1. Is Ujjivan Financial Services Ltd a good quality company?
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Ujjivan Financial Services Ltd is a below average quality company.
2. Is Ujjivan Financial Services Ltd undervalued or overvalued?
The key valuation ratios of Ujjivan Financial Services Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
3. Is Ujjivan Financial Services Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Ujjivan Financial Services Ltd is likely to Rise 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.
|Operating Income (₹ Cr.)||0||0||0||0||1,349||1,519||1,944||2,860||3,066||2,995||3,604|
|YoY Gr. Rt. %||-||NA||NA||NA||NA||12.6%||28%||47.1%||7.2%||-2.3%||-|
|Adj EPS (₹ )||0||0||0||0||17.4||2.2||12.4||23.2||-16.3||-15.8||37.1|
|YoY Gr. Rt. %||-||NA||NA||NA||NA||-87.6%||477.7%||86.9%||-170.4%||NA||-|
|BVPS (₹ )||0||0||0||0||146.9||141.7||152.3||228.6||200.1||185.4||237.4|
|YoY Gr. Rt. %||-||NA||NA||NA||NA||-3.6%||7.5%||50.1%||-12.5%||-7.3%||-|
|To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ|
|Net Profit/Total Funds (%)||0||0||0||0||2.4||0.3||1.3||1.8||-1.2||-1.1||0|
CAGR ⓘCAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||NA||17.3%||15.5%||-2.3%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'12||Mar'13||Mar'14||Mar'15||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||Mar'22||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||-|
|Net Profit Margin (%)||0||0||0||0||15.4||1.7||7.7||10.4||-7.8||-7.7||12.5|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||0||0||0||0||11.8||1.5||8.5||12.9||-9.2||-9.8||15.6|
Return on Equity has increased versus last 3 years average to 17.50%
Total Income has increased 15.49 CAGR in last 3 years
Total income growth is good in last 4 quarters
Net Profit has declined -208.24 CAGR in last 3 years
|TTM EPS (₹)||0.2||37.1|
|TTM Sales (₹ Cr.)||0||3,604|
|BVPS (₹.) ⓘ||148.5||237.4|
|Reserves (₹ Cr.) ⓘ||1,686||2,766|
|From the Market|
|52 Week Low / High (₹)||96.10 / 313.30|
|All Time Low / High (₹)||96.10 / 547.00|
|Market Cap (₹ Cr.)||3,481|
|Equity (₹ Cr.)||121.7|
|Face Value (₹)||10|
|Industry PE ⓘ||4.3|
Ujjivan Financial Services Ltd. (UFSL) started operations as an NBFC in 2005 with the mission of providing a full range of financial services to the economically active poor who are not adequately served by financial institutions. It was the largest MFI in the country in terms of geographical spread having its operations was spread many states and union territories, and districts across India.
The company was the largest MFI in the country in terms of geographical spread having its operations was spread across vary states and union territories, and many districts across India. Ujjivan's erstwhile business was primarily based on the joint liability group lending model for providing collateral free, small ticket-size loans to economically active poor women. It had also offered individual loans to Micro & Small Enterprises (MSEs). Ujjivan had adopted an integrated approach to lending, which combines a high customer touch-point typical of microfinance, with the technology infrastructure and related back-end support functions similar to that of a retail bank.
Business area of the company
The company offers a diverse range of loan products to cater to the specific requirements of its customers. Its products can be classified under two broad categories, namely, group loans and individual loans. Depending upon the end use, these products can be further sub-divided into agricultural, education, home improvement, home purchase and livestock loans. All of its assets under management (AUM) fall under the priority sector lending norms prescribed by the RBI. In addition to loan products, the company also provides non-credit offerings comprising of life insurance products, in partnership with insurance providers such as Bajaj Allianz Life Insurance Company, Kotak Mahindra Old Mutual Life Insurance and HDFC Standard Life Insurance Company.
Awards and Accreditations