UTKARSH SMALL FINANCE BANK LIMITED

Scale -

PBT is -45.41 Rs Cr; Continuous Growth over 3 years; in Bottom Quartile
Quarterly Income is 884 Rs Cr; Continuous Growth over 3 Quarters
Quarterly Operating profit is 63.57 Rs Cr; Continuous Growth over 3 Quarters; in Bottom Quartile
Quarterly Profit is -33.92 Rs Cr; Continuous Growth over 3 Quarters
Income is 3810 Rs Cr; 5 Year CAGR is 11 %

Operating Profit is 56.35 Rs Cr; Annual Decline is -94 %; in Bottom Quartile; 5 Year CAGR is -59 %
Profit Before tax is -1507 Rs Cr; Annual Decline is -5549 %; PBT Continuous Decline over 3 years; PBT in Bottom Quartile
Profit After Tax is -1151 Rs Cr; Annual Decline is -4956 %; Continuous Decline over 3 years; in Bottom Quartile

Profitability -

Quarterly Operating profit margin is 7 %; Continuous Growth over 3 Quarters; in Bottom Quartile
Quarterly PAT margin is -4 %; Continuous Growth over 3 Quarters; in Bottom Quartile

Operating Profit Margin is -60.33 %; Annual Decline is -6803 %; Continuous Decline over 3 years; in Bottom Quartile
PAT Margin is -34.06 %; Annual Decline is -5594 %; Continuous Decline over 3 years; in Bottom Quartile

Return -

Interest Income/Total Assets (%) is 11.7 %; in Top Quartile

ROCE (%) is 0.2 %; Annual Decline is -95 %; Continuous Decline over 3 years; in Bottom Quartile; 5 Year CAGR is -65 %
ROA is -3.98 %; Annual Decline is -5075 %; Continuous Decline over 3 years; in Bottom Quartile
ROE (%) is -41.46 %; Annual Decline is -5348 %; Continuous Decline over 3 years; in Bottom Quartile

Efficiency -

CASA is 23.99 %; Continuous Growth over 3 years

Net Interest Margin is 5.11 %; Annual Decline is -29 %; Continuous Decline over 3 years; 5 Year CAGR is -14 %
Operating cash flow is 781 Rs Cr; Continuous Decline over 3 years; 5 Year CAGR is -21 %

Solvancy -

Net NPA is 594 Rs Cr; Annual Decline is -34 %; 5 Year CAGR is 390 %
% Net NPA is 3.29 %; Annual Decline is -32 %; Quartile is Top; 5 Year CAGR is 104 %
Contingent Liabilities is 76.8 Rs Cr; 5 Year CAGR is -39 %

Quality -

Operating cashflow/ebitda is 13.85 %; Annual Growth is 1493 %; in Top Quartile; 5 Year CAGR is 95 %

Operating cashflow/Profit After Tax is -68 %; Annual Decline is -102 %

Quarterly Results- overall

Annual Results- Scale

Annual Results- Liquidity

Annual Results- Profitability/Return

Annual Results- Valuation

External Ecosystem

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