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Financials Ratios
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Utkarsh Small Finance Bank Ltd.
BSE CODE: 543942   |   NSE CODE: UTKARSHBNK   |   ISIN CODE : INE735W01017   |   21-Nov-2024 Hrs IST
BSE NSE
Rs. 34.98
-0.36 ( -1.02% )
 
Prev Close ( Rs.)
35.34
Open ( Rs.)
35.39
 
High ( Rs.)
35.57
Low ( Rs.)
34.65
 
Volume
66300
Week Avg.Volume
294869
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 34.95
-0.42 ( -1.19% )
 
Prev Close ( Rs.)
35.37
Open ( Rs.)
35.78
 
High ( Rs.)
35.78
Low ( Rs.)
34.65
 
Volume
1109397
Week Avg.Volume
2307813
 
52 WK High-Low Range(Rs.)
34.65
68.3
Particulars Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Operational & Financial Ratios          
   Earnings Per Share (Rs)4.53  4.52  0.69  1.32  2.46  
   DPS(Rs)0.50  0.00  0.00  0.00  0.00  
   Book NAV/Share(Rs)26.85  22.13  17.49  16.13  13.43  
Margin Ratios          
   Yield on Advances19.42  19.17  18.08  19.24  20.82  
   Yield on Investments5.69  5.21  6.48  7.08  8.01  
   Cost of Liabilities6.64  6.08  6.23  7.33  7.33  
   NIM8.17  8.29  7.34  7.17  8.01  
   Interest Spread12.78  13.09  11.84  11.91  13.49  
Performance Ratios          
   ROA(%)2.31  2.37  0.45  1.04  2.39  
   ROE(%)20.17  22.80  4.19  9.37  20.84  
   ROCE(%)17.84  17.13  7.19  10.78  14.06  
Efficiency Ratios          
   Cost Income Ratio56.38  54.15  58.90  55.43  57.63  
   Core Cost Income Ratio56.38  54.15  58.77  56.29  57.68  
   Operating Costs to Assets5.39  5.18  4.87  4.49  5.07  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)10.35  0.00  0.00  0.00  0.00  
   PCE(x)9.15  0.00  0.00  0.00  0.00  
   Price/Book(x)1.75  0.00  0.00  0.00  0.00  
   Yield(%)1.07  0  0  0  0  
   EV/Net Sales(x)2.25  1.30  1.88  2.19  2.63  
   EV/Core EBITDA(x)7.17  3.87  6.77  7.88  9.80  
   EV/EBIT(x)3.66  2.15  4.00  3.87  4.15  
   EV/CE(x)1.44  0.75  0.84  0.87  0.93  
   M Cap / Sales1.62  0.00  0.00  0.00  0.00  
Growth Ratio          
   Core Operating Income Growth23.33  44.13  26.41  15.25  46.01  
   Operating Profit Growth-43.87  37.86  -19.98  -78.57  -42.52  
   Net Profit Growth23.02  558.13  -45.03  -40.12  98.90  
   BVPS Growth21.33  -99.87  0.00  20.13  28.07  
   Advances Growth25.22  27.77  24.48  30.81  34.56  
   EPS Growth(%)0.25  557.85  -47.93  -46.41  93.08  
Liquidity Ratios          
   Loans/Deposits(x)0.11  0.17  0.26  0.35  0.51  
   Cash / Deposits(x)0.07  0.09  0.18  0.04  0.04  
   Investment / Deposits(x)0.21  0.21  0.23  0.31  0.23  
   IncLoan / Deposits(x)11.42  17.14  25.53  34.74  51.10  
   Credit/Deposits(%)93.66  95.32  101.53  109.45  119.99  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)0.03  0.39  2.31  1.33  0.18