Market Cap ₹7190 Cr.
Stock P/E 8.8
P/B 1.8
Current Price ₹590.4
Book Value ₹ 321.7
Face Value 10
52W High ₹614.7
Dividend Yield 0.85%
52W Low ₹ 283.4
Ujjivan Financial Services Ltd, formerly Ujjivan Financial Services Pvt Ltd, is a non-banking finance business enterprise engaged inside the micro finance lending business. The Company's services and products include Microfinance, Micro and Small Enterprise Business (MSE) Finance, Agriculture and Animal Husbandry Finance, and Housing Finance. Its merchandise are categorised below two categories: Group Loans and Individual Loans. Its merchandise are similarly sub-divided into agricultural, education, home development, home purchase and cattle loans. MSE and Housing loans are each secured and unsecured mortgage merchandise, which can be had for both current and open marketplace clients. It serves economically poor in city and semi city regions. Through its partnership with Bajaj Allianz Life Insurance Company, it offers life insurance to its customers and their spouses. It operates through approximately 470 branches spread over 20 states in approximately all four regions.
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 736 | 708 | 850 | 1008 | 1040 | 1144 | 1231 | 1375 | 1496 | 1576 |
| Other Income | -4 | 24 | 41 | 50 | 60 | 50 | 97 | 81 | 62 | 59 |
| Total Income | 732 | 732 | 892 | 1058 | 1100 | 1194 | 1328 | 1456 | 1558 | 1635 |
| Total Expenditure | 521 | 677 | 409 | 327 | 285 | 365 | 516 | 510 | 530 | 600 |
| Operating Profit | 211 | 56 | 483 | 731 | 814 | 829 | 813 | 946 | 1028 | 1035 |
| Interest Expense | 262 | 261 | 282 | 313 | 337 | 391 | 453 | 499 | 572 | 617 |
| Depreciation | 40 | 38 | 38 | 39 | 40 | 43 | 42 | 39 | 42 | 49 |
| Profit Before Tax | -91 | -243 | 163 | 380 | 437 | 396 | 318 | 408 | 414 | 370 |
| Provision for Tax | -23 | -61 | 44 | 85 | 122 | 98 | 86 | 109 | 105 | 88 |
| Profit After Tax | -68 | -182 | 119 | 295 | 315 | 298 | 232 | 298 | 309 | 281 |
| Adjustments | 11 | 30 | -20 | -49 | -58 | -78 | -65 | -78 | -83 | -74 |
| Profit After Adjustments | -57 | -151 | 99 | 246 | 257 | 220 | 167 | 220 | 226 | 208 |
| Adjusted Earnings Per Share | -4.7 | -12.4 | 8.1 | 20.2 | 21.1 | 18.1 | 13.7 | 18.1 | 18.6 | 17.1 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1349 | 1519 | 1944 | 2860 | 3066 | 2995 | 4421 | 5678 |
| Other Income | 48 | 31 | 71 | 110 | 115 | 99 | 358 | 299 |
| Total Income | 1398 | 1550 | 2015 | 2969 | 3181 | 3094 | 4780 | 5977 |
| Total Expenditure | 521 | 862 | 1023 | 1273 | 2209 | 2172 | 1593 | 2156 |
| Operating Profit | 877 | 688 | 992 | 1697 | 972 | 922 | 3187 | 3822 |
| Interest Expense | 543 | 602 | 727 | 1115 | 1121 | 1071 | 1493 | 2141 |
| Depreciation | 13 | 41 | 61 | 166 | 170 | 155 | 163 | 172 |
| Profit Before Tax | 322 | 45 | 204 | 416 | -319 | -304 | 1531 | 1510 |
| Provision for Tax | 114 | 19 | 54 | 117 | -80 | -73 | 391 | 388 |
| Profit After Tax | 208 | 26 | 150 | 299 | -239 | -231 | 1140 | 1120 |
| Adjustments | 0 | 0 | 0 | -16 | 40 | 39 | -250 | -300 |
| Profit After Adjustments | 208 | 26 | 150 | 282 | -199 | -192 | 891 | 821 |
| Adjusted Earnings Per Share | 17.4 | 2.1 | 12.4 | 23.2 | -16.3 | -15.8 | 73.2 | 67.5 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 48% | 16% | 24% | 0% |
| Operating Profit CAGR | 246% | 23% | 36% | 0% |
| PAT CAGR | 0% | 56% | 113% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 108% | 43% | 14% | NA% |
| ROE Average | 42% | 8% | 9% | 8% |
| ROCE Average | 11% | 6% | 7% | 8% |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 1756 | 1732 | 1878 | 2840 | 2512 | 2323 | 3224 |
| Minority's Interest | 0 | 0 | 0 | 331 | 438 | 400 | 1019 |
| Borrowings | 2839 | 7600 | 11507 | 14181 | 16293 | 20764 | 30281 |
| Current Liability | 4107 | 171 | 615 | 1327 | 921 | 892 | 914 |
| Other Liabilities & Provisions | 10 | -73 | -50 | -57 | -298 | -370 | -284 |
| Total Liabilities | 8712 | 9430 | 13950 | 18622 | 19866 | 24009 | 35153 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 357 | 0 | 0 | 0 | 97 | 13 | 13 |
| Fixed Assets | 137 | 194 | 282 | 799 | 718 | 666 | 684 |
| Other Loans | 1611 | 19 | 23 | 28 | 30 | 33 | 40 |
| Other Non Current Assets | 33 | 4 | 2 | 21 | 5 | 6 | 18 |
| Current Assets | 6574 | 9213 | 13642 | 17775 | 19015 | 23291 | 34399 |
| Total Assets | 8712 | 9430 | 13950 | 18622 | 19866 | 24009 | 35153 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 447 | 714 | 576 | 1079 | 1340 | 1934 | 2155 |
| Cash Flow from Operating Activities | -583 | 2190 | -3248 | -2464 | 1612 | 2826 | 2073 |
| Cash Flow from Investing Activities | -1559 | 113 | -448 | -1087 | -215 | -1785 | -4554 |
| Cash Flow from Financing Activities | 2409 | -2441 | 4198 | 3812 | -803 | -819 | 2640 |
| Net Cash Inflow / Outflow | 267 | -137 | 503 | 261 | 594 | 222 | 159 |
| Closing Cash & Cash Equivalent | 714 | 576 | 1079 | 1340 | 1934 | 2155 | 2314 |
| # | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 17.4 | 2.15 | 12.42 | 23.21 | -16.34 | -15.75 | 73.2 |
| CEPS(Rs) | 18.45 | 5.57 | 17.42 | 38.21 | -5.69 | -6.2 | 107.09 |
| DPS(Rs) | 0.8 | 0.5 | 1.3 | 0.8 | 0 | 0 | 5 |
| Book NAV/Share(Rs) | 146.88 | 141.67 | 152.28 | 228.56 | 200.08 | 185.42 | 259.88 |
| Net Profit Margin | 15.39 | 1.71 | 7.74 | 10.44 | -7.8 | -7.7 | 25.79 |
| Operating Margin | 64.06 | 42.54 | 47.89 | 53.53 | 26.15 | 25.61 | 68.39 |
| PBT Margin | 23.84 | 2.94 | 10.5 | 14.54 | -10.42 | -10.15 | 34.62 |
| ROA(%) | 2.38 | 0.29 | 1.29 | 1.83 | -1.24 | -1.05 | 3.85 |
| ROE(%) | 11.84 | 1.5 | 8.46 | 12.92 | -9.17 | -9.83 | 42.09 |
| ROCE(%) | 10.61 | 7.38 | 8.07 | 9.82 | 4.42 | 3.66 | 10.69 |
| Price/Earnings(x) | 24.37 | 160.95 | 28.02 | 6.4 | 0 | 0 | 3.5 |
| Price/Book(x) | 2.89 | 2.44 | 2.28 | 0.65 | 1.05 | 0.55 | 0.99 |
| Dividend Yield(%) | 0.19 | 0.14 | 0.37 | 0.54 | 0 | 0 | 1.95 |
| EV/Net Sales(x) | 7.92 | 7.37 | 7.69 | 5.27 | 5.3 | 6.62 | 6.99 |
| EV/Core EBITDA(x) | 12.19 | 16.27 | 15.09 | 8.88 | 16.72 | 21.49 | 9.7 |
| Interest Earned Growth(%) | 0 | 12.57 | 28 | 47.09 | 7.21 | -2.31 | 47.62 |
| Net Profit Growth | 0 | -87.5 | 479.71 | 98.52 | -180.06 | 3.6 | 594.7 |
| EPS Growth(%) | 0 | -87.66 | 478.26 | 86.97 | -170.38 | 3.58 | 564.67 |
| Interest Coverage(x) % | 1.59 | 1.07 | 1.28 | 1.37 | 0.72 | 0.72 | 2.03 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 26.65 | 28.22 | 30.71 | 30.57 | 31.82 | 31.14 | 40.48 | 36.47 | 34.98 | 35.34 |
| DII | 12.69 | 12.43 | 10.67 | 1.35 | 1.19 | 2.13 | 3.86 | 6.02 | 7.43 | 7.36 |
| Public | 60.66 | 59.35 | 58.62 | 68.09 | 66.99 | 66.73 | 55.66 | 57.51 | 57.58 | 57.3 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 3.24 | 3.43 | 3.74 | 3.72 | 3.87 | 3.79 | 4.93 | 4.44 | 4.26 | 4.3 |
| DII | 1.54 | 1.51 | 1.3 | 0.16 | 0.14 | 0.26 | 0.47 | 0.73 | 0.91 | 0.9 |
| Public | 7.38 | 7.22 | 7.13 | 8.28 | 8.15 | 8.12 | 6.77 | 7 | 7.01 | 6.98 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 12.17 | 12.17 | 12.17 | 12.17 | 12.17 | 12.17 | 12.17 | 12.17 | 12.18 | 12.18 |
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