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Upasana Finance Ltd. Stock Analysis

Small Cap
Evaluated by 69 users | BSE: 511764 | NSE: |
Finance - NBFC
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...

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'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Operating Income (Rs. Cr.)0.613.81.42.61.81.31.31.11.1
Y-o-Y Gr. Rt.-61.3%277%-63.4%91.3%-33.7%-27.4%5.5%-19.4%-1.9%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
1.191.765.511.623.721.851.061.380.661.02
Y-o-Y Gr. Rt.-47.9%213.1%-70.6%129.6%-50.3%-42.7%30.2%-52.2%54.6%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
12.9114.6720.1821.825.5227.3628.4229.830.4631.48
Y-o-Y Gr. Rt.-13.6%37.6%8%17.1%7.2%3.9%4.9%2.2%3.4%
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%): Colour Rating Guide
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1: Not Good
Net Profit/Total Funds (%)9.312.4731.137.615.496.883.734.582.143.25
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
Upasana Finance Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Operating Income6.1%-16.7%-5.9%-1.9%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-1.7%-22.8%-1.3%54.6%
Book Value per Share
10.4%4.3%3.5%3.4%
Share Price -8.8% -1.2% -20.8% -48.4%
Key Financial Ratios
RATIOS \ YEARSMar'10Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19
Asset Quality Ratio
To view Asset Quality Ratio Colour Rating Guide click here
Asset Quality Ratio: Colour Rating Guide
  • <0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1 : Not Good
Net NPA to Net Advances (%)0000000000
Capitalization Ratio
To view Capitalization Ratio Colour Rating Guide click here
Capitalization Ratio: Colour Rating Guide
  • >17% : Very Good
  • 15%-17% : Somewhat Good
  • <15% : Not Good
Capital Adequacy Ratio (%)0000000000
Margins
Net Profit Margin (%) 81.9275.4162.5850.2560.2745.2435.5644.0126.1641.33
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15 : Very Good
  • 12-15 : Somewhat Good
  • <12 : Not Good
Return on Equity (%) 9.6212.7431.627.7215.726.993.84.722.23.3
Entity Percentage Holding
Promoters 52.67%
Non-Institutions 47.33%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)
Data is not available for this company.

The 5-year analysis of Upasana Finance's performance infers:

Upasana Finance earnings have declined by -22.8%, whereas share price has depreciated -1.2% CAGR over the past five years, indicating the company's share price is likely overvalued. However, for specific investment actions please connect with your investment advisor.

We analysed the performance of Upasana Finance share prices over the last 10 years. Here is what we found out:

Upasana Finance share price has depreciated -10.7% annually over the past ten years.

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

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.

Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323
Research Analyst - INH000000719

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