Utkarsh Small Finance Bank Past Earnings Performance
Past criteria checks 0/6
Utkarsh Small Finance Bank's earnings have been declining at an average annual rate of -9.8%, while the Banks industry saw earnings growing at 35.2% annually. Revenues have been growing at an average rate of 18.2% per year.
Key information
-9.81%
Earnings growth rate
-11.58%
EPS growth rate
| Banks Industry Growth | 37.99% |
| Revenue growth rate | 18.16% |
| Return on equity | -31.46% |
| Net Margin | -99.49% |
| Last Earnings Update | 30 Sep 2025 |
Recent past performance updates
Revenue & Expenses Breakdown
How Utkarsh 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 25 | 7,569 | -7,530 | 11,999 | 0 |
| 30 Jun 25 | 12,232 | -3,532 | 11,744 | 0 |
| 31 Mar 25 | 16,469 | 237 | 11,514 | 0 |
| 31 Dec 24 | 17,506 | 1,804 | 11,130 | 0 |
| 30 Sep 24 | 20,490 | 4,645 | 10,673 | 0 |
| 30 Jun 24 | 20,600 | 5,275 | 10,331 | 0 |
| 31 Mar 24 | 19,444 | 4,976 | 9,982 | 0 |
| 31 Dec 23 | 18,079 | 4,718 | 9,067 | 0 |
| 30 Sep 23 | 17,245 | 4,492 | 8,727 | 0 |
| 30 Jun 23 | 16,225 | 4,225 | 8,346 | 0 |
| 31 Mar 23 | 15,276 | 4,045 | 7,912 | 0 |
| 31 Dec 22 | 13,570 | 3,191 | 6,986 | 0 |
| 30 Sep 22 | 10,973 | 2,010 | 6,644 | 0 |
| 30 Jun 22 | 9,773 | 1,345 | 6,245 | 0 |
| 31 Mar 22 | 7,725 | 615 | 5,900 | 0 |
| 31 Dec 21 | 7,229 | 267 | 5,163 | 0 |
| 30 Sep 21 | 7,259 | 716 | 4,858 | 0 |
| 30 Jun 21 | 7,010 | 893 | 4,341 | 0 |
| 31 Mar 21 | 6,965 | 1,118 | 4,406 | 0 |
| 31 Dec 20 | 6,937 | 1,338 | 3,561 | 0 |
| 30 Sep 20 | 6,493 | 1,492 | 4,563 | 0 |
| 30 Jun 20 | 6,562 | 1,680 | 4,181 | 0 |
| 31 Mar 20 | 7,269 | 1,867 | 3,798 | 0 |
| 31 Dec 19 | 6,643 | 1,682 | 4,272 | 0 |
| 30 Sep 19 | 5,563 | 1,498 | 2,876 | 0 |
| 30 Jun 19 | 4,884 | 1,218 | 2,711 | 0 |
| 31 Mar 19 | 4,202 | 939 | 2,647 | 0 |
| 31 Dec 18 | 3,484 | 584 | 1,756 | 0 |
| 30 Sep 18 | 2,995 | 229 | 1,749 | 0 |
| 30 Jun 18 | 2,360 | -201 | 1,749 | 0 |
| 31 Mar 18 | 1,725 | -630 | 1,749 | 0 |
| 31 Mar 17 | 2,384 | 290 | 1,653 | 0 |
Quality Earnings: UTKARSHBNK is currently unprofitable.
Growing Profit Margin: UTKARSHBNK is currently unprofitable.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: UTKARSHBNK is unprofitable, and losses have increased over the past 5 years at a rate of 9.8% per year.
Accelerating Growth: Unable to compare UTKARSHBNK's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: UTKARSHBNK is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (12.5%).
Return on Equity
High ROE: UTKARSHBNK has a negative Return on Equity (-31.46%), as it is currently unprofitable.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/11/27 03:37 |
| End of Day Share Price | 2025/11/27 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2025/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Utkarsh Small Finance Bank Limited is covered by 6 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Renish Bhuva | ICICI Securities Ltd. |
| Sanjeev Prasad | Kotak Securities (Institutional Equities) |
| Nischint Chawathe | Kotak Securities (Institutional Equities) |