Ujjivan Small Finance Bank Limited (UJJIVANSFB) - Net Assets
Based on the latest financial reports, Ujjivan Small Finance Bank Limited (UJJIVANSFB) has net assets worth Rs65.19 Billion INR (≈ $705.01 Million USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs522.99 Billion ≈ $5.66 Billion USD) and total liabilities (Rs457.80 Billion ≈ $4.95 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check asset resilience ratio of Ujjivan Small Finance Bank Limited to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs65.19 Billion |
| % of Total Assets | 12.46% |
| Annual Growth Rate | 17.8% |
| 5-Year Change | 89.0% |
| 10-Year Change | N/A |
| Growth Volatility | 27.81 |
Ujjivan Small Finance Bank Limited - Net Assets Trend (2017–2025)
This chart illustrates how Ujjivan Small Finance Bank Limited's net assets have evolved over time, based on quarterly financial data. Also explore Ujjivan Small Finance Bank Limited total assets for the complete picture of this company's asset base.
Annual Net Assets for Ujjivan Small Finance Bank Limited (2017–2025)
The table below shows the annual net assets of Ujjivan Small Finance Bank Limited from 2017 to 2025. For live valuation and market cap data, see Ujjivan Small Finance Bank Limited stock valuation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | Rs60.83 Billion ≈ $657.90 Million |
+8.37% |
| 2024-03-31 | Rs56.13 Billion ≈ $607.08 Million |
+33.37% |
| 2023-03-31 | Rs42.09 Billion ≈ $455.20 Million |
+50.18% |
| 2022-03-31 | Rs28.03 Billion ≈ $303.09 Million |
-12.93% |
| 2021-03-31 | Rs32.19 Billion ≈ $348.10 Million |
+0.97% |
| 2020-03-31 | Rs31.88 Billion ≈ $344.74 Million |
+75.19% |
| 2019-03-31 | Rs18.20 Billion ≈ $196.79 Million |
+10.49% |
| 2018-03-31 | Rs16.47 Billion ≈ $178.11 Million |
+0.42% |
| 2017-03-31 | Rs16.40 Billion ≈ $177.37 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Ujjivan Small Finance Bank Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 7817997.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rs20.33 Billion | 33.41% |
| Common Stock | Rs19.35 Billion | 31.81% |
| Other Comprehensive Income | Rs13.34 Billion | 21.92% |
| Other Components | Rs7.82 Billion | 12.86% |
| Total Equity | Rs60.83 Billion | 100.00% |
Ujjivan Small Finance Bank Limited Competitors by Market Cap
The table below lists competitors of Ujjivan Small Finance Bank Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Capital Clean Energy Carriers Corp.
NASDAQ:CCEC
|
$1.19 Billion |
|
Zhejiang Ausun Pharmaceutical Co Ltd
SHG:603229
|
$1.19 Billion |
|
IGB Bhd
KLSE:5606
|
$1.19 Billion |
|
Beijing Kingee Culture Development Co Ltd
SHE:002721
|
$1.19 Billion |
|
Yueyang Forest & Paper Co Ltd
SHG:600963
|
$1.19 Billion |
|
Arafura Rare EARTHS Ltd
AU:ARU
|
$1.19 Billion |
|
Uniqure NV
NASDAQ:QURE
|
$1.19 Billion |
|
Magazine Luiza S.A
SA:MGLU3
|
$1.19 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Ujjivan Small Finance Bank Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 56,134,921,000 to 60,834,100,000, a change of 4,699,179,000 (8.4%).
- Net income of 7,261,031,000 contributed positively to equity growth.
- Dividend payments of 2,900,800,000 reduced retained earnings.
- Share repurchases of 137,711,000 reduced equity.
- New share issuances of 137,800,000 increased equity.
- Other comprehensive income increased equity by 3,141,621,000.
- Other factors decreased equity by 2,802,762,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs7.26 Billion | +11.94% |
| Dividends Paid | Rs2.90 Billion | -4.77% |
| Share Repurchases | Rs137.71 Million | -0.23% |
| Share Issuances | Rs137.80 Million | +0.23% |
| Other Comprehensive Income | Rs3.14 Billion | +5.16% |
| Other Changes | Rs-2.80 Billion | -4.61% |
| Total Change | Rs- | 8.37% |
Book Value vs Market Value Analysis
This analysis compares Ujjivan Small Finance Bank Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.83x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has increased from 1.20x to 1.83x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-03-31 | Rs47.56 | Rs56.88 | x |
| 2018-03-31 | Rs11.44 | Rs56.88 | x |
| 2019-03-31 | Rs12.64 | Rs56.88 | x |
| 2020-03-31 | Rs20.67 | Rs56.88 | x |
| 2021-03-31 | Rs18.62 | Rs56.88 | x |
| 2022-03-31 | Rs16.22 | Rs56.88 | x |
| 2023-03-31 | Rs22.71 | Rs56.88 | x |
| 2024-03-31 | Rs28.63 | Rs56.88 | x |
| 2025-03-31 | Rs31.08 | Rs56.88 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Ujjivan Small Finance Bank Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.94%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 10.24%
- • Asset Turnover: 0.15x
- • Equity Multiplier: 7.84x
- Recent ROE (11.94%) is above the historical average (7.63%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2017 | 0.00% | 0.02% | 0.03x | 5.14x | Rs-1.64 Billion |
| 2018 | 0.42% | 0.43% | 0.17x | 5.75x | Rs-1.58 Billion |
| 2019 | 10.95% | 9.77% | 0.15x | 7.55x | Rs172.54 Million |
| 2020 | 10.98% | 11.56% | 0.16x | 5.78x | Rs311.46 Million |
| 2021 | 0.26% | 0.27% | 0.15x | 6.33x | Rs-3.14 Billion |
| 2022 | -14.79% | -13.06% | 0.13x | 8.42x | Rs-6.95 Billion |
| 2023 | 26.13% | 23.13% | 0.14x | 7.92x | Rs6.79 Billion |
| 2024 | 22.83% | 20.26% | 0.16x | 7.20x | Rs7.20 Billion |
| 2025 | 11.94% | 10.24% | 0.15x | 7.84x | Rs1.18 Billion |
Industry Comparison
This section compares Ujjivan Small Finance Bank Limited's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $108,245,704,600
- Average return on equity (ROE) among peers: 6.74%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Ujjivan Small Finance Bank Limited (UJJIVANSFB) | Rs65.19 Billion | 0.00% | 7.02x | $1.19 Billion |
| AU Small Finance Bank Limited (AUBANK) | $62.75 Billion | 18.66% | 7.22x | $8.21 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $216.10 Billion | 10.32% | 7.23x | $3.48 Billion |
| Bank of Baroda (BANKBARODA) | $133.71 Billion | 17.83% | 16.32x | $14.73 Billion |
| Bank of India (BANKINDIA) | $245.44 Billion | 28.81% | 17.60x | $6.89 Billion |
| Canara Bank (CANBK) | $254.09 Billion | 11.69% | 15.50x | $13.21 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $1.15 Billion | 11.96% | 16.87x | $136.92 Million |
| Central Bank of India (CENTRALBK) | $110.28 Billion | 11.92% | 18.04x | $3.57 Billion |
| CSB Bank Limited (CSBBANK) | $8.88 Billion | -5.98% | 16.74x | $699.76 Million |
| City Union Bank Limited (CUB) | $48.41 Billion | 14.11% | 8.35x | $2.17 Billion |
| DCB Bank Limited (DCBBANK) | $1.64 Billion | -51.93% | 21.79x | $649.92 Million |
About Ujjivan Small Finance Bank Limited
Ujjivan Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides current, savings, salary, TACS savings and current, and NRI accounts; and fixed, recurring, TASC fixed, NRI and NRO fixed, and tax saver fixed deposits. The company's loan products include home and… Read more