	952.07	901.71	937.32	1,018.65	3,809.75
Interest	0	0	0	0	0	0
Expenditure	-477.32-6.6%	-479.11	0	0	-447.92	-1,851.36
PBDT	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0
PBT	-45.41+85.8%	-232.08	0	0	-318.87	-1,506.61
Tax	11.50	44.07	115.67	116.51	79.39	355.64
Equity	1,779.52	1,779.52	1,779.52	1,101.61	1,101.61	1,779.52
OPM	-4.53	-24.38	0.00	0.00	-31.30	-39.55
Net Profit	-33.92+85.8%	-188.02	-375.02	-348.47	-239.48	-1,150.98
NPM	-3.38	-19.75	-45.67	-41.49	-23.51	-30.21
EPS	-0.19+91.2%	-1.06	-2.46	-3.16	-2.17	-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