UTKARSH SMALL FINANCE BANK ORD (BSE) (UTKARSHBNK) - Net Assets
Based on the latest financial reports, UTKARSH SMALL FINANCE BANK ORD (BSE) (UTKARSHBNK) has net assets worth Rs23.94 Billion INR (≈ $258.89 Million USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs273.84 Billion ≈ $2.96 Billion USD) and total liabilities (Rs249.90 Billion ≈ $2.70 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. Read UTKARSH SMALL FINANCE BANK ORD (BSE) balance sheet liabilities for a breakdown of total debt and financial obligations.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs23.94 Billion |
| % of Total Assets | 8.74% |
| Annual Growth Rate | 32.94% |
| 5-Year Change | 117.38% |
| 10-Year Change | N/A |
| Growth Volatility | 24.11 |
UTKARSH SMALL FINANCE BANK ORD (BSE) - Net Assets Trend (2017–2025)
This chart illustrates how UTKARSH SMALL FINANCE BANK ORD (BSE)'s net assets have evolved over time, based on quarterly financial data. Also explore UTKARSHBNK total asset value for the complete picture of this company's asset base.
Annual Net Assets for UTKARSH SMALL FINANCE BANK ORD (BSE) (2017–2025)
The table below shows the annual net assets of UTKARSH SMALL FINANCE BANK ORD (BSE) from 2017 to 2025. For live valuation and market cap data, see UTKARSHBNK market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | Rs29.75 Billion ≈ $321.68 Million |
+0.04% |
| 2024-03-31 | Rs29.73 Billion ≈ $321.54 Million |
+48.64% |
| 2023-03-31 | Rs20.00 Billion ≈ $216.33 Million |
+27.22% |
| 2022-03-31 | Rs15.72 Billion ≈ $170.04 Million |
+14.90% |
| 2021-03-31 | Rs13.68 Billion ≈ $147.98 Million |
+34.22% |
| 2020-03-31 | Rs10.19 Billion ≈ $110.25 Million |
+31.93% |
| 2019-03-31 | Rs7.73 Billion ≈ $83.57 Million |
+87.62% |
| 2018-03-31 | Rs4.12 Billion ≈ $44.54 Million |
+35.09% |
| 2017-03-31 | Rs3.05 Billion ≈ $32.97 Million |
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Equity Component Analysis
This analysis shows how different components contribute to UTKARSH SMALL FINANCE BANK ORD (BSE)'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 18085.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rs8.79 Billion | 29.56% |
| Common Stock | Rs11.02 Billion | 37.04% |
| Other Comprehensive Income | Rs4.33 Billion | 14.55% |
| Other Components | Rs5.61 Billion | 18.86% |
| Total Equity | Rs29.75 Billion | 100.00% |
UTKARSH SMALL FINANCE BANK ORD (BSE) Competitors by Market Cap
The table below lists competitors of UTKARSH SMALL FINANCE BANK ORD (BSE) ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Iochpe-Maxion S.A
SA:MYPK3
|
$277.71 Million |
|
CARYSIL LIMITED
NSE:CARYSIL
|
$277.73 Million |
|
Claritev Corporation
NYSE:CTEV
|
$277.75 Million |
|
Tyro Payments Ltd
AU:TYR
|
$278.04 Million |
|
Nexpoint Real Estate Finance Inc
NYSE:NREF
|
$277.69 Million |
|
Northern Ocean Ltd
OL:NOL
|
$277.59 Million |
|
Trailblazer Acquisition Corp. Class A Ordinary Shares
NASDAQ:BLZR
|
$277.48 Million |
|
Antibiotice Ia
RO:ATB
|
$277.47 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in UTKARSH SMALL FINANCE BANK ORD (BSE)'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 29,731,883,000 to 29,745,042,000, a change of 13,159,000 (0.0%).
- Net income of 237,005,000 contributed positively to equity growth.
- Dividend payments of 550,231,000 reduced retained earnings.
- Other comprehensive income increased equity by 499,652,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs237.00 Million | +0.8% |
| Dividends Paid | Rs550.23 Million | -1.85% |
| Other Comprehensive Income | Rs499.65 Million | +1.68% |
| Other Changes | Rs-173.27 Million | -0.58% |
| Total Change | Rs- | 0.04% |
Book Value vs Market Value Analysis
This analysis compares UTKARSH SMALL FINANCE BANK ORD (BSE)'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: 0.52x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.45x to 0.52x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-03-31 | Rs9.96 | Rs14.43 | x |
| 2018-03-31 | Rs11.32 | Rs14.43 | x |
| 2019-03-31 | Rs11.30 | Rs14.43 | x |
| 2020-03-31 | Rs13.61 | Rs14.43 | x |
| 2021-03-31 | Rs16.13 | Rs14.43 | x |
| 2022-03-31 | Rs14.35 | Rs14.43 | x |
| 2023-03-31 | Rs18.25 | Rs14.43 | x |
| 2024-03-31 | Rs28.36 | Rs14.43 | x |
| 2025-03-31 | Rs27.61 | Rs14.43 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently UTKARSH SMALL FINANCE BANK ORD (BSE) 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): 0.80%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 0.54%
- • Asset Turnover: 0.16x
- • Equity Multiplier: 9.46x
- Recent ROE (0.80%) is below the historical average (8.28%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2017 | 9.51% | 12.17% | 0.09x | 8.77x | Rs-14.80 Million |
| 2018 | -15.30% | -36.52% | 0.04x | 10.98x | Rs-1.04 Billion |
| 2019 | 12.15% | 22.35% | 0.07x | 8.07x | Rs166.12 Million |
| 2020 | 18.32% | 25.69% | 0.08x | 9.22x | Rs847.93 Million |
| 2021 | 8.17% | 6.55% | 0.14x | 8.87x | Rs-250.20 Million |
| 2022 | 3.91% | 3.02% | 0.14x | 9.58x | Rs-957.68 Million |
| 2023 | 20.22% | 14.42% | 0.15x | 9.56x | Rs2.04 Billion |
| 2024 | 16.74% | 13.90% | 0.15x | 8.04x | Rs2.00 Billion |
| 2025 | 0.80% | 0.54% | 0.16x | 9.46x | Rs-2.74 Billion |
Industry Comparison
This section compares UTKARSH SMALL FINANCE BANK ORD (BSE)'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 |
|---|---|---|---|---|
| UTKARSH SMALL FINANCE BANK ORD (BSE) (UTKARSHBNK) | Rs23.94 Billion | 9.51% | 10.44x | $277.70 Million |
| 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 UTKARSH SMALL FINANCE BANK ORD (BSE)
Utkarsh Small Finance Bank Limited provides banking and financial services for individuals and businesses in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company offers savings, salary, current, term and recurrent deposit, institutional, and escrow banking accounts; term deposit products; certificates of deposits; loc… Read more