Upasana Finance Ltd Stock Analysis

BSE: 511764 | NSE: | Finance - NBFC | Small Cap

BSE Share Price Jan 25, 18:01
15.75 -0.35 (-2.17%)

DeciZen - Make an Informed Decision on Upasana Finance

M-Cap below 100cr DeciZen not available

FAQ's

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.

10 Year X-Ray of Upasana Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Operating Income (₹ Cr.)3.81.42.61.81.31.31.11.11.30.61
YoY Gr. Rt. %--63.4%91.3%-33.7%-27.4%5.5%-19.4%-1.9%21.7%-52.7%-
Adj EPS (₹ ) 5.51.63.71.91.11.40.710.11.12
YoY Gr. Rt. %--70.6%129.6%-50.3%-42.7%30.2%-52.2%54.6%-93.1%1500%-
BVPS (₹ )20.221.825.527.428.429.830.531.531.632.733.9
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 (%)31.17.615.56.93.74.62.13.30.23.40

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%
BVPS5.5%2.8%2.4%3.6%
Share Price -8.8% -6.1% -33.1% 1.1%

Key Financial Ratios

RATIOS \ YEARSMar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)62.650.360.345.235.64426.241.32.378.374.1
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)31.67.715.773.84.72.23.30.23.56

Recent Performance Summary

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

Latest Financials - Upasana Finance Ltd.

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

Management X-Ray of Upasana Finance :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

Analyst's Notes

News

About Upasana Finance Ltd

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.

Read More Read Less