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Last Updated: October 3, 2025, 10:35 pm
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 539874 | NSE: UJJIVAN

Ujjivan Financial Services Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹685.29Undervalued by 16.15%vs CMP ₹590.00

P/E (8.8) × ROE (32.1%) × BV (₹299.00) × DY (2.00%)

₹808.37Undervalued by 37.01%vs CMP ₹590.00
MoS: +27% (Adequate)Confidence: 43/100 (Low)Models: 4 Under, 3 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹848.2529%Under (+43.8%)
Graham NumberEarnings₹673.5717%Under (+14.2%)
DCFCash Flow₹2,258.2914%Under (+282.8%)
Net Asset ValueAssets₹298.909%Over (-49.3%)
EV/EBITDAEnterprise₹133.9612%Over (-77.3%)
Earnings YieldEarnings₹674.409%Under (+14.3%)
ROCE CapitalReturns₹248.099%Over (-58%)
Consensus (7 models)₹808.37100%Undervalued
Key Drivers: Wide model spread (₹134–₹2,258) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 23.8%

*Investments are subject to market risks

Investment Snapshot

58
Ujjivan Financial Services Ltd scores 58/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health60/100 · Moderate
ROCE 10.3% AverageROE 32.1% ExcellentD/E 6.31 High debtInterest Coverage 0.0x RiskyProfitable 3/5 years Mixed
Smart Money45/100 · Moderate
FII holding down -5.14% (6mo) SellingDII holding up 3.50% MF buying
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +9% YoY Positive
Industry Rank75/100 · Strong
P/E 8.8 vs industry 171.3 Cheaper than peersROCE 10.3% vs industry 11.4% AverageROE 32.1% vs industry 25.6% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Ujjivan Financial Services Ltd Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
40/100
Moderate
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 8.8 vs Ind 171.3 | ROCE 10.3% | ROE 32.1% | CFO/NP N/A
Balance Sheet Stress
30/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 6.31x | IntCov 0.0x | Current 2.91x | Borrow/Reserve 0.00x
Cash Flow Reliability
29/100
Weak
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹1,140 Cr | CFO/NP N/A
Ownership Accumulation
0
Neutral
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII +0.36 pp | DII -0.08 pp | Prom N/A
Business Momentum
-11
Watch closely
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales N/A | Q NP -9.1% | Q OPM N/A
Derived FieldValueHow it is derived
Valuation Gap %+37.0%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves0.00xLatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII Change+0.36 ppLatest FII% minus previous FII%
DII Change-0.08 ppLatest DII% minus previous DII%
Promoter ChangeN/ALatest promoter% minus previous promoter%
Shareholder Count Change+354Latest shareholder count minus previous count
Quarterly Sales ChangeN/ALatest quarter sales vs previous quarter sales
Quarterly Profit Change-9.1%Latest quarter net profit vs previous quarter net profit
Quarterly OPM ChangeN/ALatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: October 3, 2025, 10:35 pm

Market Cap 7,179 Cr.
Current Price 590
Intrinsic Value₹808.37
High / Low /
Stock P/E8.75
Book Value 299
Dividend Yield0.00 %
ROCE10.3 %
ROE32.1 %
Face Value 10.0
PEG Ratio0.37

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

View Share Price Target for Ujjivan Financial Services Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Ujjivan Financial Services Ltd 7,179 Cr. 590 /8.75 2990.00 %10.3 %32.1 % 10.0
IIFL Capital Services Ltd 8,120 Cr. 261 411/17014.1 90.41.15 %33.3 %31.6 % 2.00
Pilani Investment & Industries Corporation Ltd 4,883 Cr. 4,410 5,980/3,8804,036 15,3470.34 %1.75 %0.64 % 10.0
Paisalo Digital Ltd 3,216 Cr. 35.4 41.7/29.415.2 18.30.28 %13.1 %13.9 % 1.00
JM Financial Ltd 11,505 Cr. 120 200/78.09.12 1082.24 %9.39 %9.01 % 1.00
Industry Average17,128.74 Cr1,145.63171.253,616.520.48%11.38%25.55%6.58

All Competitor Stocks of Ujjivan Financial Services Ltd

Quarterly Result

MetricDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Revenue7727177007367088501,0081,0401,1441,2311,3751,4961,576
Interest 262275266262261282313337391453499572617
Expenses 1,156281564521677409327285365516510530600
Financing Profit-647161-129-46-230159368417388263366394359
Financing Margin %-84%22%-18%-6%-32%19%37%40%34%21%27%26%23%
Other Income 201636-4244150605097816259
Depreciation 36624040383839404342394249
Profit before tax -663114-133-91-243163380437396318408414370
Tax % -26%26%-25%-25%-25%27%22%28%25%27%27%25%24%
Net Profit -49184-99-68-182119295315298232298309281
EPS in Rs -33.595.76-6.79-4.66-12.438.1320.2221.1218.1113.7418.0718.5617.07
Gross NPA %
Net NPA %

Last Updated: February 3, 2026, 6:46 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 7:16 am

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue1,3931,5161,9572,8643,0722,9954,5565,678
Interest 5436027271,1151,1211,0711,4932,141
Expenses 5218571,0221,2732,2092,1701,4922,155
Financing Profit33058208476-258-2461,5711,382
Financing Margin %24%4%11%17%-8%-8%34%24%
Other Income 5285710510997122299
Depreciation 134161166170155163172
Profit before tax 32245204416-319-3041,5311,509
Tax % 35%42%26%28%-25%-24%26%
Net Profit 20826150299-239-2301,1401,120
EPS in Rs 17.392.1512.4123.21-16.33-15.7573.1967.44
Dividend Payout % 5%23%10%3%0%0%7%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2017-20182018-20192019-20202020-20212021-20222022-2023
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:19%
3 Years:41%
1 Year:%
Return on Equity
10 Years:%
5 Years:8%
3 Years:6%
Last Year:32%

Last Updated: September 5, 2025, 1:50 pm

Balance Sheet

Last Updated: February 1, 2026, 2:06 am

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Sep 2023
Equity Capital 119121121122122122122122
Reserves 1,6361,6111,7572,7182,3912,2013,1023,515
Borrowing6,3927,62511,84215,20416,79921,07330,77634,774
Other Liabilities 3311653066688951,0271,4871,918
Total Liabilities 8,4799,52214,02618,71120,20724,42335,48640,329
Fixed Assets 137194282799718666684760
CWIP 34221561831
Investments 1,4471,2441,5482,4292,5524,2158,60411,037
Other Assets 6,8928,08012,19415,46216,93219,53626,18128,502
Total Assets 8,4799,52214,02618,71120,20724,42335,48640,329

Reserves and Borrowings Chart

Cash Flow

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity + -5832,190-3,248-2,4641,6122,8262,073
Cash from Investing Activity + -1,559113-448-1,087-215-1,785-4,554
Cash from Financing Activity + 2,409-2,4414,1983,812-803-8192,640
Net Cash Flow 267-137503261594222159
Free Cash Flow -7082,090-3,395-2,6701,4272,7201,881
CFO/OP -52%339%-343%-148%212%345%76%

Free Cash Flow

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Free Cash Flow515.00850.00-10.00-14.00-14.00-19.00-29.00

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

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Debtor Days 1,122000000
Inventory Days
Days Payable
Cash Conversion Cycle 1,122000000
Working Capital Days 162-39-40-31-38-58-21
ROCE %7%8%10%4%4%10%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthJun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 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 1,10,8181,19,6851,20,5431,14,9951,05,91694,69084,83583,66680,74381,70196,17096,524

Shareholding Pattern Chart

No. of Shareholders

Ujjivan Financial Services Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Sundaram Services Fund 1,244,712 2.2 70.921,244,7122025-04-22 16:43:230%
Sundaram Small Cap Fund 1,219,075 2.27 69.461,219,0752025-04-22 16:43:230%
Sundaram Financial Services Opportunities Fund 840,477 4.19 47.89840,4772025-04-22 16:43:230%
Sundaram Financial Services Opportunities Fund - Institutional Plan 840,477 4.19 47.89840,4772025-04-22 16:43:230%
Mahindra Manulife Small Cap Fund 823,294 1.34 46.91823,2942025-04-22 16:43:230%
Sundaram Long Term Micro Cap Tax Advantage Fund - Series III 21,959 1.5 1.2521,9592025-04-22 16:43:230%
Groww ELSS Tax Saver Fund 17,386 2.29 0.9917,3862025-04-22 13:36:340%
Sundaram Long Term Micro Cap Tax Advantage Fund - Series VI 10,868 1.49 0.6210,8682025-04-22 16:43:230%
Sundaram Long Term Micro Cap Tax Advantage Fund - Series IV 10,654 1.52 0.6110,6542025-04-22 16:43:230%
Sundaram Long Term Tax Advantage Fund - Series III 9,729 1.49 0.559,7292025-04-22 16:43:230%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 73.20-15.76-16.3423.2512.43
Diluted EPS (Rs.) 73.20-15.76-16.3423.212.38
Cash EPS (Rs.) 107.09-6.20-5.6938.2117.42
Book Value[Excl.RevalReserv]/Share (Rs.) 348.64223.73242.51260.74154.97
Book Value[Incl.RevalReserv]/Share (Rs.) 348.64223.73242.51260.74154.97
Revenue From Operations / Share (Rs.) 363.36246.15252.02235.17160.46
PBDIT / Share (Rs.) 261.8975.7979.86139.5481.85
PBIT / Share (Rs.) 248.5263.0465.89125.8976.85
PBT / Share (Rs.) 125.81-24.98-26.2534.2016.84
Net Profit / Share (Rs.) 93.71-18.94-19.6524.5612.42
NP After MI And SOA / Share (Rs.) 73.20-15.75-16.3423.2112.42
PBDIT Margin (%) 72.0730.7831.6859.3351.00
PBIT Margin (%) 68.3925.6126.1453.5247.89
PBT Margin (%) 34.62-10.14-10.4114.5410.49
Net Profit Margin (%) 25.79-7.69-7.7910.447.73
NP After MI And SOA Margin (%) 20.14-6.40-6.489.877.73
Return on Networth / Equity (%) 27.63-8.25-7.479.948.01
Return on Capital Employeed (%) 10.043.654.9811.009.96
Return On Assets (%) 2.51-0.78-0.981.501.07
Long Term Debt / Equity (X) 7.967.814.913.753.95
Total Debt / Equity (X) 9.398.866.135.146.31
Asset Turnover Ratio (%) 0.010.000.000.000.00
Current Ratio (X) 6.396.714.623.692.91
Quick Ratio (X) 6.396.714.623.692.91
Dividend Payout Ratio (NP) (%) 6.500.00-4.891.9310.86
Dividend Payout Ratio (CP) (%) 5.490.00-33.711.217.74
Earning Retention Ratio (%) 93.500.00104.8998.0789.14
Cash Earning Retention Ratio (%) 94.510.00133.7198.7992.26
Interest Coverage Ratio (X) 2.130.860.861.521.36
Interest Coverage Ratio (Post Tax) (X) 1.760.780.781.271.21
Enterprise Value (Cr.) 31933.3420025.6316530.6815401.3914960.93
EV / Net Operating Revenue (X) 7.226.695.395.397.69
EV / EBITDA (X) 10.0221.7217.029.0815.09
MarketCap / Net Operating Revenue (X) 0.700.410.830.632.17
Retention Ratios (%) 93.490.00104.8998.0689.13
Price / BV (X) 0.960.530.960.632.25
Price / Net Operating Revenue (X) 0.700.410.830.632.17
EarningsYield 0.28-0.15-0.070.150.03

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company

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. 0.00 Cr. and Equity Capital is Rs. 121.68 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)Grape Garden, No. 27, Bengaluru Karnataka 560095compliance@ujjivanfin.com
http://www.ujjivan.com
Management
NamePosition Held
Mr. Samit GhoshChairman & Non-Exe.Director
Mr. Anand NarayanNon Executive Director
Ms. Mona KachhwahaInd. Non-Executive Director
Mr. Sunil Vinayak PatelInd. Non-Executive Director
Mr. K R RamamoorthyInd. Non-Executive Director
Mr. Renzo Christopher ViegasInd. Non-Executive Director

Ujjivan Financial Services Ltd. Share Price Update

Share PriceValue
Today₹590.35
Previous Day₹590.35

FAQ

What is the intrinsic value of Ujjivan Financial Services Ltd and is it undervalued?

As of 05 April 2026, Ujjivan Financial Services Ltd's intrinsic value is ₹808.37, which is 37.01% higher than the current market price of ₹590.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (32.1 %), book value (₹299), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Ujjivan Financial Services Ltd?

Ujjivan Financial Services Ltd is trading at ₹590.00 as of 05 April 2026, with a FY2026-2027 high of ₹ and low of ₹. Market cap stands at ₹7,179 Cr..

How does Ujjivan Financial Services Ltd's P/E ratio compare to its industry?

Ujjivan Financial Services Ltd has a P/E ratio of 8.75, which is below the industry average of 171.25. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Ujjivan Financial Services Ltd financially healthy?

Key indicators for Ujjivan Financial Services Ltd: ROCE of 10.3 % is moderate; ROE of 32.1 % shows strong shareholder returns. Dividend yield is 0.00 %.

Is Ujjivan Financial Services Ltd profitable and how is the profit trend?

Ujjivan Financial Services Ltd reported a net profit of ₹1,140 Cr in Mar 2023 on revenue of ₹4,556 Cr. Compared to ₹299 Cr in Mar 2020, the net profit shows an improving trend.

Does Ujjivan Financial Services Ltd pay dividends?

Ujjivan Financial Services Ltd has a dividend yield of 0.00 % at the current price of ₹590.00. The company is currently not paying meaningful dividends.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Ujjivan Financial Services Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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