Ujjivan Financial Services Ltd

Ujjivan Fin.Ser. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Ujjivan Financial Services Ltd

₹ 590 2.62%
02 May 2024
ujjivan.com
About

Ujjivan Financial Services was registered with Reserve Bank of India (" the RBI") as NBFC-MFI under Non-Banking Financial Company Micro Finance Institutions (NBFC-MFIs) directions on September 05, 2013. The Company received approval from the RBI to set up a Small Finance Bank.(Source : 202003-01 Annual Report Page No:78)

Key Points

Background
On September 05, 2013, the co registered with RBI as a Non-Banking Financial Company Micro Finance Institutions (NBFC-MFI) and received approval to set up a Small Finance Bank. Consequently, it transferred its Business undertaking to its wholly-owned subsidiary Ujjivan Small Finance Bank Limited which commenced operations on February 1, 2017. Pursuant to this change, the Co surrendered its NBFC-MFI license and received approval and certificate of registration as NBFC-ND-SI-CIC (Core Investment Company) from the RBI on October 10, 2017. [1]

Website
  • Market Cap ₹ 7,179 Cr.
  • Current Price ₹ 590
  • High / Low ₹ 593 / 463
  • Stock P/E 38.7
  • Book Value ₹ 155
  • Dividend Yield 0.59 %
  • ROCE 6.78 %
  • ROE 5.91 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Company has delivered good profit growth of 155% CAGR over last 5 years

Cons

  • Stock is trading at 3.80 times its book value
  • Tax rate seems low
  • Company has a low return on equity of 2.08% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 119.00 11.00 72.00 0.00
1.17 0.87 1.10 0.98 1.16 0.50 0.79 0.63 0.87 0.84 0.74 0.70 0.60
Operating Profit -1.17 -0.87 -1.10 -0.98 -1.16 -0.50 -0.79 -0.63 -0.87 118.16 10.26 71.30 -0.60
OPM % 99.29% 93.27% 99.03%
1.84 1.70 1.71 1.65 1.71 1.68 1.70 1.89 2.18 2.47 3.36 4.00 4.17
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Profit before tax 0.67 0.83 0.61 0.67 0.55 1.18 0.91 1.26 1.31 120.63 13.62 75.30 3.57
Tax % 25.37% 25.30% 24.59% 35.82% 34.55% 22.88% 25.27% 26.19% 29.01% 12.45% 13.95% 13.13% 24.37%
0.50 0.62 0.46 0.43 0.36 0.91 0.68 0.93 0.93 105.61 11.72 65.41 2.70
EPS in Rs 0.04 0.05 0.04 0.04 0.03 0.07 0.06 0.08 0.08 8.68 0.96 5.37 0.22
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
156 233 357 611 18 24 8 30 21 8 7 127 202
93 102 126 219 1 2 4 7 11 5 4 3 3
Operating Profit 63 132 231 392 17 22 4 23 10 4 3 124 199
OPM % 40% 56% 65% 64% 94% 93% 46% 78% 48% 46% 45% 98% 99%
0 1 1 1 166 193 0 1 0 0 0 0 14
Interest 61 82 140 271 0 0 0 0 0 0 0 0 0
Depreciation 2 3 3 7 0 0 0 0 0 0 0 0 0
Profit before tax -0 48 89 115 183 215 4 24 10 4 3 124 213
Tax % -187% 31% 34% 34% 3% 4% 72% 10% 13% 25% 28% 13%
0 33 58 76 177 208 1 22 9 3 2 108 185
EPS in Rs 0.02 5.01 8.91 8.80 17.51 17.39 0.08 1.78 0.73 0.24 0.18 8.89 15.23
Dividend Payout % 0% 5% 6% 6% 3% 5% 604% 73% 110% 0% 0% 56%
Compounded Sales Growth
10 Years: -6%
5 Years: 75%
3 Years: 82%
TTM: 1785%
Compounded Profit Growth
10 Years: 13%
5 Years: 155%
3 Years: 131%
TTM: 5275%
Stock Price CAGR
10 Years: %
5 Years: 17%
3 Years: 74%
1 Year: 22%
Return on Equity
10 Years: 5%
5 Years: 2%
3 Years: 2%
Last Year: 6%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2023
Equity Capital 57 66 66 86 101 119 121 121 122 122 122 122 122
Reserves 183 252 307 650 1,097 1,636 1,645 1,667 1,684 1,681 1,684 1,732 1,768
617 997 1,650 3,122 4,338 0 0 0 0 0 0 0 0
38 41 56 118 192 12 2 1 1 1 1 1 2
Total Liabilities 895 1,357 2,079 3,976 5,727 1,767 1,768 1,789 1,807 1,804 1,807 1,854 1,892
11 11 13 18 24 0 0 0 0 0 0 0 0
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 0 1,640 1,651 1,666 1,676 1,680 1,680 1,680 1,680
884 1,346 2,066 3,958 5,703 127 117 123 131 125 127 174 212
Total Assets 895 1,357 2,079 3,976 5,727 1,767 1,768 1,789 1,807 1,804 1,807 1,854 1,892

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-409 -439 -1,508 -1,691 -2,933 -18 13 -2 -5 -5 100
3 1 -2 -2 -214 8 -112 2 14 4 -39
427 651 1,762 1,502 2,827 -2 -14 -1 -9 0 -61
Net Cash Flow 20 213 252 -191 -320 -12 -114 -0 -0 -0 1

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 1,530 1,482 1,418 1,572 78,423 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 1,530 1,482 1,418 1,572 78,423 0 0 0 0 0 0 0
Working Capital Days 635 502 291 446 23,359 -176 -32 -9 -6 -21 -16 -1
ROCE % 8% 12% 14% 13% 4% 6% 0% 1% 1% 0% 0% 7%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
22.94% 26.17% 26.65% 28.22% 30.71% 30.65% 31.91% 31.15% 40.48% 36.47% 34.98% 35.34%
18.19% 13.74% 12.69% 12.43% 10.67% 1.27% 1.09% 2.13% 3.86% 6.03% 7.44% 7.36%
58.87% 60.09% 60.66% 59.35% 58.62% 68.10% 66.98% 66.71% 55.64% 57.50% 57.58% 57.30%
No. of Shareholders 1,10,8181,19,6851,20,5431,14,9951,05,91694,69084,83583,66680,74381,70196,17096,524

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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