Utkarsh Small Finance Bank Limited

NSE

UTKARSHBNK

Stock

Yield per half year: -24.85%
Dividend yield: 1.01%

Reporting Utkarsh Small Finance Bank Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Выручка, млрд ₹	610.48	809.69	738.81	1 562.31	1 953.6	1 953.6	1134.98	26.19
Чистая прибыль, млрд ₹	156.84	93.91	36.45	345.65	425.23	425.23	211.62	22.08
EV, млрд ₹	1 003.4	1 134.64	274.77	-270.79	1 788.47	1 788.47	786.10	12.25
EBIT, млрд ₹	148.52	127.18	47.28	457.86	563.46	563.46	268.86	30.56
EBITDA, млрд ₹	0.002	152.02	71.53	507.98	619.23	619.23	270.15	1153.62
OIBDA, млрд ₹	54.56	189.03	118.97	620.19	1 039.23	1 039.23	404.40	80.29
Баланс стоимость, млрд ₹	856.22	1 149.21	932.53	1 709.31	2 540.64	2 540.64	1437.58	24.30
FCF, млрд ₹	-1 154.12	-136.75	701.33	1 279.46	786.86	786.86	295.36	-192.63
Операционный денежный поток, млрд ₹	-1 115.83	-70.1	788.32	1 344.27	-2 368.06	-2 368.06	-284.2800	16.24
Операционная прибыль, млрд ₹	210.31	127.18	47.28	457.86	845.23	845.23	337.57	32.08
Операционные расходы, млрд ₹	400.17	458.4	436.94	858.95	1 108.36	1 108.36	652.56	22.60
CAPEX, млрд ₹	38.29	66.66	86.99	64.81	60.17	60.17	63.38	9.46

	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ₹	431.62	476.88	482.77	564.51	472.35	564.62	500.42	516.93	0.72
Чистая прибыль, млрд ₹	90.28	99.81	99.17	136.43	117.41	43.91	-143.61	50.66	-207.69
EV, млрд ₹		4 549.35		3 617.79		1 706.21		3291.12	-27.88
EBIT, млрд ₹	242.82	269.41	259.86	352.79	296.97			284.37	4.11
EBITDA, млрд ₹	121.41	134.71	129.93	178.04	159.15			144.65	5.56
OIBDA, млрд ₹			160.69	219.65	338.71			239.68	28.22
Баланс стоимость, млрд ₹	1 679.96	2 344.29	2 296.48	2 540.64	2 540.64	2 670.37		2478.48	2.64
Операционная прибыль, млрд ₹	121.41	134.71	129.93	178.04	296.97	-849.15	158.31	-17.1800	4.03
Операционные расходы, млрд ₹	245.83	269.55	263.88	330.3	175.38	564.62	342.11	335.26	5.33

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹	1 229.26	982.46	1 110.07	2 150.27	2 587.02	2 587.02	1611.82	16.05
Total Receivables ₹		62.45	55.27	106.74	140.92	140.92	91.34	22.56
Total Current Assets ₹	1 229.26	1 044.91	1 165.34	2 257.01	2 727.94	2 727.94	1684.89	17.28
Активы, млрд ₹	7 898.17	10 193.97	8 934.31	16 336.03	20 425.22	20 425.22	12757.54	20.93
Short Term Debt ₹					1 014.1	1 014.1	1014.10	0.00
Задолженность, млрд ₹	7 041.95	9 044.77	8 001.78	14 626.73	17 884.58	17 884.58	11319.96	20.49
Чистый долг, млрд ₹	1 003.4	1 134.64	274.77	-270.79	-2 587.02	-2 587.02	-89.0000	-220.86
Долг, млрд ₹	2 232.66	2 117.1	1 384.85	1 879.49	1 576.65	1 576.65	1838.15	-6.72
Расходы на обслуживание долга ₹		622.95	467.34	833.96	1 104.56	1 104.56	757.20	15.39
Амортизация, млрд ₹	-210.31	24.84	24.25	50.12	55.77	55.77	-11.0660	-176.68
Товарно материальные запасы ₹					148.05	148.05	148.05	0.00

	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹		1 427.81		2 587.02		2 773.08		2262.64	24.77
Total Receivables ₹				140.92				140.92	0.00
Total Current Assets ₹		1 427.81		2 727.94		2 773.08		2309.61	24.77
Активы, млрд ₹		17 147.54		20 425.22		22 479.18		20017.31	9.44
Задолженность, млрд ₹		1 659.36		17 884.58	-2 540.64	19 808.8		9203.03	85.88
Чистый долг, млрд ₹		231.54		-1 010.37		-2 773.08		-1183.9700	-328.79
Долг, млрд ₹		1 659.36		1 576.65				1618.01	-2.52
Расходы на обслуживание долга ₹	250.66	274.6	276.58	303.93	335.61	366.4	386.5	333.80	6.92
Амортизация, млрд ₹	-121.41	-134.71	-129.93	-174.76	-137.82			-139.7260	2.57
Себестоимость, млрд ₹					442.46			442.46	0.00

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	209.41	110.7	33.26	315.4	405.68		405.68	214.89	14.14
Цена акции ао				53.85	33.99	24.07	24.07	37.30	-23.54
Число акций ао, млн	62900.24	71246.63	64997.72	93646.4	89570.36		89570.36	76472.27	7.33
FCF/акцию	-18.35	-1.92	10.79	13.66	8.78		8.78	2.59	-186.29

	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS	82.38	100.32	96.56	123.05	105.96	39.31	-130.74			46.83	-206.25
Цена акции ао								22.37	24.07	23.22	3.73

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	18.32	8.17	4.18	22.64	20.01		20.01		14.66	1.78
ROA, %	1.99	0.9212	0.4519	2.37	2.31		2.31		1.61	3.03
ROS, %	25.69	11.6	4.93	22.12	21.77	21.77	21.77		16.44	13.42
ROCE, %	2.73	11.07	0.5429	2.86	3.5	22.18	22.18		8.03	14.91
Ebit margin, %	34.45	15.71	6.4	29.31	28.84	28.84	28.84		21.82	12.92
Рентаб EBITDA, %	0.000464	18.78	9.68	32.51	31.7	31.7	31.7		24.87	11.04
Чистая рентаб, %	25.69	11.6	4.93	22.12	21.77		21.77		17.22	-3.26
Operation Margin, %	34.45	15.71	6.4	29.31	43.27	43.27	43.27		27.59	22.46

	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %	5.37	6.42	5.78	6.48	5.07	1.78				5.11	-22.63
ROA, %		1.16		1.34		0.3907				0.9636	-30.42
ROS, %	20.92	20.93	20.54	24.17	24.86	7.78	-28.7	21.77		9.98	-2.07
ROCE, %		1.61		1.92				22.18		8.57	139.72
Ebit margin, %		56.49	53.83	62.49	62.87			28.84		52.90	-12.58
Рентаб EBITDA, %	28.13	28.25	26.91	31.54	33.69			31.7		30.42	2.33
Чистая рентаб, %	20.92	20.93	20.54	24.17	24.86	7.78	-28.7			9.73	-206.92
Operation Margin, %	28.13	28.25	26.91	31.54	62.87	-150.39	31.64	43.27		3.79	6.53

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E					10.29		10.29		10.29	0.00
P/BV					1.72		1.72		1.72	0.00
P/S					2.24		2.24		2.24	0.00
P/FCF				0	0	0	0
E/P				0	0	0	0
EV/EBIT	4.77	8.92	5.81	-0.5914	3.17	3.17	3.17		4.10	-18.69
EV/EBITDA	362044.76	7.46	3.84	-0.5331	2.89		2.89		72411.68	-90.44
EV/S	1.64	1.4	0.3719	-0.1733	0.9155	0.9155	0.9155		0.6859	-8.14
EV/FCF	-0.8694	-8.3	0.3918	-0.2116	2.27	2.27	2.27		-0.7160	-177.16
Debt/EBITDA	788350	13.93	19.36	3.7	2.55	2.55	2.55		8.42	-28.79
Netdebt/Ebitda	354300	7.46	3.84	-0.5331	-4.18	-4.18	-4.18		0.4814	-189.06
Debt/Ratio	0.2827	0.2077	0.155	0.1151	0.0772	0.0772	0.0772		0.1264	-17.96
Debt/Equity	2.61	1.84	1.49	1.1	0.6206	7.04	7.04		2.42	30.78
Debt/Net Income	14.24	22.54	37.99	5.44	3.71	3.71	3.71		14.68	-30.29
PEG						-0.0108	-0.0108		-0.0108	0.00
Бета				0	4.29	1.89	1.89		3.09	-33.63
Индекс Альтмана				0	0.1252	0.1248	0.1248		0.1250	-0.16

	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E	11.12	11.16	10.39	10.49	10.99					10.83	-0.23
P/BV	0.2788		1.82		1.68					1.26	81.97
P/S	2.62	2.52	2.26	2.37	2.1	1.53				2.16	-9.50
EV/EBIT	16.89		10.25					3.17		10.10	-42.75
EV/EBITDA	11.02		6.42							8.72	-23.67
EV/S	9.54		6.41		3.02			0.9155		4.97	-44.34
EV/FCF								2.27		2.27	0.00
Debt/EBITDA	12.32		8.86					2.55		7.91	-40.85
Netdebt/Ebitda	1.72		-5.67					-4.18		-2.7100	-234.45
Debt/Ratio	0.0968		0.0772					0.0772		0.0837	-7.26
Debt/Equity	0.7078		0.6206					7.04		2.79	115.06
Debt/Net Income	16.63		11.56					3.71		10.63	-39.35
PEG								-0.0108		-0.0108	0.00
Бета							4.78	1.89		3.33	-37.12
Индекс Альтмана							0.1248	0.1248		0.1248	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual

	2024	LTM	Industry average	5 year average	CAGR 5
Дивиденд	0.0059	0.0059		0.0059	0.00
Див доход, ао, %	1.01	1.01		1.01	0.00

	Industry average	5 quarters average	CAGR 5

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	6.27	8.23	11.77	4.15	3.08	3.08	-13.25
Персонал, чел				15 424	15 424		0.00

	CAGR 5

	CAGR 5