BSE: 511507 | NSE: | Finance - NBFC | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Ushakiran Finance Ltd is a below average quality company.
The key valuation ratios of Ushakiran Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Ushakiran Finance Ltd is likely to Fall 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'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 0.2 | 0.2 | 0.1 | 0.3 | 0.3 | 0.3 | 0.2 | 0.5 | 0.4 | 0.4 | 0 | |
| YoY Gr. Rt. % | - | -11.8% | -26.7% | 190.9% | -18.8% | 3.9% | -18.5% | 113.6% | -23.4% | 8.3% | - | |
| Adj EPS (₹ ) | -0.1 | 0.2 | -0.1 | 1.2 | 0.5 | -0.1 | -0.4 | 1 | 0.8 | 0.5 | 0.6 | |
| YoY Gr. Rt. % | - | NA | -126.1% | NA | -61.2% | -113.3% | NA | NA | -23.3% | -32.9% | - | |
| BVPS (₹ ) | 6.1 | 6.4 | 6.3 | 7.5 | 7.9 | 21.9 | 16.7 | 25.8 | 47.7 | 45 | 58.2 | |
| YoY Gr. Rt. % | - | 3.8% | -0.9% | 18.4% | 6.2% | 176.3% | -23.8% | 54.7% | 84.8% | -5.7% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | -1 | 2.2 | -0.6 | 12.7 | 4.6 | -0.4 | -1.9 | 4.7 | 2.1 | 1.1 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 9.7% | 8.5% | 21% | 8.3% | ||||||||
| Adj EPS | NA | 3.3% | NA | -32.9% | ||||||||
| BVPS | 24.8% | 41.5% | 39.2% | -5.7% | ||||||||
| Share Price | 19.5% | 39.2% | 84.7% | 36.2% | ||||||||
| RATIOS \ YEARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | 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 (%) | -15.7 | 39.7 | -13.4 | 91.9 | 43.7 | -5.7 | -43.1 | 56.3 | 55.7 | 34.6 | 32.9 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | -1.7 | 3.7 | -0.9 | 16.8 | 5.9 | -0.4 | -1.9 | 4.9 | 2.1 | 1.2 | 1 | |
Total Income has increased 21.03 CAGR in last 3 years
Return on Equity has declined versus last 3 years average to 1.10%
Net Profit has declined 0.00 CAGR in last 3 years
Total income growth is poor in last 4 quarters
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 0.6 | - |
| TTM Sales (₹ Cr.) | 0.4 | - |
| BVPS (₹.) ⓘ | 58.2 | - |
| Reserves (₹ Cr.) ⓘ | 12 | - |
| P/BV ⓘ | 0.40 | - |
| PE ⓘ | 41.52 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 17.25 / 27.84 |
| All Time Low / High (₹) | 1.58 / 74.10 |
| Market Cap (₹ Cr.) | 6 |
| Equity (₹ Cr.) | 2.5 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 31.3 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 0.20 | 0.28 | 0.73 | 0.50 | 0.45 | 0.28 | 0.26 | 0.47 | 0.36 | 0.43 |
| Interest Income | 0.17 | 0.15 | 0.11 | 0.32 | 0.26 | 0.27 | 0.22 | 0.47 | 0.36 | 0.39 |
| Other Income ⓘ | 0.03 | 0.13 | 0.62 | 0.18 | 0.18 | 0 | 0.04 | 0.01 | 0 | 0.04 |
| Expenditure ⓘ | 0.23 | 0.21 | 0.78 | 0.18 | 0.24 | 0.28 | 0.35 | 0.20 | 0.25 | 0.36 |
| Interest Expense ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Expenses ⓘ | 0.10 | 0.14 | 0.14 | 0.14 | 0.14 | 0.16 | 0.19 | 0.20 | 0.21 | 0.27 |
| Provisions | 0.13 | 0.07 | 0.63 | 0.04 | 0.10 | 0.12 | 0.17 | 0 | 0.04 | 0.09 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | -0.03 | 0.07 | -0.05 | 0.33 | 0.20 | 0 | -0.09 | 0.27 | 0.12 | 0.07 |
| Taxes ⓘ | 0 | 0.02 | -0.03 | 0.03 | 0.09 | 0.01 | 0 | 0.01 | -0.08 | -0.07 |
| Profit After Tax | -0.03 | 0.06 | -0.01 | 0.29 | 0.12 | -0.02 | -0.09 | 0.26 | 0.20 | 0.14 |
| Adjusted EPS (₹) | -0.1 | 0.2 | -0.1 | 1.2 | 0.5 | -0.1 | -0.4 | 1.0 | 0.8 | 0.5 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 1.76 | 1.82 | 1.81 | 2.10 | 2.22 | 5.77 | 4.45 | 6.77 | 12.34 | 11.65 |
| Share Capital ⓘ | 2.75 | 2.75 | 2.75 | 2.75 | 2.75 | 2.75 | 2.75 | 2.75 | 2.75 | 2.75 |
| Reserves ⓘ | -0.98 | -0.93 | -0.94 | -0.65 | -0.53 | 3.02 | 1.70 | 4.02 | 9.59 | 8.90 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 0.86 | 0.81 | 0.35 | 0.37 | 0.30 | -0.01 | 0 | 0 | -0.10 | -0.19 |
| Current Liabilities | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.03 | 0.02 | 0.02 |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short term borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Liabilities ⓘ | 2.63 | 2.65 | 2.16 | 2.48 | 2.52 | 5.77 | 4.46 | 6.79 | 12.25 | 11.48 |
Assets | ||||||||||
| Non Current Asset | 1.31 | 1.28 | 0.80 | 0.87 | 0.92 | 4.57 | 3.15 | 5.46 | 11.13 | 10.47 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 1.31 | 1.28 | 0.80 | 0.87 | 0.92 | 4.57 | 3.15 | 5.46 | 11.13 | 10.47 |
| Current Asset | 1.33 | 1.37 | 1.36 | 1.61 | 1.60 | 1.20 | 1.30 | 1.33 | 1.12 | 1.01 |
| Current Investment | 0.03 | 0.03 | 0 | 0.14 | 0.17 | 0 | 0 | 0 | 0 | 0 |
| Other Current Asset | 1.30 | 1.33 | 1.36 | 1.47 | 1.43 | 1.20 | 1.30 | 1.33 | 1.12 | 1.01 |
| Total Assets ⓘ | 2.63 | 2.65 | 2.16 | 2.48 | 2.52 | 5.77 | 4.46 | 6.79 | 12.25 | 11.48 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 0.16 | -0.57 | -0.11 | 0.49 | 0.24 | 0.15 | -0.42 | 0.04 | 0.40 | 0.27 |
| Cash Flow From Investing Activity ⓘ | -0.06 | 0.53 | 0.51 | -0.32 | -0.32 | 0.16 | 0.09 | -0.02 | -0.23 | -0.18 |
| Cash Flow From Financing Activity ⓘ | 0 | -0.06 | -0.43 | 0.04 | -0.10 | 0 | 0 | 0 | 0 | 0 |
| Net Cash Flow ⓘ | 0.10 | -0.10 | -0.03 | 0.20 | -0.18 | 0.31 | -0.33 | 0.02 | 0.17 | 0.09 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 1 | 1 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 6 | 6 | 6 | 7 | 8 | 22 | 17 | 26 | 48 | 45 |
Performance Ratios | ||||||||||
| ROA (%) | -1.0 | 2.2 | -0.6 | 12.7 | 4.6 | -0.4 | -1.9 | 4.7 | 2.1 | 1.1 |
| ROE (%) | -1.7 | 3.7 | -0.9 | 16.8 | 5.9 | -0.4 | -1.9 | 4.9 | 2.1 | 1.2 |
| ROCE (%) | -1.5 | 4.2 | -2.5 | 16.9 | 9.5 | 0.0 | -1.8 | 4.9 | 1.2 | 0.6 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.0 | 1.0 | 0.0 | 0.6 | 0.5 | 0.2 | 0.0 | 0.2 | 0.6 | 0.4 |
Ushakiran Finance was incorporated on March 20, 1986. The company’s progress in all its activities had been very good and encouraging. The company obtained Category I Merchant Banker registration from SEBI with effect from May 16, 1995. The company proposes to commence merchant banking activities and step up leasing, hire purchase and also non fund based activities.
The registered office of the company is located at 405, Raghava Ratna Towers, Chirag Ali Lane Hyderabad, Andhra Pradesh-500001.
Business area of the company
The company is engaged in the business of leasing, dealing in shares etc.
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Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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