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Utkarsh Small Finance Bank Ltd

NSE:UTKARSHBNKFinancial Services

₹13.05−1.66%At closeAt close · Mon 19 Oct · ≈ AED 0.5035 · Market cap $248.02M · Next earnings Mon 2 Nov

Ratio	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026	Current · undated	YoY
Gross margin	56.5%	61.3%	65.2%	63.9%	60.1%	9.0%	—	—
Operating margin	8.9%	3.9%	19.1%	18.4%	0.6%	−39.5%	−39.5%	+0.0 pts
Net margin	6.6%	3.0%	14.4%	13.9%	0.5%	−30.2%	−30.2%	+0.0 pts
EBITDA margin	10.6%	5.9%	21.2%	20.2%	2.4%	−37.5%	—	—
Return on equity	8.2%	3.9%	20.2%	16.7%	0.8%	−41.5%	−41.5%	+0.0 pts
Return on assets	0.9%	0.4%	2.1%	2.1%	0.1%	−4.0%	−4.0%	+0.0 pts
Return on capital employed	1.3%	1.7%	2.9%	3.5%	0.5%	−5.6%	—	—
Debt / equity	3.5×	3.5×	3.1×	2.1×	0.8×	1.0×	1.0×	+0.0%
Debt / assets	39.9%	36.1%	31.9%	25.9%	8.4%	9.8%	—	—
Interest coverage	0.2×	0.1×	0.5×	0.5×	0.0×	−0.8×	—	—
Current ratio	4.3×	0.2×	6.5×	0.6×	0.2×	1.0×	1.0×	+0.0%
Quick ratio	4.3×	0.2×	6.5×	0.6×	0.2×	1.0×	—	—
Cash ratio	4.1×	0.2×	6.2×	0.6×	0.2×	1.0×	1.0×	+0.0%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.2×	0.1×	—	—
Receivables turnover	22.9×	21.8×	22.4×	21.7×	21.9×	13.9×	—	—
Dividend payout	0.0%	0.0%	0.0%	0.0%	232.2%	0.0%	—	—