Share Price and Basic Stock Data
Last Updated: October 3, 2025, 10:35 pm
| PEG Ratio | 0.37 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Ujjivan Financial Services Ltd has carved a niche in India’s competitive financial services landscape. As of December 2023, the company reported a robust revenue of ₹1,576 Cr for the quarter, showcasing a consistent upward trajectory from ₹772 Cr in December 2020. This growth trajectory is particularly notable given the challenges posed by the pandemic and subsequent economic fluctuations. For the trailing twelve months (TTM), revenue stood at ₹5,678 Cr, a significant increase from ₹4,556 Cr reported in March 2023. This indicates an effective scaling of operations, highlighting Ujjivan’s ability to navigate market challenges while expanding its customer base and product offerings. The company’s core business appears strong, driven by a focus on microfinance and affordable housing loans, which are crucial segments in India’s evolving financial landscape.
Profitability and Efficiency Metrics
Ujjivan’s profitability metrics paint a positive picture, with a net profit of ₹1,120 Cr for the TTM, translating into an impressive earnings per share (EPS) of ₹67.44. The operating profit margin (OPM) stood at 62% for the latest quarter, reflecting a solid operational efficiency that positions the company favorably against industry peers. Furthermore, the return on equity (ROE) at 32.1% signals strong shareholder value creation. However, the return on capital employed (ROCE) at 10.3% suggests there is room for improvement in utilizing capital more effectively. The interest coverage ratio of 2.13x indicates that while Ujjivan can meet its interest obligations comfortably, it operates in a sector where interest costs can be a significant burden. Overall, while profitability metrics are strong, the company must continue to optimize its capital allocation to sustain growth.
Balance Sheet Strength and Financial Ratios
The balance sheet of Ujjivan Financial Services reflects a mixed bag of strengths and potential concerns. As of December 2023, total borrowings stood at ₹34,774 Cr, significantly higher than reserves of ₹3,515 Cr, which raises questions about leverage. The high debt-to-equity ratio of 9.39x indicates that the company is heavily reliant on borrowed funds, a factor that could pose risks in a rising interest rate environment. However, the current ratio of 6.39x demonstrates a strong liquidity position, suggesting that Ujjivan can cover its short-term liabilities comfortably. This liquidity cushion is vital in the financial sector, where cash flow management is critical. Moreover, the price-to-book value (P/BV) ratio of 0.96x indicates that the stock trades close to its intrinsic value, making it potentially attractive for value-oriented investors.
Shareholding Pattern and Investor Confidence
Ujjivan’s shareholding pattern reveals a diverse base of investors, with foreign institutional investors (FIIs) holding 35.34% and domestic institutional investors (DIIs) at 7.36%. The public holds a substantial 57.30%, reflecting a broad interest in the company. The rise in FII ownership from 22.94% in June 2021 to the current level indicates growing confidence among foreign investors in Ujjivan’s long-term prospects. The number of shareholders has also seen fluctuations, standing at 96,524 as of March 2024, which suggests a healthy engagement from retail investors as well. However, this broad-based ownership can sometimes lead to volatility, especially if market sentiments shift. Overall, the shareholding pattern underlines a stable investor base, which is crucial for long-term sustainability.
Outlook, Risks, and Final Insight
Looking ahead, Ujjivan Financial Services faces both opportunities and challenges. The expanding microfinance sector presents significant growth potential, especially with increasing financial inclusion initiatives in India. However, the high leverage and dependency on borrowings pose risks, particularly if interest rates continue to rise or if there are macroeconomic downturns. Additionally, the company’s ability to maintain its operational efficiency amid competitive pressures will be critical. Investors should remain vigilant about these risks while considering Ujjivan’s strong profitability and solid revenue growth. The balance sheet dynamics, with high borrowing levels, warrant close monitoring. Overall, Ujjivan’s growth story is compelling, but it is essential for investors to evaluate their risk tolerance and market conditions before making investment decisions.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| MKVentures Capital Ltd | 404 Cr. | 1,052 | 2,300/1,000 | 52.3 | 287 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 67.2 Cr. | 40.0 | 57.8/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 48.0 Cr. | 89.0 | 161/68.6 | 200 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 61.1 Cr. | 46.9 | 76.2/37.0 | 54.1 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 11.3 Cr. | 30.3 | 165/26.5 | 70.4 | 12.1 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 20,960.33 Cr | 1,504.26 | 48.23 | 3,630.28 | 0.38% | 11.38% | 25.55% | 6.85 |
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.
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% |
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: | 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: 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.
Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|
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.
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% |
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 | 1,244,712 | 2025-04-22 16:43:23 | 0% |
| Sundaram Small Cap Fund | 1,219,075 | 2.27 | 69.46 | 1,219,075 | 2025-04-22 16:43:23 | 0% |
| Sundaram Financial Services Opportunities Fund | 840,477 | 4.19 | 47.89 | 840,477 | 2025-04-22 16:43:23 | 0% |
| Sundaram Financial Services Opportunities Fund - Institutional Plan | 840,477 | 4.19 | 47.89 | 840,477 | 2025-04-22 16:43:23 | 0% |
| Mahindra Manulife Small Cap Fund | 823,294 | 1.34 | 46.91 | 823,294 | 2025-04-22 16:43:23 | 0% |
| Sundaram Long Term Micro Cap Tax Advantage Fund - Series III | 21,959 | 1.5 | 1.25 | 21,959 | 2025-04-22 16:43:23 | 0% |
| Groww ELSS Tax Saver Fund | 17,386 | 2.29 | 0.99 | 17,386 | 2025-04-22 13:36:34 | 0% |
| Sundaram Long Term Micro Cap Tax Advantage Fund - Series VI | 10,868 | 1.49 | 0.62 | 10,868 | 2025-04-22 16:43:23 | 0% |
| Sundaram Long Term Micro Cap Tax Advantage Fund - Series IV | 10,654 | 1.52 | 0.61 | 10,654 | 2025-04-22 16:43:23 | 0% |
| Sundaram Long Term Tax Advantage Fund - Series III | 9,729 | 1.49 | 0.55 | 9,729 | 2025-04-22 16:43:23 | 0% |
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.
Strength and Weakness
| Strength | Weakness |
|---|---|
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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:
- 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.
- ROCE: 10.04% (Industry Average ROCE: 11.38%)
- 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.
- ROE%: 27.63% (Industry Average ROE: 25.55%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- 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.
- 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.
- Stock P/E: 8.75 (Industry average Stock P/E: 48.23)
- 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.
- 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.
Stock Rating: - Net Profit Margin: 25.79%
About the Company
| 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 |
Ujjivan Financial Services Ltd. Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹590.35 |
| Previous Day | ₹590.35 |
FAQ
What is the intrinsic value of Ujjivan Financial Services Ltd?
Ujjivan Financial Services Ltd's intrinsic value (as of 04 December 2025) is 685.29 which is 16.15% higher the current market price of 590.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 7,179 Cr. market cap, FY2025-2026 high/low of /, reserves of ₹3,515 Cr, and 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 04 December 2025?
The current stock price of Ujjivan Financial Services Ltd as on 04 December 2025 is 590.
What is the High / Low of Ujjivan Financial Services Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Ujjivan Financial Services Ltd stocks is /.
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 0.00 %.
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.