Ujjivan Small Finance Bank Past Earnings Performance
Past criteria checks 2/6
Ujjivan Small Finance Bank has been growing earnings at an average annual rate of 44.5%, while the Banks industry saw earnings growing at 38.3% annually. Revenues have been growing at an average rate of 27.9% per year. Ujjivan Small Finance Bank's return on equity is 19.8%, and it has net margins of 28.4%.
Key information
44.5%
Earnings growth rate
40.2%
EPS growth rate
| Banks Industry Growth | 38.0% |
| Revenue growth rate | 27.9% |
| Return on equity | 19.8% |
| Net Margin | 28.4% |
| Last Earnings Update | 30 Sep 2024 |
Revenue & Expenses Breakdown
How Ujjivan Small Finance Bank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 41,017 | 11,638 | 18,657 | 0 |
| 30 Jun 24 | 40,662 | 12,585 | 17,707 | 0 |
| 31 Mar 24 | 39,813 | 12,815 | 16,989 | 0 |
| 31 Dec 23 | 38,096 | 12,394 | 15,206 | 0 |
| 30 Sep 23 | 36,639 | 12,325 | 14,321 | 0 |
| 30 Jun 23 | 35,187 | 11,991 | 13,791 | 0 |
| 31 Mar 23 | 32,693 | 10,779 | 13,317 | 0 |
| 31 Dec 22 | 29,531 | 9,169 | 12,437 | 0 |
| 30 Sep 22 | 24,747 | 5,899 | 12,392 | 0 |
| 30 Jun 22 | 16,562 | 218 | 8,688 | 0 |
| 31 Mar 22 | 9,460 | -4,146 | 11,233 | 0 |
| 31 Dec 21 | 8,539 | -4,046 | 10,617 | 0 |
| 30 Sep 21 | 4,455 | -6,496 | 10,446 | 0 |
| 30 Jun 21 | 8,781 | -2,798 | 7,279 | 0 |
| 31 Mar 21 | 12,403 | 83 | 10,555 | 0 |
| 31 Dec 20 | 11,716 | -683 | 11,500 | 0 |
| 30 Sep 20 | 16,932 | 3,002 | 11,425 | 0 |
| 30 Jun 20 | 16,974 | 3,101 | 7,449 | 0 |
| 31 Mar 20 | 17,848 | 3,367 | 11,041 | 0 |
| 31 Dec 19 | 17,166 | 3,140 | 10,043 | 0 |
| 30 Sep 19 | 15,675 | 2,564 | 9,790 | 0 |
| 30 Jun 19 | 14,217 | 2,206 | 9,020 | 0 |
| 31 Mar 19 | 12,718 | 1,727 | 8,389 | 0 |
| 31 Dec 18 | 11,406 | 2,006 | 9,183 | 0 |
| 30 Sep 18 | 10,156 | 1,851 | 9,287 | 0 |
| 30 Jun 18 | 8,643 | 1,290 | 7,334 | 0 |
| 31 Mar 18 | 6,617 | 69 | 5,501 | 0 |
| 31 Mar 17 | 1,497 | 0 | 1,019 | 0 |
Quality Earnings: UJJIVANSFB has high quality earnings.
Growing Profit Margin: UJJIVANSFB's current net profit margins (28.4%) are lower than last year (33.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: UJJIVANSFB's earnings have grown significantly by 44.5% per year over the past 5 years.
Accelerating Growth: UJJIVANSFB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UJJIVANSFB had negative earnings growth (-5.6%) over the past year, making it difficult to compare to the Banks industry average (15%).
Return on Equity
High ROE: UJJIVANSFB's Return on Equity (19.8%) is considered low.