Ujjivan Small Finance Bank Limited has informed the Exchange about Investor Presentation
UJJIVANSFB · price
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Awaiting price reaction for this filing.
Ujjivan SFB filed its Q1FY26 investor presentation showing strong balance sheet growth but sharply lower profitability. Gross Loan Book rose 11% YoY to ₹33,287 Cr and Total Deposits grew 19% YoY to ₹38,619 Cr, with the Secured Book up 61% YoY to ₹15,162 Cr (now 46% of the loan book). However, PAT fell 66% YoY to ₹103 Cr, PPoP dropped 29% to ₹360 Cr, and NIM contracted 157 bps to 7.7%, reflecting higher credit costs and margin pressure. Asset quality weakened with GNPA at 2.5% and NNPA at 0.7%, though collection efficiency stabilised at 96%. Management issued FY26 guidance (advances ~20%, RoE 10-12%, RoA 1.2-1.4%) and a 3-5 year outlook targeting RoA of 1.8-2%, RoE of 16-18%, advances of ~₹1 Lakh Cr and Cost-to-Income of ~55%. The presentation also highlighted the bank's 2025 application for a Universal Bank licence.
Weak quarterly print with steep profit decline and margin contraction may pressure the stock in the near term, though the multi-year roadmap, rising secured-book mix, and Universal Bank licence application signal strategic upside. Investors should weigh near-term asset-quality and margin headwinds against the management's longer-term profitability and growth targets.