Ujjivan Small Finance Bank - Public Comps and Valuation Multiples

Ujjivan Small Finance Bank Overview

About Ujjivan Small Finance Bank

Ujjivan Small Finance Bank Ltd is a mass-market-focused SFB in India, catering to unserved and underserved segments and committed to building financial inclusion in the country. Its segments are Treasury; Retail Banking; and Corporate/Wholesale Banking. The company's asset products comprise loans to its micro banking customers that include group loans and individual loans, agriculture and allied loans, MSE loans, affordable housing loans, financial institutions group loans, personal loans, and vehicle loans. It also offers savings accounts, current accounts, and a variety of deposit accounts. In addition, the company also provides non-credit offerings comprising ATM-cum-debit cards, Aadhaar enrolment services, distribution of third-party insurance products, and point-of-sales terminals.

Founded

2016

HQ

Employees

24.4K+

Website

ujjivansfb.in

Sectors

Commercial Banking

Financials

LTM Revenue $525M

Last FY EBITDA n/a

EV

$1.3B

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Ujjivan Small Finance Bank Financials

As of September 2025, Ujjivan Small Finance Bank reported last 12-month revenue of $525M.

In the same period, Ujjivan Small Finance Bank achieved $78.8M in LTM net income.

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Ujjivan Small Finance Bank P&L

In the most recent fiscal year, Ujjivan Small Finance Bank reported revenue of $493M.

Ujjivan Small Finance Bank expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$525M	XXX	$493M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBIT	$189M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	36%	XXX	n/a	XXX	XXX	XXX
Net Profit	$78.8M	XXX	$81.8M	XXX	XXX	XXX
Net Margin	15%	XXX	17%	XXX	XXX	XXX
Net Debt	XXX	XXX	n/a	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Ujjivan Small Finance Bank including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $525M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$525M	Analyst estimates available to subscribers	$493M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$189M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	36.0% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$78.8M	Analyst estimates available to subscribers	$81.8M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	15.0% net profit margin	Analyst estimates available to subscribers	16.6% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	n/a	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Ujjivan Small Finance Bank

This financial data table provides comprehensive performance metrics for Ujjivan Small Finance Bank, a company based in India. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Ujjivan Small Finance Bank generated $525M in revenue over the last twelve months.
Net income over the last twelve months reached $78.8M.

Fiscal Year Performance

In the most recent fiscal year, Ujjivan Small Finance Bank reported $493M in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 16.6% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Ujjivan Small Finance Bank. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Ujjivan Small Finance Bank Stock Performance

Ujjivan Small Finance Bank has current market cap of INR 94.7B (or $1.1B), and EV of INR 113B (or $1.3B).

Market Cap Evolution

Ujjivan Small Finance Bank Stock Data

As of October 7, 2025, Ujjivan Small Finance Bank's stock price is INR 49 (or $1).

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$1.3B	$1.1B	XXX	XXX	XXX	XXX	$0.04

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Ujjivan Small Finance Bank Valuation Multiples

Ujjivan Small Finance Bank's trades at 2.6x EV/Revenue multiple, and n/a EV/EBITDA.

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Ujjivan Small Finance Bank Financial Valuation Multiples

As of October 7, 2025, Ujjivan Small Finance Bank has market cap of $1.1B and EV of $1.3B.

Equity research analysts estimate Ujjivan Small Finance Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Ujjivan Small Finance Bank has a P/E ratio of 13.5x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$1.1B	XXX	$1.1B	XXX	XXX	XXX
EV (current)	$1.3B	XXX	$1.3B	XXX	XXX	XXX
EV/Revenue	2.4x	XXX	2.6x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EV/EBIT	6.8x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	13.5x	XXX	10.9x	XXX	XXX	XXX
EV/FCF	n/a	XXX	6.5x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Ujjivan Small Finance Bank Margins & Growth Rates

Ujjivan Small Finance Bank's last 12 month revenue growth is 14%

Ujjivan Small Finance Bank's revenue per employee in the last FY averaged $20K, while opex per employee averaged $13K for the same period.

Ujjivan Small Finance Bank's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Ujjivan Small Finance Bank's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Ujjivan Small Finance Bank Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	14%	XXX	13%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$20K	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$13K	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	1%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	64%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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