Ujjivan Small Finance Bank : Q4 2024 Financial Quarterly Report : YoY Revenue Up 29.01 %, QoQ Up 3.94 %

The comprehensive analytics outlining the performance and outlook of Ujjivan Small Finance Bank Limited”s stock. This analysis encompasses various metrics including stock performance, investor sentiment, market trends, future outlook, risk factors, investment opportunities, long-term strategy, dividend policy, analyst insights, and the overall risk-reward profile. These insights aim to provide investors with a holistic understanding of the company”s stock, enabling informed decision-making and strategic investment planning.

Today, we’re looking at Ujjivan Small Finance Bank Limited’s financial performance for the Q4(Mar 2024).Starting with the top line, the company reported a robust year-over-year revenue growth of 29.01 %. However, it did see a marginal increase of 3.94 % from the previous quarter. Interest expenses dropped significantly by -2.58 % from the previous quarter, yet the year-over-year increase remains at a moderate 33.16 %. Expenses ticked up slightly by 12.27 % quarter-on-quarter, aligning with the annual rise of 44.7 %.
Financing profit, while down -12.86 % compared to last year, faced a quarter-on-quarter dip of -2.96 %, signaling a short-term contraction in margins. The Financing Margin % contradicts this narrative, showing weakness on an annual basis with a decrease of -6.39 %, but a shrinkage of -0.94 % sequentially. Other income rose by 27.8 % compared to the last quarter, despite an annual growth of 31.87 %. Profit before tax grew annually by 6.56 % but saw an increase from the preceding quarter by 11.45 %. Tax expenses as a percentage of profits increased slightly by 0.04 % compared to last year, With a more notable quarter-on-quarter increase of 1.09 %.
Net profit rose by 6.5 % year-on-year, but experienced a 9.85 % expansion from the last quarter. And finally, Earnings Per Share (EPS) displayed an annual uptick of 11.76 % but a quarterly rise of 11.04 %. The Gross NPA% illustrates a promising trend with a quarterly rise of 0 % and an annual decline of -2.86 %, pointing to weakening recovery efforts and a deteriorating credit environment. In summary, Ujjivan Small Finance Bank Limited’s annual performance indicates steady growth, although the quarter-on-quarter figures suggest some areas may require strategic attention.

In reviewing Ujjivan Small Finance Bank Limited’s 2024(Q4) financial snapshot, key trends emerge, shedding light on the company’s performance.Revenue saw a robust 29.01 % year-on-year growth, however, there was a minor increase of 3.94 % from the previous quarter. Interest expenses fell by -2.58 % quarterly and sharply by 33.16 % annually, demonstrating effective cost control and improved debt management. Expenses rose by 44.7 % compared to the previous year, with a 12.27 % increase quarter-on-quarter. Financing Profit dropped by -12.86 % annually, and saw a -2.96 % decrease from the last quarter.
Net Profit showed yearly increase of 6.5 %, and experienced a 9.85 % increase from the previous quarter. Earnings Per Share (EPS) rose by 11.76 % annually, however rose by 11.04 % compared to the last quarter. Gross NPA% increased slightly by 0 % quarterly and fell by -2.86 % annually, showcasing improvements in asset quality. In essence, while Ujjivan Small Finance Bank Limited faces strong annual decline indicators, short-term fluctuations suggest the need for agile strategies to navigate market dynamics effectively. That’s all for now in the financial sector.