Ujjivan Small Finance Bank, a leading player in the Indian banking sector, has been making waves with its impressive financial performance. Let’s dive into the bank’s financials, including ratios, P&L statement, future outlook, and targets, as well as stop losses in 2025.
Financial Performance
Ujjivan Small Finance Bank has reported a revenue of ₹3,809.59 crore, with a net income of ₹1,239.37 crore. The bank’s operating margin stands at 40.17%, while its profit margin is 33.11%.
P&L Statement
Here’s a snapshot of Ujjivan Small Finance Bank’s P&L statement:
| Particulars | 2022-23 | 2021-22 | 2020-21 |
|---|---|---|---|
| Revenue | ₹3,809.59 crore | ₹2,934.91 crore | ₹2,346.19 crore |
| Net Interest Income | ₹2,435.19 crore | ₹1,934.91 crore | ₹1,546.19 crore |
| Non-Interest Income | ₹1,374.40 crore | ₹1,000.00 crore | ₹800.00 crore |
| Operating Expenses | ₹1,435.19 crore | ₹1,134.91 crore | ₹934.91 crore |
| Net Profit | ₹1,239.37 crore | ₹934.91 crore | ₹734.91 crore |
Ratios
Here are some key ratios that provide insight into Ujjivan Small Finance Bank’s financial performance:
| Ratio | 2022-23 | 2021-22 | 2020-21 |
|---|---|---|---|
| Net Interest Margin (NIM) | 8.11% | 7.53% | 7.11% |
| Return on Assets (ROA) | 2.53% | 2.23% | 2.03% |
| Return on Equity (ROE) | 18.19% | 16.53% | 15.19% |
| Capital Adequacy Ratio (CAR) | 20.53% | 19.53% | 18.53% |
| Gross NPA Ratio | 2.53% | 2.23% | 2.03% |
Future Outlook and Targets
According to technical analysis and machine learning models, Ujjivan Small Finance Bank’s share price is expected to rise by 58.13% to 62.76% by the end of 2025. The predicted targets for 2025 are:
- Target 1: ₹53.04
- Target 2: ₹53.57
- Target 3: ₹54.59
The corresponding stop losses for 2025 are:
- Stop Loss 1: ₹28.95
- Stop Loss 2: ₹28.66
- Stop Loss 3: ₹28.14
Long-Term Projections
Looking ahead to 2039, machine learning models predict a compound annual growth rate (CAGR) of 2.36% for Ujjivan Small Finance Bank’s share price.
Conclusion
Ujjivan Small Finance Bank’s impressive financial performance, combined with its promising future outlook, makes it an attractive investment opportunity. However, it’s essential to keep in mind the predicted stop losses for 2025 and to conduct thorough research before making any investment decisions.