Ujjivan Financial Services Ltd: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: January 23, 2025, 8:56 pm

Market Cap	7,179 Cr.
Current Price	590
High / Low	593/463
Stock P/E	8.75
Book Value	299
Dividend Yield	0.59 %
ROCE	10.3 %
ROE	32.1 %
Face Value	10.0
PEG Ratio	0.37

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Ujjivan Financial Services Ltd

Competitors of Ujjivan Financial Services Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
My Money Securities Ltd	39.7 Cr.	23.6	69.2/0.00	3.81	18.5	0.00 %	12.0 %	11.3 %	10.0
Nam Securities Ltd	51.2 Cr.	95.0	198/94.4	183	21.2	0.00 %	4.16 %	3.05 %	10.0
ICDS Ltd	60.0 Cr.	45.4	76.2/32.5	68.2	22.2	0.00 %	9.12 %	7.69 %	10.0
HCKK Ventures Ltd	58.2 Cr.	157	157/77.4	277	11.6	0.00 %	8.17 %	6.44 %	10.0
Ujjivan Financial Services Ltd	7,179 Cr.	590	593/463	8.75	299	0.59 %	10.3 %	32.1 %	10.0
Industry Average	19,297.43 Cr	1,406.77		45.29	4,322.74	0.54%	11.00%	14.73%	7.89

All Competitor Stocks of Ujjivan Financial Services Ltd

Quarterly Result

Metric	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
Sales	772	717	700	736	708	850	1,008	1,040	1,144	1,231	1,375	1,496	1,576
Expenses	1,156	281	564	521	677	409	327	285	365	516	510	530	600
Operating Profit	-385	436	137	215	32	441	680	754	779	716	865	966	976
OPM %	-50%	61%	20%	29%	4%	52%	68%	73%	68%	58%	63%	65%	62%
Other Income	20	16	36	-4	24	41	50	60	50	97	81	62	59
Interest	262	275	266	262	261	282	313	337	391	453	499	572	617
Depreciation	36	62	40	40	38	38	39	40	43	42	39	42	49
Profit before tax	-663	114	-133	-91	-243	163	380	437	396	318	408	414	370
Tax %	-26%	26%	-25%	-25%	-25%	27%	22%	28%	25%	27%	27%	25%	24%
Net Profit	-491	84	-99	-68	-182	119	295	315	298	232	298	309	281
EPS in Rs	-33.59	5.76	-6.79	-4.66	-12.43	8.13	20.22	21.12	18.11	13.74	18.07	18.56	17.07

Last Updated: Unknown

Below is a detailed analysis of the quarterly data for Ujjivan Financial Services Ltd based on the most recent figures (Dec 2023) and their trends compared to the previous period:

For Sales, as of Dec 2023, the value is ₹1,576.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,496.00 Cr. (Sep 2023) to ₹1,576.00 Cr., marking an increase of ₹80.00 Cr..
For Expenses, as of Dec 2023, the value is ₹600.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 530.00 Cr. (Sep 2023) to ₹600.00 Cr., marking an increase of ₹70.00 Cr..
For Operating Profit, as of Dec 2023, the value is ₹976.00 Cr.. The value appears strong and on an upward trend. It has increased from 966.00 Cr. (Sep 2023) to ₹976.00 Cr., marking an increase of ₹10.00 Cr..
For OPM %, as of Dec 2023, the value is 62.00%. The value appears to be declining and may need further review. It has decreased from 65.00% (Sep 2023) to 62.00%, marking a decrease of 3.00%.
For Other Income, as of Dec 2023, the value is ₹59.00 Cr.. The value appears to be declining and may need further review. It has decreased from 62.00 Cr. (Sep 2023) to ₹59.00 Cr., marking a decrease of 3.00 Cr..
For Interest, as of Dec 2023, the value is ₹617.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 572.00 Cr. (Sep 2023) to ₹617.00 Cr., marking an increase of ₹45.00 Cr..
For Depreciation, as of Dec 2023, the value is ₹49.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 42.00 Cr. (Sep 2023) to ₹49.00 Cr., marking an increase of ₹7.00 Cr..
For Profit before tax, as of Dec 2023, the value is ₹370.00 Cr.. The value appears to be declining and may need further review. It has decreased from 414.00 Cr. (Sep 2023) to ₹370.00 Cr., marking a decrease of 44.00 Cr..
For Tax %, as of Dec 2023, the value is 24.00%. The value appears to be improving (decreasing) as expected. It has decreased from 25.00% (Sep 2023) to 24.00%, marking a decrease of 1.00%.
For Net Profit, as of Dec 2023, the value is ₹281.00 Cr.. The value appears to be declining and may need further review. It has decreased from 309.00 Cr. (Sep 2023) to ₹281.00 Cr., marking a decrease of 28.00 Cr..
For EPS in Rs, as of Dec 2023, the value is 17.07. The value appears to be declining and may need further review. It has decreased from ₹18.56 (Sep 2023) to 17.07, marking a decrease of ₹1.49.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 7, 2025, 5:47 pm

Metric	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Sales	1,393	1,516	1,957	2,864	3,072	2,995	4,556	5,678
Expenses	521	857	1,022	1,273	2,209	2,170	1,492	2,155
Operating Profit	872	659	935	1,591	863	825	3,064	3,523
OPM %	63%	43%	48%	56%	28%	28%	67%	62%
Other Income	5	28	57	105	109	97	122	299
Interest	543	602	727	1,115	1,121	1,071	1,493	2,141
Depreciation	13	41	61	166	170	155	163	172
Profit before tax	322	45	204	416	-319	-304	1,531	1,509
Tax %	35%	42%	26%	28%	-25%	-24%	26%
Net Profit	208	26	150	299	-239	-230	1,140	1,120
EPS in Rs	17.39	2.15	12.41	23.21	-16.33	-15.75	73.19	67.44
Dividend Payout %	5%	23%	10%	3%	0%	0%	7%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023
YoY Net Profit Growth (%)	-87.50%	476.92%	99.33%	-179.93%	3.77%	595.65%
Change in YoY Net Profit Growth (%)	0.00%	564.42%	-377.59%	-279.27%	183.70%	591.89%

Ujjivan Financial Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 6 years from 2017-2018 to 2022-2023.

Growth

Compounded Sales Growth
10 Years:	%
5 Years:	25%
3 Years:	17%
TTM:	40%

Compounded Profit Growth
10 Years:	%
5 Years:	103%
3 Years:	47%
TTM:	0%

Stock Price CAGR
10 Years:	%
5 Years:	14%
3 Years:	74%
1 Year:	13%

Return on Equity
10 Years:	%
5 Years:	8%
3 Years:	6%
Last Year:	32%

Last Updated: Unknown

Balance Sheet

Last Updated: Unknown

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Sep 2023
Equity Capital	119	121	121	122	122	122	122	122
Reserves	1,636	1,611	1,757	2,718	2,391	2,201	3,102	3,515
Borrowings	6,392	7,625	11,842	15,204	16,799	21,073	30,776	34,774
Other Liabilities	331	165	306	668	895	1,027	1,487	1,918
Total Liabilities	8,479	9,522	14,026	18,711	20,207	24,423	35,486	40,329
Fixed Assets	137	194	282	799	718	666	684	760
CWIP	3	4	2	21	5	6	18	31
Investments	1,447	1,244	1,548	2,429	2,552	4,215	8,604	11,037
Other Assets	6,892	8,080	12,194	15,462	16,932	19,536	26,181	28,502
Total Assets	8,479	9,522	14,026	18,711	20,207	24,423	35,486	40,329

Below is a detailed analysis of the balance sheet data for Ujjivan Financial Services Ltd based on the most recent figures (Sep 2023) and their trends compared to the previous period:

For Equity Capital, as of Sep 2023, the value is ₹122.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2023) which recorded ₹122.00 Cr..
For Reserves, as of Sep 2023, the value is ₹3,515.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹3,102.00 Cr. (Mar 2023) to ₹3,515.00 Cr., marking an increase of 413.00 Cr..
For Borrowings, as of Sep 2023, the value is ₹34,774.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from ₹30,776.00 Cr. (Mar 2023) to ₹34,774.00 Cr., marking an increase of 3,998.00 Cr..
For Other Liabilities, as of Sep 2023, the value is ₹1,918.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹1,487.00 Cr. (Mar 2023) to ₹1,918.00 Cr., marking an increase of 431.00 Cr..
For Total Liabilities, as of Sep 2023, the value is ₹40,329.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹35,486.00 Cr. (Mar 2023) to ₹40,329.00 Cr., marking an increase of 4,843.00 Cr..
For Fixed Assets, as of Sep 2023, the value is ₹760.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹684.00 Cr. (Mar 2023) to ₹760.00 Cr., marking an increase of 76.00 Cr..
For CWIP, as of Sep 2023, the value is ₹31.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹18.00 Cr. (Mar 2023) to ₹31.00 Cr., marking an increase of 13.00 Cr..
For Investments, as of Sep 2023, the value is ₹11,037.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹8,604.00 Cr. (Mar 2023) to ₹11,037.00 Cr., marking an increase of 2,433.00 Cr..
For Other Assets, as of Sep 2023, the value is ₹28,502.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹26,181.00 Cr. (Mar 2023) to ₹28,502.00 Cr., marking an increase of 2,321.00 Cr..
For Total Assets, as of Sep 2023, the value is ₹40,329.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹35,486.00 Cr. (Mar 2023) to ₹40,329.00 Cr., marking an increase of 4,843.00 Cr..

However, the Borrowings (34,774.00 Cr.) are higher than the Reserves (₹3,515.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Cash from Operating Activity +	-583	2,190	-3,248	-2,464	1,612	2,826	2,073
Cash from Investing Activity +	-1,559	113	-448	-1,087	-215	-1,785	-4,554
Cash from Financing Activity +	2,409	-2,441	4,198	3,812	-803	-819	2,640
Net Cash Flow	267	-137	503	261	594	222	159

Free Cash Flow

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Free Cash Flow	866.00	652.00	924.00	-14.00	847.00	804.00	-27.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Debtor Days	1,122	0	0	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	1,122	0	0	0	0	0	0
Working Capital Days	162	-39	-40	-31	-38	-58	-21
ROCE %		7%	8%	10%	4%	4%	10%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
FIIs	22.94%	26.17%	26.65%	28.22%	30.71%	30.65%	31.91%	31.15%	40.48%	36.47%	34.98%	35.34%
DIIs	18.19%	13.74%	12.69%	12.43%	10.67%	1.27%	1.09%	2.13%	3.86%	6.03%	7.44%	7.36%
Public	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	1,10,818	1,19,685	1,20,543	1,14,995	1,05,916	94,690	84,835	83,666	80,743	81,701	96,170	96,524

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
Sundaram Services Fund	1,244,712	2.2	70.92	840,477	2025-03-09	48.1%
Sundaram Small Cap Fund	1,219,075	2.27	69.46	840,477	2025-03-09	45.05%
Sundaram Financial Services Opportunities Fund	840,477	4.19	47.89	840,477	2025-03-09	0%
Sundaram Financial Services Opportunities Fund - Institutional Plan	840,477	4.19	47.89	840,477	2025-03-09	0%
Mahindra Manulife Small Cap Fund	823,294	1.34	46.91	840,477	2025-03-09	-2.04%
Sundaram Long Term Micro Cap Tax Advantage Fund - Series III	21,959	1.5	1.25	840,477	2025-03-09	-97.39%
Groww ELSS Tax Saver Fund	17,386	2.29	0.99	840,477	2025-03-09	-97.93%
Sundaram Long Term Micro Cap Tax Advantage Fund - Series VI	10,868	1.49	0.62	840,477	2025-03-09	-98.71%
Sundaram Long Term Micro Cap Tax Advantage Fund - Series IV	10,654	1.52	0.61	840,477	2025-03-09	-98.73%
Sundaram Long Term Tax Advantage Fund - Series III	9,729	1.49	0.55	840,477	2025-03-09	-98.84%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 23	Mar 22	Mar 21	Mar 20	Mar 19
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	73.20	-15.76	-16.34	23.25	12.43
Diluted EPS (Rs.)	73.20	-15.76	-16.34	23.21	2.38
Cash EPS (Rs.)	107.09	-6.20	-5.69	38.21	17.42
Book Value[Excl.RevalReserv]/Share (Rs.)	348.64	223.73	242.51	260.74	154.97
Book Value[Incl.RevalReserv]/Share (Rs.)	348.64	223.73	242.51	260.74	154.97
Revenue From Operations / Share (Rs.)	363.36	246.15	252.02	235.17	160.46
PBDIT / Share (Rs.)	261.89	75.79	79.86	139.54	81.85
PBIT / Share (Rs.)	248.52	63.04	65.89	125.89	76.85
PBT / Share (Rs.)	125.81	-24.98	-26.25	34.20	16.84
Net Profit / Share (Rs.)	93.71	-18.94	-19.65	24.56	12.42
NP After MI And SOA / Share (Rs.)	73.20	-15.75	-16.34	23.21	12.42
PBDIT Margin (%)	72.07	30.78	31.68	59.33	51.00
PBIT Margin (%)	68.39	25.61	26.14	53.52	47.89
PBT Margin (%)	34.62	-10.14	-10.41	14.54	10.49
Net Profit Margin (%)	25.79	-7.69	-7.79	10.44	7.73
NP After MI And SOA Margin (%)	20.14	-6.40	-6.48	9.87	7.73
Return on Networth / Equity (%)	27.63	-8.25	-7.47	9.94	8.01
Return on Capital Employeed (%)	10.04	3.65	4.98	11.00	9.96
Return On Assets (%)	2.51	-0.78	-0.98	1.50	1.07
Long Term Debt / Equity (X)	7.96	7.81	4.91	3.75	3.95
Total Debt / Equity (X)	9.39	8.86	6.13	5.14	6.31
Asset Turnover Ratio (%)	0.01	0.00	0.00	0.00	0.00
Current Ratio (X)	6.39	6.71	4.62	3.69	2.91
Quick Ratio (X)	6.39	6.71	4.62	3.69	2.91
Dividend Payout Ratio (NP) (%)	6.50	0.00	-4.89	1.93	10.86
Dividend Payout Ratio (CP) (%)	5.49	0.00	-33.71	1.21	7.74
Earning Retention Ratio (%)	93.50	0.00	104.89	98.07	89.14
Cash Earning Retention Ratio (%)	94.51	0.00	133.71	98.79	92.26
Interest Coverage Ratio (X)	2.13	0.86	0.86	1.52	1.36
Interest Coverage Ratio (Post Tax) (X)	1.76	0.78	0.78	1.27	1.21
Enterprise Value (Cr.)	31933.34	20025.63	16530.68	15401.39	14960.93
EV / Net Operating Revenue (X)	7.22	6.69	5.39	5.39	7.69
EV / EBITDA (X)	10.02	21.72	17.02	9.08	15.09
MarketCap / Net Operating Revenue (X)	0.70	0.41	0.83	0.63	2.17
Retention Ratios (%)	93.49	0.00	104.89	98.06	89.13
Price / BV (X)	0.96	0.53	0.96	0.63	2.25
Price / Net Operating Revenue (X)	0.70	0.41	0.83	0.63	2.17
EarningsYield	0.28	-0.15	-0.07	0.15	0.03

After reviewing the key financial ratios for Ujjivan Financial Services Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 23, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 22) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 23, the value is 73.20. This value is within the healthy range. It has increased from -15.76 (Mar 22) to 73.20, marking an increase of 88.96.
For Diluted EPS (Rs.), as of Mar 23, the value is 73.20. This value is within the healthy range. It has increased from -15.76 (Mar 22) to 73.20, marking an increase of 88.96.
For Cash EPS (Rs.), as of Mar 23, the value is 107.09. This value is within the healthy range. It has increased from -6.20 (Mar 22) to 107.09, marking an increase of 113.29.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 23, the value is 348.64. It has increased from 223.73 (Mar 22) to 348.64, marking an increase of 124.91.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 23, the value is 348.64. It has increased from 223.73 (Mar 22) to 348.64, marking an increase of 124.91.
For Revenue From Operations / Share (Rs.), as of Mar 23, the value is 363.36. It has increased from 246.15 (Mar 22) to 363.36, marking an increase of 117.21.
For PBDIT / Share (Rs.), as of Mar 23, the value is 261.89. This value is within the healthy range. It has increased from 75.79 (Mar 22) to 261.89, marking an increase of 186.10.
For PBIT / Share (Rs.), as of Mar 23, the value is 248.52. This value is within the healthy range. It has increased from 63.04 (Mar 22) to 248.52, marking an increase of 185.48.
For PBT / Share (Rs.), as of Mar 23, the value is 125.81. This value is within the healthy range. It has increased from -24.98 (Mar 22) to 125.81, marking an increase of 150.79.
For Net Profit / Share (Rs.), as of Mar 23, the value is 93.71. This value is within the healthy range. It has increased from -18.94 (Mar 22) to 93.71, marking an increase of 112.65.
For NP After MI And SOA / Share (Rs.), as of Mar 23, the value is 73.20. This value is within the healthy range. It has increased from -15.75 (Mar 22) to 73.20, marking an increase of 88.95.
For PBDIT Margin (%), as of Mar 23, the value is 72.07. This value is within the healthy range. It has increased from 30.78 (Mar 22) to 72.07, marking an increase of 41.29.
For PBIT Margin (%), as of Mar 23, the value is 68.39. This value exceeds the healthy maximum of 20. It has increased from 25.61 (Mar 22) to 68.39, marking an increase of 42.78.
For PBT Margin (%), as of Mar 23, the value is 34.62. This value is within the healthy range. It has increased from -10.14 (Mar 22) to 34.62, marking an increase of 44.76.
For Net Profit Margin (%), as of Mar 23, the value is 25.79. This value exceeds the healthy maximum of 10. It has increased from -7.69 (Mar 22) to 25.79, marking an increase of 33.48.
For NP After MI And SOA Margin (%), as of Mar 23, the value is 20.14. This value exceeds the healthy maximum of 20. It has increased from -6.40 (Mar 22) to 20.14, marking an increase of 26.54.
For Return on Networth / Equity (%), as of Mar 23, the value is 27.63. This value is within the healthy range. It has increased from -8.25 (Mar 22) to 27.63, marking an increase of 35.88.
For Return on Capital Employeed (%), as of Mar 23, the value is 10.04. This value is within the healthy range. It has increased from 3.65 (Mar 22) to 10.04, marking an increase of 6.39.
For Return On Assets (%), as of Mar 23, the value is 2.51. This value is below the healthy minimum of 5. It has increased from -0.78 (Mar 22) to 2.51, marking an increase of 3.29.
For Long Term Debt / Equity (X), as of Mar 23, the value is 7.96. This value exceeds the healthy maximum of 1. It has increased from 7.81 (Mar 22) to 7.96, marking an increase of 0.15.
For Total Debt / Equity (X), as of Mar 23, the value is 9.39. This value exceeds the healthy maximum of 1. It has increased from 8.86 (Mar 22) to 9.39, marking an increase of 0.53.
For Asset Turnover Ratio (%), as of Mar 23, the value is 0.01. It has increased from 0.00 (Mar 22) to 0.01, marking an increase of 0.01.
For Current Ratio (X), as of Mar 23, the value is 6.39. This value exceeds the healthy maximum of 3. It has decreased from 6.71 (Mar 22) to 6.39, marking a decrease of 0.32.
For Quick Ratio (X), as of Mar 23, the value is 6.39. This value exceeds the healthy maximum of 2. It has decreased from 6.71 (Mar 22) to 6.39, marking a decrease of 0.32.
For Dividend Payout Ratio (NP) (%), as of Mar 23, the value is 6.50. This value is below the healthy minimum of 20. It has increased from 0.00 (Mar 22) to 6.50, marking an increase of 6.50.
For Dividend Payout Ratio (CP) (%), as of Mar 23, the value is 5.49. This value is below the healthy minimum of 20. It has increased from 0.00 (Mar 22) to 5.49, marking an increase of 5.49.
For Earning Retention Ratio (%), as of Mar 23, the value is 93.50. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 22) to 93.50, marking an increase of 93.50.
For Cash Earning Retention Ratio (%), as of Mar 23, the value is 94.51. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 22) to 94.51, marking an increase of 94.51.
For Interest Coverage Ratio (X), as of Mar 23, the value is 2.13. This value is below the healthy minimum of 3. It has increased from 0.86 (Mar 22) to 2.13, marking an increase of 1.27.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 23, the value is 1.76. This value is below the healthy minimum of 3. It has increased from 0.78 (Mar 22) to 1.76, marking an increase of 0.98.
For Enterprise Value (Cr.), as of Mar 23, the value is 31,933.34. It has increased from 20,025.63 (Mar 22) to 31,933.34, marking an increase of 11,907.71.
For EV / Net Operating Revenue (X), as of Mar 23, the value is 7.22. This value exceeds the healthy maximum of 3. It has increased from 6.69 (Mar 22) to 7.22, marking an increase of 0.53.
For EV / EBITDA (X), as of Mar 23, the value is 10.02. This value is within the healthy range. It has decreased from 21.72 (Mar 22) to 10.02, marking a decrease of 11.70.
For MarketCap / Net Operating Revenue (X), as of Mar 23, the value is 0.70. This value is below the healthy minimum of 1. It has increased from 0.41 (Mar 22) to 0.70, marking an increase of 0.29.
For Retention Ratios (%), as of Mar 23, the value is 93.49. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 22) to 93.49, marking an increase of 93.49.
For Price / BV (X), as of Mar 23, the value is 0.96. This value is below the healthy minimum of 1. It has increased from 0.53 (Mar 22) to 0.96, marking an increase of 0.43.
For Price / Net Operating Revenue (X), as of Mar 23, the value is 0.70. This value is below the healthy minimum of 1. It has increased from 0.41 (Mar 22) to 0.70, marking an increase of 0.29.
For EarningsYield, as of Mar 23, the value is 0.28. This value is below the healthy minimum of 5. It has increased from -0.15 (Mar 22) to 0.28, marking an increase of 0.43.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Ujjivan Financial Services Ltd as of March 10, 2025 is: ₹675.82

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 10, 2025, Ujjivan Financial Services Ltd is Undervalued by 14.55% compared to the current share price 590.00

Intrinsic Value of Ujjivan Financial Services Ltd as of March 10, 2025 is: 836.53

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 10, 2025, Ujjivan Financial Services Ltd is Undervalued by 41.78% compared to the current share price 590.00

Last 5 Year EPS CAGR: 23.78%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock has a low average Working Capital Days of -9.29, which is a positive sign. The company has shown consistent growth in sales (2.38 cr) and profit (45.75 cr) over the years.	The stock has a low average ROCE of 6.14%, which may not be favorable. The stock has a high average Cash Conversion Cycle of 0.14, which may not be favorable. The company has higher borrowings (18,060.63) compared to reserves (2,366.38), which may suggest financial risk.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Ujjivan Financial Services Ltd:
1. Net Profit Margin: 25.79%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 10.04% (Industry Average ROCE: 11%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 27.63% (Industry Average ROE: 14.73%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 1.76
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 6.39
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 8.75 (Industry average Stock P/E: 45.29)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 9.39
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Ujjivan Financial Services Ltd. is a Public Limited Listed company incorporated on 28/12/2004 and has its registered office in the State of Karnataka, India. Company's Corporate Identification Number(CIN) is L65999KA2004PLC035329 and registration number is 035329. Currently Company is involved in the business activities of Activities of holding companies. Company's Total Operating Revenue is Rs. 119.00 Cr. and Equity Capital is Rs. 121.68 Cr. for the Year ended 31/03/2023.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	Grape Garden, No. 27, Bengaluru Karnataka 560095	compliance@ujjivanfin.com http://www.ujjivan.com

Management
Name	Position Held
Mr. Samit Ghosh	Chairman & Non-Exe.Director
Mr. Anand Narayan	Non Executive Director
Ms. Mona Kachhwaha	Ind. Non-Executive Director
Mr. Sunil Vinayak Patel	Ind. Non-Executive Director
Mr. K R Ramamoorthy	Ind. Non-Executive Director
Mr. Renzo Christopher Viegas	Ind. Non-Executive Director

FAQ

What is the latest intrinsic value of Ujjivan Financial Services Ltd?

The latest intrinsic value of Ujjivan Financial Services Ltd as on 06 February 2025 is ₹675.82, which is 14.55% higher than the current market price of ₹590.00, indicating the stock is undervalued by 14.55%. The stock has a market capitalization of 7,179 Cr. and recorded a high/low of 593/463 during the current fiscal year 2024-2025. As of Sep 2023, the company has reserves of ₹3,515 Cr and total liabilities of 40,329 Cr.

What is the Market Cap of Ujjivan Financial Services Ltd?

The Market Cap of Ujjivan Financial Services Ltd is 7,179 Cr..

What is the current Stock Price of Ujjivan Financial Services Ltd as on 06 February 2025?

The current stock price of Ujjivan Financial Services Ltd as on 06 February 2025 is 590.

What is the High / Low of Ujjivan Financial Services Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of Ujjivan Financial Services Ltd stocks is 593/463.

What is the Stock P/E of Ujjivan Financial Services Ltd?

The Stock P/E of Ujjivan Financial Services Ltd is 8.75.

What is the Book Value of Ujjivan Financial Services Ltd?

The Book Value of Ujjivan Financial Services Ltd is 299.

What is the Dividend Yield of Ujjivan Financial Services Ltd?

The Dividend Yield of Ujjivan Financial Services Ltd is 0.59 %.

What is the ROCE of Ujjivan Financial Services Ltd?

The ROCE of Ujjivan Financial Services Ltd is 10.3 %.

What is the ROE of Ujjivan Financial Services Ltd?

The ROE of Ujjivan Financial Services Ltd is 32.1 %.

What is the Face Value of Ujjivan Financial Services Ltd?

The Face Value of Ujjivan Financial Services Ltd is 10.0.