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STOCKS

Utkarsh Small Finance Bank Limited (IN:UTKARSHBNK)

:UTKARSHBNK

UTKARSHBNK

Utkarsh Small Finance Bank Limited

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Utkarsh Small Finance Bank Limited (UTKARSHBNK) Ratios

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Utkarsh Small Finance Bank Limited Ratios

IN:UTKARSHBNK's free cash flow for Q4 2025 was ₹1.00. For the 2025 fiscal year, IN:UTKARSHBNK'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 25	Mar 24	Mar 23	Mar 22
Liquidity Ratios
Current Ratio	6.48	0.63	6.48	5.14	4.32
Quick Ratio	6.48	0.63	6.48	5.14	4.32
Cash Ratio	6.17	0.60	6.17	4.90	4.06
Solvency Ratio	0.03	0.03	0.03	<0.01	0.01
Operating Cash Flow Ratio	3.86	0.22	3.86	3.48	-0.29
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	₹ -144.76B	₹ -177.37B	₹ -144.76B	₹ -115.27B	₹ -95.25B
Leverage Ratios
Debt-to-Assets Ratio	0.12	0.08	0.12	0.16	0.21
Debt-to-Equity Ratio	1.10	0.62	1.10	1.49	1.84
Debt-to-Capital Ratio	0.52	0.38	0.52	0.60	0.65
Long-Term Debt-to-Capital Ratio	0.00	0.00	0.00	0.00	0.00
Financial Leverage Ratio	9.56	8.04	9.56	9.58	8.87
Debt Service Coverage Ratio	0.47	0.44	0.47	0.13	0.19
Interest Coverage Ratio	0.55	0.77	0.55	0.10	0.20
Debt to Market Cap	0.00	0.00	0.00	0.00	0.00
Interest Debt Per Share	28.98	30.23	28.98	28.50	38.46
Net Debt to EBITDA	-0.53	-1.63	-0.53	3.84	7.46
Profitability Margins
Gross Profit Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	29.31%	28.84%	29.31%	6.40%	15.71%
EBITDA Margin	32.51%	31.70%	32.51%	9.68%	18.78%
Operating Profit Margin	29.31%	43.27%	29.31%	6.40%	15.71%
Pretax Profit Margin	29.31%	28.84%	29.31%	6.40%	15.71%
Net Profit Margin	22.12%	21.77%	22.12%	4.93%	11.60%
Continuous Operations Profit Margin	22.12%	21.77%	22.12%	4.93%	11.60%
Net Income Per EBT	75.49%	75.47%	75.49%	77.10%	73.84%
EBT Per EBIT	100.00%	66.66%	100.00%	100.01%	100.00%
Return on Assets (ROA)	2.12%	2.08%	2.12%	0.41%	0.92%
Return on Equity (ROE)	20.22%	16.74%	20.22%	3.91%	8.17%
Return on Capital Employed (ROCE)	2.86%	5.24%	2.86%	0.54%	1.28%
Return on Invested Capital (ROIC)	7.50%	3.96%	7.50%	1.46%	3.24%
Return on Tangible Assets	2.12%	2.08%	2.12%	0.41%	0.92%
Earnings Yield	7.69%	9.71%	7.69%	1.17%	2.75%
Efficiency Ratios
Receivables Turnover	0.00	13.86	0.00	13.37	12.97
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	6.03	7.34	6.03	4.35	5.32
Asset Turnover	0.10	0.10	0.10	0.08	0.08
Working Capital Turnover Ratio	0.96	11.83	0.96	0.98	0.88
Cash Conversion Cycle	0.00	26.33	0.00	27.30	28.15
Days of Sales Outstanding	0.00	26.33	0.00	27.30	28.15
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	26.33	0.00	27.30	28.15
Cash Flow Ratios
Operating Cash Flow Per Share	14.35	10.71	14.35	12.13	-0.98
Free Cash Flow Per Share	13.66	8.87	13.66	10.79	-1.92
CapEx Per Share	0.69	0.68	0.69	1.34	0.94
Free Cash Flow to Operating Cash Flow	0.95	0.83	0.95	0.89	1.95
Dividend Paid and CapEx Coverage Ratio	20.74	15.78	20.74	9.06	-1.05
Capital Expenditure Coverage Ratio	20.74	15.78	20.74	9.06	-1.05
Operating Cash Flow Coverage Ratio	0.72	0.60	0.72	0.57	-0.03
Operating Cash Flow to Sales Ratio	0.86	0.49	0.86	1.07	-0.09
Free Cash Flow Yield	28.46%	17.98%	28.46%	22.48%	-4.00%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.00	10.29	13.00	85.59	36.42
Price-to-Sales (P/S) Ratio	2.88	2.24	2.88	4.22	4.22
Price-to-Book (P/B) Ratio	2.63	1.72	2.63	3.35	2.98
Price-to-Free Cash Flow (P/FCF) Ratio	3.51	5.56	3.51	4.45	-25.01
Price-to-Operating Cash Flow Ratio	3.34	4.61	3.34	3.96	-48.79
Price-to-Earnings Growth (PEG) Ratio	0.03	0.35	0.03	-1.60	-0.83
Price-to-Fair Value	2.63	1.72	2.63	3.35	2.98
Enterprise Value Multiple	8.32	5.44	8.32	47.46	29.96
Enterprise Value	49.43B	39.40B	49.43B	57.24B	54.23B
EV to EBITDA	8.32	5.44	8.32	47.46	29.96
EV to Sales	2.70	1.72	2.70	4.59	5.62
EV to Free Cash Flow	3.30	4.28	3.30	4.84	-33.30
EV to Operating Cash Flow	3.14	3.55	3.14	4.31	-64.98
Tangible Book Value Per Share	18.25	28.64	18.25	14.35	16.13
Shareholders’ Equity Per Share	18.25	28.64	18.25	14.35	16.13
Tax and Other Ratios
Effective Tax Rate	0.25	0.25	0.25	0.23	0.26
Revenue Per Share	16.68	22.02	16.68	11.37	11.36
Net Income Per Share	3.69	4.79	3.69	0.56	1.32
Tax Burden	0.75	0.75	0.75	0.77	0.74
Interest Burden	1.00	1.00	1.00	1.00	1.00
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	0.00	0.00	0.00	0.00	0.00
Income Quality	2.94	1.69	2.94	16.67	-0.55

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