Is Upasana Finance Ltd. a good quality company?

MoneyWorks4Me analysed the past 10-year performance of Upasana Finance Ltd. and arrived at the following conclusion.

Is the current market price of Upasana Finance Ltd. a good price to buy it?

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

What is Upasana Finance Ltd. share price return in the past 10 years?

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

What is CAGR? What does CAGR table indicate for Upasana Finance Ltd.?

Compounded average growth rate (CAGR) measures the average annual growth rate compounded year-on-year over a period of time.

Upasana Finance Ltd. Stock Analysis

Small Cap

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

10 Year X-Ray

Standalone basis Standalone basis P Consolidated basis

Analysis of Financial Track Record

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

What is a Financial Track Record? How to read this chart in order to understand the data present here?

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'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Operating Income (Rs. Cr.)	0.6	1	3.8	1.4	2.6	1.8	1.3	1.3	1.1	1.1
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	1.19	1.76	5.51	1.62	3.72	1.85	1.06	1.38	0.66	1.02
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	12.91	14.67	20.18	21.8	25.52	27.36	28.42	29.8	30.46	31.48
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 (%)

9.3

12.47

31.13

7.6

15.49

6.88

3.73

4.58

2.14

3.25

Difference between Standalone Basis and Consolidated basis? Which method is preferred for Upasana Finance Ltd. ?

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 Income	6.1%	-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 \ YEARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'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 (%)	0	0	0	0	0	0	0	0	0	0
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 (%)	0	0	0	0	0	0	0	0	0	0
Margins
Net Profit Margin (%)	81.92	75.41	62.58	50.25	60.27	45.24	35.56	44.01	26.16	41.33
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 (%)	9.62	12.74	31.62	7.72	15.72	6.99	3.8	4.72	2.2	3.3

Management X-Ray

Shareholding Pattern

Entity	Percentage Holding
Promoters	52.67%
Non-Institutions	47.33%

Promoter's Holding & Share Pledging

Pledged ^*

0.00

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

FAQs

1. Is Upasana Finance a good quality company?

Data is not available for this company.

2. Is current market price of Upasana Finance a good price to buy it?

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.

3. What is Upasana Finance share price return in the past 10 years ?

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.

About Company

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 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 Less