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Ujjivan Small Finance Bank Ltd. (IN:UJJIVANSFB)
:UJJIVANSFB
India Market

Ujjivan Small Finance Bank Ltd. (UJJIVANSFB) Ratios

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Ujjivan Small Finance Bank Ltd. Ratios

IN:UJJIVANSFB's free cash flow for Q4 2025 was ₹1.00. For the 2025 fiscal year, IN:UJJIVANSFB's free cash flow was decreased by ₹ and operating cash flow was ₹0.00. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
0.96 0.02 0.96 3.44 3.45
Quick Ratio
17.25 0.02 17.25 94.29 28.24
Cash Ratio
12.92 0.28 12.92 11.42 16.48
Solvency Ratio
0.04 0.04 0.04 -0.02 <0.01
Operating Cash Flow Ratio
5.51 0.19 5.51 13.49 22.65
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
₹ -289.22B₹ -346.08B₹ -289.22B₹ -201.53B₹ -167.57B
Leverage Ratios
Debt-to-Assets Ratio
0.08 0.05 0.08 0.06 0.16
Debt-to-Equity Ratio
0.63 0.39 0.63 0.55 1.03
Debt-to-Capital Ratio
0.39 0.28 0.39 0.35 0.51
Long-Term Debt-to-Capital Ratio
0.29 0.00 0.29 0.25 0.22
Financial Leverage Ratio
7.92 7.20 7.92 8.42 6.33
Debt Service Coverage Ratio
0.81 -0.19 0.81 -0.30 >-0.01
Interest Coverage Ratio
0.92 1.01 0.92 -0.35 -0.06
Debt to Market Cap
0.38 0.00 0.38 0.37 0.17
Interest Debt Per Share
22.20 23.03 22.20 14.86 25.36
Net Debt to EBITDA
0.10 0.00 0.10 1.40 0.00
Profitability Margins
Gross Profit Margin
100.00%162.36%100.00%100.00%100.00%
EBIT Margin
44.64%-2.47%44.64%-25.27%-3.76%
EBITDA Margin
47.38%0.00%47.38%-21.41%0.00%
Operating Profit Margin
41.22%57.33%41.22%-17.20%-3.26%
Pretax Profit Margin
44.64%42.75%44.64%-26.35%0.50%
Net Profit Margin
33.46%32.19%33.46%-19.85%0.41%
Continuous Operations Profit Margin
33.46%32.19%33.46%-19.85%0.41%
Net Income Per EBT
74.97%75.29%74.97%75.33%81.36%
EBT Per EBIT
108.29%74.58%108.29%153.19%-15.31%
Return on Assets (ROA)
3.30%3.17%3.30%-1.76%0.04%
Return on Equity (ROE)
26.13%22.83%26.13%-14.79%0.26%
Return on Capital Employed (ROCE)
4.09%7.28%4.09%-1.53%-0.33%
Return on Invested Capital (ROIC)
368.02%4.48%368.02%-38.15%-9.55%
Return on Tangible Assets
3.31%3.18%3.31%-1.76%0.04%
Earnings Yield
23.53%13.73%23.53%-16.21%0.16%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 0.00 0.00
Payables Turnover
0.00 -10.51 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
11.62 9.33 11.62 14.34 7.27
Asset Turnover
0.10 0.10 0.10 0.09 0.10
Working Capital Turnover Ratio
14.51 -0.90 14.51 5.59 8.99
Cash Conversion Cycle
0.00 34.71 0.00 0.00 0.00
Days of Sales Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 -34.71 0.00 0.00 0.00
Operating Cycle
0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
5.73 9.13 5.73 14.74 15.37
Free Cash Flow Per Share
5.05 6.94 5.05 14.44 15.04
CapEx Per Share
0.68 1.27 0.68 0.30 0.34
Free Cash Flow to Operating Cash Flow
0.88 0.76 0.88 0.98 0.98
Dividend Paid and CapEx Coverage Ratio
3.75 5.60 3.75 49.47 45.70
Capital Expenditure Coverage Ratio
8.45 7.16 8.45 49.47 45.70
Operating Cash Flow Coverage Ratio
0.40 0.81 0.40 1.67 0.80
Operating Cash Flow to Sales Ratio
0.32 0.44 0.32 1.22 1.30
Free Cash Flow Yield
19.99%14.32%19.99%97.55%49.30%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
4.25 7.29 4.25 -6.17 635.31
Price-to-Sales (P/S) Ratio
1.42 2.35 1.42 1.22 2.58
Price-to-Book (P/B) Ratio
1.11 1.66 1.11 0.91 1.64
Price-to-Free Cash Flow (P/FCF) Ratio
5.00 6.98 5.00 1.03 2.03
Price-to-Operating Cash Flow Ratio
4.41 5.31 4.41 1.00 1.98
Price-to-Earnings Growth (PEG) Ratio
-0.01 0.51 -0.01 <0.01 -6.50
Price-to-Fair Value
1.11 1.66 1.11 0.91 1.64
Enterprise Value Multiple
3.10 0.00 3.10 -4.32 0.00
Enterprise Value
48.32B 89.84B 48.32B 19.31B 66.43B
EV to EBITDA
3.10 0.00 3.10 -4.32 0.00
EV to Sales
1.47 2.26 1.47 0.92 3.26
EV to Free Cash Flow
5.17 6.72 5.17 0.77 2.56
EV to Operating Cash Flow
4.56 5.11 4.56 0.76 2.50
Tangible Book Value Per Share
22.18 28.57 22.18 15.62 18.03
Shareholders’ Equity Per Share
22.74 29.13 22.74 16.22 18.62
Tax and Other Ratios
Effective Tax Rate
0.25 0.25 0.25 0.25 0.19
Revenue Per Share
17.76 20.66 17.76 12.09 11.80
Net Income Per Share
5.94 6.65 5.94 -2.40 0.05
Tax Burden
0.75 0.75 0.75 0.75 0.81
Interest Burden
1.00 -17.32 1.00 1.04 -0.13
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 >-0.01 0.01
Income Quality
0.72 1.03 0.72 -4.63 260.52
Currency in INR
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