Ujjivan Small [UJJIVANSFB] vs RBL Bank [RBLBANK] Detailed Stock Comparison

Ujjivan Small Finance Bank Ltd.

NSE
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RBL Bank Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: Ujjivan Small Finance Bank Ltd. wins in 11 metrics, RBL Bank Ltd. wins in 7 metrics, with 0 ties. Ujjivan Small Finance Bank Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Ujjivan Small Finance Bank Ltd. RBL Bank Ltd. Better
P/E Ratio (TTM) 22.54 27.21 Ujjivan Small Finance Bank Ltd.
Price-to-Book Ratio 1.74 1.22 RBL Bank Ltd.
Debt-to-Equity Ratio 0.49 0.97 Ujjivan Small Finance Bank Ltd.
PEG Ratio -1.09 -9.45 Ujjivan Small Finance Bank Ltd.
Profit Margin (TTM) 13.02% 9.08% Ujjivan Small Finance Bank Ltd.
Operating Margin (TTM) 22.21% 13.97% Ujjivan Small Finance Bank Ltd.
EBITDA Margin (TTM) 22.21% 13.97% Ujjivan Small Finance Bank Ltd.
Return on Equity 11.94% 4.58% Ujjivan Small Finance Bank Ltd.
Return on Assets (TTM) 1.52% 0.49% Ujjivan Small Finance Bank Ltd.
Free Cash Flow (TTM) $18.61B $-11.12B Ujjivan Small Finance Bank Ltd.
Dividend Yield 3.07% 0.37% Ujjivan Small Finance Bank Ltd.
1-Year Return 11.60% 66.12% RBL Bank Ltd.
Price-to-Sales Ratio (TTM) 2.91 2.50 RBL Bank Ltd.
Enterprise Value $119.07B $229.21B RBL Bank Ltd.
EV/Revenue Ratio 3.14 2.89 RBL Bank Ltd.
Revenue per Share (TTM) $20 $130 RBL Bank Ltd.
Earnings per Share (Diluted) $2.52 $11.81 RBL Bank Ltd.
Beta (Stock Volatility) 0.46 0.64 Ujjivan Small Finance Bank Ltd.

Ujjivan Small Finance Bank Ltd. vs RBL Bank Ltd. Stock Performance Analysis

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UJJIVANSFB
RBLBANK

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Ujjivan Small Finance Bank Ltd.4.00%9.14%2.01%12.91%4.98%6.65%
RBL Bank Ltd.1.86%8.03%10.22%25.87%22.46%18.19%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Ujjivan Small Finance Bank Ltd.11.60%45.83%77.79%5.31%5.31%5.31%
RBL Bank Ltd.66.12%111.05%76.95%21.44%21.44%21.44%

Performance & Financial Health Analysis: Ujjivan Small Finance Bank Ltd. vs RBL Bank Ltd.

MetricUJJIVANSFBRBLBANK
Market Information
Market Cap i₹110.39B₹198.74B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i16,581,3444,715,454
90 Day Avg. Volume i14,611,4744,921,112
Last Close₹56.95₹372.65
52 Week Range₹41.32 - ₹68.00₹214.04 - ₹375.15
% from 52W High-16.25%-0.67%
All-Time High₹68.00 (Jan 23, 2026)₹716.40 (May 27, 2019)
% from All-Time High-16.25%-47.98%
Growth Metrics
Quarterly Revenue Growth0.32%0.41%
Quarterly Earnings Growth0.71%3.82%
Financial Health
Profit Margin (TTM) i0.13%0.09%
Operating Margin (TTM) i0.22%0.14%
Return on Equity (TTM) i0.12%0.05%
Debt to Equity (MRQ) i0.490.97
Cash & Liquidity
Book Value per Share (MRQ)₹32.73₹263.84
Cash per Share (MRQ)₹12.27₹176.41
Operating Cash Flow (TTM) i₹8.23B₹25.23B
Levered Free Cash Flow (TTM) i₹7.26B₹7.17B
Dividends
Last 12-Month Dividend Yield i3.07%0.37%
Last 12-Month Dividend i₹1.50₹1.00

Valuation & Enterprise Metrics Analysis: Ujjivan Small Finance Bank Ltd. vs RBL Bank Ltd.

MetricUJJIVANSFB (Apr 24, 2026)RBLBANK (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i22.5427.21
Forward P/E i10.6412.17
PEG Ratio i-1.09-9.45
Price to Sales (TTM) i2.912.50
Price to Book (MRQ) i1.741.22
Market Capitalization
Market Capitalization i₹110.39B₹198.74B
Enterprise Value i₹119.07B₹229.21B
Enterprise Value Metrics
Enterprise to Revenue i3.142.89
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.460.64
Book Value per Share (MRQ) i₹32.73₹263.84

Financial Statements Comparison: Ujjivan Small Finance Bank Ltd. vs RBL Bank Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricUJJIVANSFB (2025)RBLBANK (2025)
Revenue/Sales i43.70B104.07B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i9.42B6.96B
Pre-Tax Income % of Revenue i21.5%6.7%
Income Tax i2.15B-212.70M
Income Tax % of Revenue i4.9%-0.2%
Net Income (Profit) i7.26B7.17B
Profit Margin i16.6%6.9%

Balance Sheet & Liquidity Metrics

MetricUJJIVANSFB (2025)RBLBANK (2025)
Cash & Equivalents i31.57B125.66B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i18.55B145.15B
Long-Term Debt % of Revenue i42.5%139.5%
Total Shareholders Equity i60.83B156.70B
Retained Earnings i20.33B2.58B
Retained Earnings % of Revenue i46.5%2.5%
Property, Plant & Equipment i10.38B19.30B

Cash Flow Statement Comparison

MetricUJJIVANSFB (2025)RBLBANK (2025)
Operating Cash Flow i8.23B25.23B
Operating Cash Flow % of Revenue i18.8%24.2%
Capital Expenditures i-1.65B-2.81B
Free Cash Flow i18.61B-11.12B
FCF Margin i42.6%-10.7%
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricUJJIVANSFBRBLBANK
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i1.94B618.35M
Float Shares i1.90B564.24M
% Held by Insiders i1.72%2.71%
% Held by Institutions i33.94%52.84%
% Held by Public i64.34%44.45%

Dividend Analysis & Yield Comparison: Ujjivan Small Finance Bank Ltd. vs RBL Bank Ltd.

MetricUJJIVANSFBRBLBANK
Last 12-Month Dividend i₹1.50₹1.00
Last 12-Month Dividend Yield i3.07%0.37%
3-Year Avg Annual Dividend i₹0.92₹1.33
3-Year Avg Dividend Yield i2.46%0.56%
3-Year Total Dividends i₹2.75₹4.00
Ex-Dividend DateJul 12, 2024Sep 08, 2025