BSE: 511764 | NSE: | Finance - NBFC | Small Cap
1. Is Upasana Finance Ltd a good quality company?
Data is not available for this company.
2. Is Upasana Finance Ltd undervalued or overvalued?
The key valuation ratios of Upasana Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
3. Is Upasana Finance Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Upasana Finance Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 3.8 | 1.4 | 2.6 | 1.8 | 1.3 | 1.3 | 1.1 | 1.1 | 1.3 | 0.6 | 1 | |
| YoY Gr. Rt. % | - | -63.4% | 91.3% | -33.7% | -27.4% | 5.5% | -19.4% | -1.9% | 21.7% | -52.7% | - | |
| Adj EPS (₹ ) | 5.5 | 1.6 | 3.7 | 1.9 | 1.1 | 1.4 | 0.7 | 1 | 0.1 | 1.1 | 2 | |
| YoY Gr. Rt. % | - | -70.6% | 129.6% | -50.3% | -42.7% | 30.2% | -52.2% | 54.6% | -93.1% | 1500% | - | |
| BVPS (₹ ) | 20.2 | 21.8 | 25.5 | 27.4 | 28.4 | 29.8 | 30.5 | 31.5 | 31.6 | 32.7 | 33.9 | |
| YoY Gr. Rt. % | - | 8% | 17.1% | 7.2% | 3.9% | 4.9% | 2.2% | 3.4% | 0.2% | 3.6% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 31.1 | 7.6 | 15.5 | 6.9 | 3.7 | 4.6 | 2.1 | 3.3 | 0.2 | 3.4 | 0 | |
CAGR ⓘCAGR Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | -18.3% | -13.6% | -17.3% | -52.7% | ||||||||
| Adj EPS | -16.2% | 1.1% | 19.3% | 1500% | ||||||||
| BVPS | 5.5% | 2.8% | 2.4% | 3.6% | ||||||||
| Share Price | -8.8% | -6.1% | -33.1% | 1.1% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | TTM | |
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 62.6 | 50.3 | 60.3 | 45.2 | 35.6 | 44 | 26.2 | 41.3 | 2.3 | 78.3 | 74.1 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 31.6 | 7.7 | 15.7 | 7 | 3.8 | 4.7 | 2.2 | 3.3 | 0.2 | 3.5 | 6 | |
Return on Equity has increased versus last 3 years average to 6.00%
Net Profit has increased 19.28 CAGR in last 3 years
Total income growth is good in last 4 quarters
Total Income has declined 56.07 CAGR in last 3 years
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 2 | - |
| TTM Sales (₹ Cr.) | 1.2 | - |
| BVPS (₹.) ⓘ | 33.9 | - |
| Reserves (₹ Cr.) ⓘ | 10 | - |
| P/BV ⓘ | 0.46 | - |
| PE ⓘ | 7.93 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 10.70 / 22.15 |
| All Time Low / High (₹) | 3.00 / 69.95 |
| Market Cap (₹ Cr.) | 6.7 |
| Equity (₹ Cr.) | 4.3 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 38.7 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Upasana Finance Ltd. (UFL) was incorporated under the Companies Act, 1956 in the year 1985 with its Registered Office at Chennai, Tamil Nadu, India. It was promoted by the members of the TVS Family on January 25, 1985, under the name of Upaasana Finance Private Limited with a share capital of Rs 5 lacs. Subsequently it became a Deemed Public Company and the share capital increased to Rs 30 lacs. The total holding of the promoters stands at Rs 3 crores as on date.
The name of the Company was changed to 'Upasana Finance Limited' with effect from 09.01.1995. In the year 1995, UFL issued Equity Shares of Rs 10 each to public. UFL Equity Shares are listed in Bombay Stock Exchange (BSE) and Madras Stock Exchange (MSE).
Presently, UFL is registered with Reserve Bank of India as a Non-Deposit taking Non Banking Financial Company (NBFC- ND) and having a valid Certificate of Registration. At present, UFL is concentrating mainly on recovery of past dues of non-performing assets.
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