{"id":70328,"date":"2026-04-13T16:40:55","date_gmt":"2026-04-13T11:10:55","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=70328"},"modified":"2026-04-13T16:40:57","modified_gmt":"2026-04-13T11:10:57","slug":"ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/","title":{"rendered":"Ujjivan Small Finance Bank Q4 Results 2026: Date, Revenue, PAT &amp; Analyst Outlook"},"content":{"rendered":"<p>Ujjivan Small Finance Bank (NSE: UJJIVANSFB) is preparing to announce its Q4 FY26 financial results for the period ended March 31, 2026. The board of directors is scheduled to meet on May 2026 (Expected) to approve the audited statements and consider a final dividend recommendation. With the stock at Rs 38 \u2014 against a 52-week high of Rs 60 and 1-year return of -34% \u2014 the Q4 FY26 results will be a pivotal event for investors.<\/p><p>Analyst estimates for Q4 FY26 revenue stand at Rs 1,540-1,650 Cr, with PAT expectations of Rs 220-270 Cr and margin projections of NIM 8.5-9.2%. This article covers the Ujjivan Small Finance Bank Q4 results 2026 date, earnings estimates, five key performance factors, five risks, analyst ratings, and investor FAQs.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Ujjivan_Small_Finance_Bank_Q4_Results_2026_Date\" title=\"Ujjivan Small Finance Bank Q4 Results 2026 Date\">Ujjivan Small Finance Bank Q4 Results 2026 Date<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Why_This_Quarter_Matters\" title=\"Why This Quarter Matters\">Why This Quarter Matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Ujjivan_Small_Finance_Bank_Q4_FY26_Earnings_Estimates\" title=\"Ujjivan Small Finance Bank Q4 FY26 Earnings Estimates\">Ujjivan Small Finance Bank Q4 FY26 Earnings Estimates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#5_Key_Factors_That_Will_Drive_Ujjivan_Small_Finance_Bank_Q4_FY26_Performance\" title=\"5 Key Factors That Will Drive Ujjivan Small Finance Bank Q4 FY26 Performance\">5 Key Factors That Will Drive Ujjivan Small Finance Bank Q4 FY26 Performance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Revenue_Momentum\" title=\"Revenue Momentum\">Revenue Momentum<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Margin_Trajectory\" title=\"Margin Trajectory\">Margin Trajectory<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#PAT_Quality\" title=\"PAT Quality\">PAT Quality<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Management_Guidance_for_FY27\" title=\"Management Guidance for FY27\">Management Guidance for FY27<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Dividend_Declaration\" title=\"Dividend Declaration\">Dividend Declaration<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#5_Risks_to_Watch_in_Ujjivan_Small_Finance_Bank_Q4_FY26\" title=\"5 Risks to Watch in Ujjivan Small Finance Bank Q4 FY26\">5 Risks to Watch in Ujjivan Small Finance Bank Q4 FY26<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#US_Tariff_and_Macro_Headwinds\" title=\"US Tariff and Macro Headwinds\">US Tariff and Macro Headwinds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Earnings_Miss_Risk\" title=\"Earnings Miss Risk\">Earnings Miss Risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#FY27_Guidance_Below_Consensus\" title=\"FY27 Guidance Below Consensus\">FY27 Guidance Below Consensus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#FII_Outflow_Continuation\" title=\"FII Outflow Continuation\">FII Outflow Continuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Sector_Regulatory_Risk\" title=\"Sector Regulatory Risk\">Sector Regulatory Risk<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Ujjivan_Small_Finance_Bank_Share_Price_and_Analyst_Ratings\" title=\"Ujjivan Small Finance Bank Share Price and Analyst Ratings\">Ujjivan Small Finance Bank Share Price and Analyst Ratings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#What_is_the_Ujjivan_Small_Finance_Bank_Q4_results_2026_date\" title=\"What is the Ujjivan Small Finance Bank Q4 results 2026 date?\">What is the Ujjivan Small Finance Bank Q4 results 2026 date?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#What_is_the_Ujjivan_Small_Finance_Bank_Q4_FY26_PAT_estimate\" title=\"What is the Ujjivan Small Finance Bank Q4 FY26 PAT estimate?\">What is the Ujjivan Small Finance Bank Q4 FY26 PAT estimate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#What_is_Ujjivan_Small_Finance_Banks_share_price_ahead_of_Q4_results\" title=\"What is Ujjivan Small Finance Bank&#8217;s share price ahead of Q4 results?\">What is Ujjivan Small Finance Bank&#8217;s share price ahead of Q4 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Will_Ujjivan_Small_Finance_Bank_declare_a_dividend_in_Q4_FY26\" title=\"Will Ujjivan Small Finance Bank declare a dividend in Q4 FY26?\">Will Ujjivan Small Finance Bank declare a dividend in Q4 FY26?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Which_analysts_have_a_Buy_rating_on_Ujjivan_Small_Finance_Bank\" title=\"Which analysts have a Buy rating on Ujjivan Small Finance Bank?\">Which analysts have a Buy rating on Ujjivan Small Finance Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#What_were_Ujjivan_Small_Finance_Bank_Q3_FY26_results\" title=\"What were Ujjivan Small Finance Bank Q3 FY26 results?\">What were Ujjivan Small Finance Bank Q3 FY26 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#When_do_TCS_and_Infosys_announce_Q4_results_2026\" title=\"When do TCS and Infosys announce Q4 results 2026?\">When do TCS and Infosys announce Q4 results 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Is_Ujjivan_Small_Finance_Bank_a_good_investment_ahead_of_Q4_results\" title=\"Is Ujjivan Small Finance Bank a good investment ahead of Q4 results?\">Is Ujjivan Small Finance Bank a good investment ahead of Q4 results?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/univest.in\/blogs-2\/ujjivan-small-finance-bank-q4-results-2026-date-revenue-pat-amp-analyst-outlook\/#Recent_Article\" title=\"Recent Article\">Recent Article<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ujjivan_Small_Finance_Bank_Q4_Results_2026_Date\"><\/span><strong>Ujjivan Small Finance Bank Q4 Results 2026 Date<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>Get free investment predictions and live Q4 result alerts on <a href=\"https:\/\/univest.in\/user\/log-in\">Univest<\/a>.<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Results Date<\/strong><\/td><td><strong>Article<\/strong><\/td><\/tr><tr><td>TCS<\/td><td>April 9, 2026<\/td><td>Preview on Univest<\/td><\/tr><tr><td>Infosys<\/td><td>April 23, 2026<\/td><td>Preview on Univest<\/td><\/tr><tr><td>Ujjivan Small Finance Bank<\/td><td>May 2026 (Expected)<\/td><td>This article<\/td><\/tr><\/tbody><\/table><\/figure><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_This_Quarter_Matters\"><\/span><strong>Why This Quarter Matters<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>Ujjivan Small Finance Bank enters Q4 FY26 with expectations of Loan growth 14-18% YoY. Q4 determines full-year FY26 performance, sets FY27 estimate baselines, and triggers final dividend announcements. At a 1-year return of -34%, this quarter&#8217;s results and FY27 guidance will be critical for determining whether the stock can sustain recovery momentum.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ujjivan_Small_Finance_Bank_Q4_FY26_Earnings_Estimates\"><\/span><strong>Ujjivan Small Finance Bank Q4 FY26 Earnings Estimates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13163951\/Ujjain-Small-Finance-Bank-Q4-FY26-Estimates-1024x536.jpg\" alt=\"Ujjivan Small Finance Bank Q4 FY26 Earnings Estimates\" class=\"wp-image-70340\" srcset=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13163951\/Ujjain-Small-Finance-Bank-Q4-FY26-Estimates-1024x536.jpg 1024w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13163951\/Ujjain-Small-Finance-Bank-Q4-FY26-Estimates-300x157.jpg 300w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13163951\/Ujjain-Small-Finance-Bank-Q4-FY26-Estimates-768x402.jpg 768w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13163951\/Ujjain-Small-Finance-Bank-Q4-FY26-Estimates-900x471.jpg 900w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13163951\/Ujjain-Small-Finance-Bank-Q4-FY26-Estimates-600x314.jpg 600w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13163951\/Ujjain-Small-Finance-Bank-Q4-FY26-Estimates-150x79.jpg 150w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13163951\/Ujjain-Small-Finance-Bank-Q4-FY26-Estimates.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><p>Ujjivan Small Finance Bank Q4 FY26 analyst estimates. Source: MOFSL, YES Securities, JM Financial.<\/p><p>Access premium SEBI-registered research on <a href=\"https:\/\/univest.in\/user\/log-in\">Univest<\/a>.<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Metric<\/strong><\/td><td><strong>Q3 FY26 Actual<\/strong><\/td><td><strong>Q4 FY26 Estimate<\/strong><\/td><td><strong>Driver<\/strong><\/td><\/tr><tr><td>Revenue<\/td><td>Rs 1,476 Cr<\/td><td>Rs 1,540-1,650 Cr<\/td><td>Volume + pricing<\/td><\/tr><tr><td>PAT<\/td><td>Rs 233 Cr<\/td><td>Rs 220-270 Cr<\/td><td>Operating leverage<\/td><\/tr><tr><td>Margin<\/td><td>NIM 9.04%<\/td><td>NIM 8.5-9.2%<\/td><td>Cost control<\/td><\/tr><tr><td>Key Growth Metric<\/td><td>Q3 trend<\/td><td>Loan growth 14-18% YoY<\/td><td>Management execution<\/td><\/tr><tr><td>Dividend Estimate<\/td><td>\u2014<\/td><td>Rs 0.5-1 per share<\/td><td>Board recommendation<\/td><\/tr><\/tbody><\/table><\/figure><p>Screen <a href=\"https:\/\/univest.in\/screeners\">Ujjivan Small Finance Bank fundamentals<\/a> on <a href=\"https:\/\/univest.in\/screeners\">Univest Screener<\/a>.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Key_Factors_That_Will_Drive_Ujjivan_Small_Finance_Bank_Q4_FY26_Performance\"><\/span><strong>5 Key Factors That Will Drive Ujjivan Small Finance Bank Q4 FY26 Performance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Revenue_Momentum\"><\/span><strong>Revenue Momentum<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Analysts expect Rs 1,540-1,650 Cr in Q4 FY26 revenue versus Rs 1,476 Cr in Q3. Q4 is seasonally important for the Banking\/SFB sector and the ability to convert the pipeline into recognised revenue will be the first performance test.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Margin_Trajectory\"><\/span><strong>Margin Trajectory<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Q4 FY26 margin expectations are NIM 8.5-9.2% versus NIM 9.04% in Q3. Input cost trends, employee expenses, and pricing power will determine whether the company can sustain or improve on Q3 levels.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"PAT_Quality\"><\/span><strong>PAT Quality<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Net profit is estimated at Rs 220-270 Cr. Investors will assess whether PAT is driven by operational improvement or non-recurring items. A clean recurring profit print is most positively received by institutional investors.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Management_Guidance_for_FY27\"><\/span><strong>Management Guidance for FY27<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>The most consequential output will be FY27 guidance \u2014 revenue growth bands, margin targets, and capex plans. In the current global macro environment, credible FY27 guidance carries significant weight for the stock&#8217;s re-rating potential.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dividend_Declaration\"><\/span><strong>Dividend Declaration<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Ujjivan Small Finance Bank is expected to consider a final dividend of Rs 0.5-1 per share. The quantum signals management&#8217;s confidence in free cash flow generation and sets expectations for FY27 capital allocation strategy.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Risks_to_Watch_in_Ujjivan_Small_Finance_Bank_Q4_FY26\"><\/span><strong>5 Risks to Watch in Ujjivan Small Finance Bank Q4 FY26<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"US_Tariff_and_Macro_Headwinds\"><\/span><strong>US Tariff and Macro Headwinds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>The 26% US reciprocal tariff on Indian goods has created macro uncertainty. For Ujjivan Small Finance Bank, indirect impacts include FII outflows and earnings estimate cuts if global demand slows. India-US trade negotiations remain the most important macro catalyst.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Earnings_Miss_Risk\"><\/span><strong>Earnings Miss Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>If Ujjivan Small Finance Bank&#8217;s Q4 FY26 results miss estimates, the stock could correct sharply. Investors should monitor revenue versus Rs 1,540-1,650 Cr and PAT versus Rs 220-270 Cr as the two primary watchpoints.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FY27_Guidance_Below_Consensus\"><\/span><strong>FY27 Guidance Below Consensus<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>If FY27 guidance falls below Street expectations, the stock may decline even if Q4 numbers are in line. Forward guidance carries more weight than the reported quarter in the current environment.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FII_Outflow_Continuation\"><\/span><strong>FII Outflow Continuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>FIIs sold Rs 22,000 crore in Indian equities in a single week following the tariff announcement. Continued selling would create headwinds for Ujjivan Small Finance Bank regardless of company-specific fundamentals.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sector_Regulatory_Risk\"><\/span><strong>Sector Regulatory Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>The Banking\/SFB sector faces evolving regulatory frameworks. Policy changes that increase compliance costs or alter competitive dynamics could affect Ujjivan Small Finance Bank&#8217;s profitability beyond current consensus models.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ujjivan_Small_Finance_Bank_Share_Price_and_Analyst_Ratings\"><\/span><strong>Ujjivan Small Finance Bank Share Price and Analyst Ratings<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13164035\/Ujjain-Small-Finance-Bank-Share-Price-Snapshot-1024x536.jpg\" alt=\"Ujjivan Small Finance Bank Share Price and Analyst Ratings\" class=\"wp-image-70342\" srcset=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13164035\/Ujjain-Small-Finance-Bank-Share-Price-Snapshot-1024x536.jpg 1024w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13164035\/Ujjain-Small-Finance-Bank-Share-Price-Snapshot-300x157.jpg 300w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13164035\/Ujjain-Small-Finance-Bank-Share-Price-Snapshot-768x402.jpg 768w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13164035\/Ujjain-Small-Finance-Bank-Share-Price-Snapshot-900x471.jpg 900w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13164035\/Ujjain-Small-Finance-Bank-Share-Price-Snapshot-600x314.jpg 600w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13164035\/Ujjain-Small-Finance-Bank-Share-Price-Snapshot-150x79.jpg 150w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13164035\/Ujjain-Small-Finance-Bank-Share-Price-Snapshot.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><p>Ujjivan Small Finance Bank share price snapshot and analyst ratings. Source: Brokerages, NSE data.<\/p><p>Ujjivan Small Finance Bank is trading at Rs 38 as of early April 2026, against a 52-week high of Rs 60 and 52-week low of Rs 30. Market cap stands at Rs 7,100 Cr.<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Brokerage<\/strong><\/td><td><strong>Rating<\/strong><\/td><td><strong>Target Price<\/strong><\/td><td><strong>Thesis<\/strong><\/td><\/tr><tr><td>MOFSL<\/td><td>Neutral<\/td><td>Rs 50<\/td><td>MFI stress headwind; NIM pressure<\/td><\/tr><tr><td>YES Securities<\/td><td>Buy<\/td><td>Rs 55<\/td><td>Post-stress recovery; CASA building<\/td><\/tr><tr><td>JM Financial<\/td><td>Add<\/td><td>Rs 52<\/td><td>SFB well-capitalised + retail loan<\/td><\/tr><tr><td>Emkay<\/td><td>Neutral<\/td><td>Rs 48<\/td><td>Watch MFI + credit cost next 2 quarters<\/td><\/tr><\/tbody><\/table><\/figure><p>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Ujjivan Small Finance Bank live and receive real-time Q4 result alerts.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>Ujjivan Small Finance Bank Q4 FY26 results on May 2026 (Expected) will be a key event for investors monitoring the Banking\/SFB sector. Analysts project PAT of Rs 220-270 Cr and revenue of Rs 1,540-1,650 Cr. At a CMP of Rs 38 with analyst targets from Rs 48 to Rs 50, FY27 guidance will be the most critical post-results catalyst.<\/p><p>For more Q4 FY26 previews, visit <a href=\"https:\/\/univest.in\/blogs\">Univest Blogs<\/a>.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_Ujjivan_Small_Finance_Bank_Q4_results_2026_date\"><\/span><strong>What is the Ujjivan Small Finance Bank Q4 results 2026 date?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>The Ujjivan Small Finance Bank Q4 results 2026 date is May 2026 (Expected). The board will meet to approve audited Q4 FY26 financials and consider a final dividend recommendation.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_Ujjivan_Small_Finance_Bank_Q4_FY26_PAT_estimate\"><\/span><strong>What is the Ujjivan Small Finance Bank Q4 FY26 PAT estimate?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Analysts estimate Ujjivan Small Finance Bank Q4 FY26 PAT at Rs 220-270 Cr, based on revenue of Rs 1,540-1,650 Cr and margin of NIM 8.5-9.2%.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Ujjivan_Small_Finance_Banks_share_price_ahead_of_Q4_results\"><\/span><strong>What is Ujjivan Small Finance Bank&#8217;s share price ahead of Q4 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Ujjivan Small Finance Bank is trading at Rs 38. The 52-week high is Rs 60 and low is Rs 30. The 1-year return is -34% and market cap is Rs 7,100 Cr.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Will_Ujjivan_Small_Finance_Bank_declare_a_dividend_in_Q4_FY26\"><\/span><strong>Will Ujjivan Small Finance Bank declare a dividend in Q4 FY26?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Ujjivan Small Finance Bank is expected to consider a final dividend of Rs 0.5-1 per share at the Q4 FY26 board meeting on May 2026 (Expected).<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_analysts_have_a_Buy_rating_on_Ujjivan_Small_Finance_Bank\"><\/span><strong>Which analysts have a Buy rating on Ujjivan Small Finance Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>YES Securities (Buy, Rs 55), JM Financial (Add, Rs 52) have positive ratings heading into Q4 FY26.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_were_Ujjivan_Small_Finance_Bank_Q3_FY26_results\"><\/span><strong>What were Ujjivan Small Finance Bank Q3 FY26 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Ujjivan Small Finance Bank reported Q3 FY26 revenue of Rs 1,476 Cr and PAT of Rs 233 Cr, with margin at NIM 9.04%. These form the baseline for Q4 FY26 consensus estimates.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_do_TCS_and_Infosys_announce_Q4_results_2026\"><\/span><strong>When do TCS and Infosys announce Q4 results 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>TCS declared Q4 FY26 results on April 9, 2026. Infosys Q4 FY26 results are scheduled for April 23, 2026. Read both previews on Univest Blogs.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_Ujjivan_Small_Finance_Bank_a_good_investment_ahead_of_Q4_results\"><\/span><strong>Is Ujjivan Small Finance Bank a good investment ahead of Q4 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>This depends on your risk appetite and portfolio context. Ujjivan Small Finance Bank has compelling long-term factors alongside genuine near-term risks. Consult a SEBI-registered financial advisor before investing.<\/p><p><strong>Disclaimer: <\/strong>Investment in the share market is subject to risk. This article is for informational and educational purposes only. All financial data and analyst estimates are sourced from publicly available information. Verify before investing. Consult a SEBI-registered advisor before making investment decisions.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recent_Article\"><\/span><strong>Recent Article<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p><a href=\"https:\/\/univest.in\/blogs\/mphasis-q4-results-2026\">Mphasis Q4 Results 2026: Date, Revenue Estimates, Key Catalysts &amp; Share Price Target<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/mastek-q4-results-2026\">Mastek Q4 Results 2026: Date, Revenue Estimates, Key Catalysts &amp; Share Price Target<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/cyient-q4-results-2026\">Cyient Q4 Results 2026: Date, Revenue Estimates, Key Catalysts &amp; Share Price Target<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/kpit-technologies-q4-results-2026\">KPIT Technologies Q4 Results 2026: Date, Revenue Estimates, Key Catalysts &amp; Share Price Target<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/zensar-technologies-q4-results-2026\">Zensar Technologies Q4 Results 2026: Date, Revenue Estimates, Key Catalysts &amp; Share Price Target<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Ujjivan Small Finance Bank (NSE: UJJIVANSFB) is preparing to announce its Q4 FY26 financial results for the period ended March 31, 2026. The board of directors is scheduled to meet on May 2026 (Expected) to approve the audited statements and consider a final dividend recommendation. With the stock at Rs 38 \u2014 against a 52-week<\/p>\n","protected":false},"author":27,"featured_media":70334,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[3802,3862],"class_list":["post-70328","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-news","tag-q4-results-expectations"],"metadata":{"_edit_lock":["1776079132:27"],"_last_editor_used_jetpack":["block-editor"],"rank_math_internal_links_processed":["1"],"amazonS3_cache":["a:8:{s:95:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/04\/Ujjain-Small-Finance-Bank-Q4-FY26-Estimates.jpg\";a:2:{s:2:\"id\";i:70340;s:11:\"source_type\";s:13:\"media-library\";}s:104:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/04\/Ujjain-Small-Finance-Bank-Q4-FY26-Estimates-1024x536.jpg\";a:2:{s:2:\"id\";i:70340;s:11:\"source_type\";s:13:\"media-library\";}s:127:\"\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13163951\/Ujjain-Small-Finance-Bank-Q4-FY26-Estimates.jpg\";a:2:{s:2:\"id\";i:70340;s:11:\"source_type\";s:13:\"media-library\";}s:136:\"\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13163951\/Ujjain-Small-Finance-Bank-Q4-FY26-Estimates-1024x536.jpg\";a:2:{s:2:\"id\";i:70340;s:11:\"source_type\";s:13:\"media-library\";}s:98:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/04\/Ujjain-Small-Finance-Bank-Share-Price-Snapshot.jpg\";a:2:{s:2:\"id\";i:70342;s:11:\"source_type\";s:13:\"media-library\";}s:107:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/04\/Ujjain-Small-Finance-Bank-Share-Price-Snapshot-1024x536.jpg\";a:2:{s:2:\"id\";i:70342;s:11:\"source_type\";s:13:\"media-library\";}s:130:\"\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13164035\/Ujjain-Small-Finance-Bank-Share-Price-Snapshot.jpg\";a:2:{s:2:\"id\";i:70342;s:11:\"source_type\";s:13:\"media-library\";}s:139:\"\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/13164035\/Ujjain-Small-Finance-Bank-Share-Price-Snapshot-1024x536.jpg\";a:2:{s:2:\"id\";i:70342;s:11:\"source_type\";s:13:\"media-library\";}}"],"rank_math_primary_category":["842"],"rank_math_seo_score":["76"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"],"rank_math_title":["Ujjivan Small Finance Bank Q4 Results 2026: Date, Revenue, PAT &amp; Analyst Outlook"],"rank_math_description":["Ujjivan Small Finance Bank Q4 results May 2026 (Expected). PAT estimate Rs 220-270 Cr, margin NIM 8.5-9.2%. Full Q4 FY26 preview with analyst targets.\n"],"rank_math_focus_keyword":["Ujjivan Small Finance 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