Today's Low
₹ 525.00
Today's High
₹ 535.80
52 Weeks Low
₹ 120.75
52 Weeks High
₹ 313.35
Lower
₹ 421.00
Upper
₹ 631.50
Ujjivan Financial Services Limited provides financial services to economically active poor in India. It offers micro and rural finance products, housing loans; personal loans, vehicle loans, institutional loans, agri loans, and staff loans, as well as secured and unsecured loans to micro and small businesses. The company also provides group and individual insurance products. As of March 31, 2021, it operated 575 branches. The company was formerly known as Ujjivan Financial Services Private Limited and changed its name to Ujjivan Financial Services Limited in November 2015. Ujjivan Financial Services Limited was incorporated in 2004 and is headquartered in Bengaluru, India.
No of shares Outstanding
EPS-TTM
Face Value
Book Value
Net Asset Value
ROE
ROA
ROCE
Dividend Yield
Total Debt
Sales Growth
PAT Growth
Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
---|---|---|---|---|---|---|---|
Current Assets | 34,399.4 | 23,291.2 | 19,015.5 | 17,774.5 | 13,642.1 | 9,213.1 | 6,574.3 |
Non-Current Assets | 753.8 | 717.6 | 850.4 | 847.4 | 307.9 | 217.2 | 2,137.9 |
Total Assets | 35,153.3 | 24,008.8 | 19,865.9 | 18,621.9 | 13,950.0 | 9,430.2 | 8,712.2 |
Current Liabilities | 0.0 | 0.0 | 0.0 | 1,312.0 | 607.0 | 164.8 | 3,727.0 |
Non-Current Liabilities | 29,997.2 | 20,394.2 | 15,994.7 | 14,123.9 | 11,457.4 | 7,527.2 | 2,849.3 |
Total Equity | 3,223.5 | 2,322.6 | 2,512.2 | 2,839.6 | 1,877.7 | 1,731.9 | 1,755.8 |
Total Liabilities & Total Equity | 35,153.3 | 24,008.8 | 19,865.9 | 18,621.9 | 13,950.0 | 9,430.2 | 8,712.2 |
The Industry Quick Ratio stands at 7.92, vs the Quick Ratio of 13.39, which results in a Positive aspect.
The Industry Price to BV stands at 2.49, vs the Price to BV of 1.64, which results in a Negative aspect.
The Industry Debt to Equity Ratio stands at 8.51, vs the Debt to Equity Ratio of 5.26, which results in a Positive aspect.
The Industry Current Ratio stands at 7.92, vs the Current Ratio of 13.39, which results in a Positive aspect.
Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
---|---|---|---|---|---|---|---|
Total Income | 4,421.3 | 2,995.2 | 3,066.0 | 2,859.8 | 1,944.3 | 1,519.0 | 1,349.4 |
Total Expenditure | 1,592.8 | 2,172.0 | 2,209.5 | 1,272.6 | 1,023.0 | 862.0 | 520.5 |
Operating Profit(Excl OI) | 3,186.7 | 922.2 | 971.5 | 1,696.8 | 991.8 | 687.6 | 877.1 |
Add: Other Income | 358.2 | 99.0 | 115.0 | 109.6 | 70.5 | 30.6 | 48.3 |
Operating Profit | 3,186.7 | 922.2 | 971.5 | 1,696.8 | 991.8 | 687.6 | 877.1 |
Less: Interest | 1,493.1 | 1,071.1 | 1,121.0 | 1,114.9 | 727.0 | 601.6 | 542.7 |
PBDT | 1,693.6 | -148.9 | -149.4 | 581.9 | 264.7 | 86.0 | 334.4 |
Less: Depreciation | 162.8 | 155.1 | 169.9 | 166.0 | 60.6 | 41.4 | 12.6 |
PBT & Exceptional Items | 1,530.8 | -304.0 | -319.3 | 415.9 | 204.1 | 44.6 | 321.7 |
Less: Exceptional Income Expenses | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Profit Before Tax | 1,530.8 | -304.0 | -319.3 | 415.9 | 204.1 | 44.6 | 321.7 |
Less: Taxation | 390.5 | -73.5 | -80.2 | 117.3 | 53.7 | 18.7 | 114.1 |
Profit After Tax | 1,140.3 | -230.5 | -239.1 | 298.7 | 150.4 | 26.0 | 207.7 |
Earnings Per Share | 0.7 | -0.2 | -0.2 | 0.2 | 0.1 | 0.0 | 0.0 |
The Industry PAT Margin stands at 22.43, vs the PAT Margin of 10.44, which results in a Negative aspect.
The Industry Dividend Yield stands at 2.16, vs the Dividend Yield of 0.95, which results in a Negative aspect.
The Industry PAT Growth stands at 21.56, vs the PAT Growth of 98.52, which results in a Positive aspect.
The Industry PE Ratio stands at 17.07, vs the PE Ratio of 7.81, which results in a Negative aspect.
Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
---|---|---|---|---|---|---|---|
Profit Before Tax | 1,530.8 | -304.0 | -319.3 | 415.9 | 204.1 | 44.6 | 321.7 |
Tax Paid | -249.7 | -22.4 | -216.3 | -113.1 | -40.9 | -43.4 | -132.0 |
Adjustment | 63.7 | 1,000.5 | 1,351.1 | 379.0 | 138.4 | 285.7 | 60.7 |
Changes In Working Capital | 1,530.8 | -304.0 | -319.3 | 415.9 | 204.1 | 44.6 | 321.7 |
Cash Flow after changes in Working Capital | 2,322.3 | 2,848.6 | 1,828.0 | -2,351.0 | -3,206.6 | 2,233.9 | -450.6 |
Cash Flow from Operating Activities | 2,072.7 | 2,826.2 | 1,611.7 | -2,464.2 | -3,247.5 | 2,190.5 | -582.6 |
Cash Flow from Investing Activities | -4,554.1 | -1,785.5 | -214.8 | -1,087.0 | -447.8 | 112.9 | -1,559.2 |
Cash Flow from Financing Activities | 2,640.2 | -819.1 | -802.9 | 3,812.2 | 4,198.0 | -2,440.8 | 2,408.6 |
Net Cash Inflow / Outflow | 158.7 | 221.6 | 594.1 | 261.0 | 502.7 | -137.5 | 266.8 |
Opening Cash & Cash Equivalents | 2,155.4 | 1,933.8 | 1,339.9 | 1,078.8 | 576.2 | 713.7 | 446.7 |
Closing Cash & Cash Equivalent | 2,314.1 | 2,155.4 | 1,933.9 | 1,339.9 | 1,078.8 | 576.2 | 713.6 |
The Industry PFCF Ratio stands at -1.34, vs the PFCF Ratio of -0.63, which results in a Positive aspect.
The Industry PCF RATIO stands at -1.54, vs the PCF RATIO of -0.73, which results in a Positive aspect.
Particulars | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 | Sep 2021 | Jun 2021 | Mar 2021 | Dec 2020 | Sep 2020 | Jun 2020 | Mar 2020 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Sales | 15,756.7 | 14,962.2 | 13,750.5 | 12,312.5 | 11,442.6 | 10,396.5 | 10,062.0 | 8,504.6 | 7,080.9 | 7,362.0 | 7,004.1 | 7,166.5 | 7,717.4 | 7,937.7 | 7,838.1 | 7,864.9 |
Total Income | 16,346.1 | 15,581.8 | 14,559.5 | 13,282.5 | 11,943.4 | 10,995.1 | 10,566.8 | 8,917.2 | 7,324.8 | 7,319.0 | 7,360.8 | 7,321.6 | 7,920.9 | 8,284.7 | 8,282.8 | 8,052.1 |
Total Expenditure | 5,996.4 | 5,302.5 | 5,096.8 | 5,156.4 | 3,652.8 | 2,854.1 | 3,257.1 | 4,089.8 | 6,765.8 | 5,209.0 | 5,635.4 | 2,809.1 | 11,562.8 | 3,788.7 | 3,934.0 | 3,603.7 |
PBIDT (Excl OI) | 9,760.3 | 9,659.7 | 8,653.7 | 7,156.1 | 7,789.8 | 7,542.4 | 6,804.9 | 4,414.8 | 315.1 | 2,153.0 | 1,368.8 | 4,357.4 | -3,845.4 | 4,149.0 | 3,904.1 | 4,261.2 |
Other Income | 589.4 | 619.6 | 809.0 | 970.0 | 500.8 | 598.6 | 504.8 | 412.7 | 243.9 | -43.0 | 356.6 | 155.0 | 203.4 | 347.0 | 444.7 | 187.2 |
Operating Profit | 10,349.7 | 10,279.3 | 9,462.7 | 8,126.1 | 8,290.6 | 8,141.0 | 7,309.7 | 4,827.4 | 559.0 | 2,110.1 | 1,725.4 | 4,512.4 | -3,642.0 | 4,496.0 | 4,348.8 | 4,448.4 |
Interest | 6,165.8 | 5,720.8 | 4,994.8 | 4,526.0 | 3,907.0 | 3,372.9 | 3,125.4 | 2,822.2 | 2,613.7 | 2,616.5 | 2,658.4 | 2,751.5 | 2,621.6 | 2,894.2 | 2,942.2 | 2,902.2 |
Exceptional Items | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
PBDT | 4,183.9 | 4,558.5 | 4,467.9 | 3,600.1 | 4,383.6 | 4,768.1 | 4,184.3 | 2,005.3 | -2,054.8 | -506.4 | -933.0 | 1,760.9 | -6,263.5 | 1,601.8 | 1,406.6 | 1,546.2 |
Depreciation | 488.1 | 415.9 | 392.7 | 419.5 | 427.6 | 395.6 | 385.1 | 377.3 | 375.2 | 401.9 | 396.3 | 622.1 | 362.7 | 366.6 | 347.7 | 586.5 |
Profit Before Tax | 3,695.8 | 4,142.6 | 4,075.2 | 3,180.6 | 3,956.0 | 4,372.5 | 3,799.2 | 1,628.0 | -2,429.9 | -908.3 | -1,329.4 | 1,138.8 | -6,626.2 | 1,235.2 | 1,058.9 | 959.7 |
Tax | 880.9 | 1,054.4 | 1,091.1 | 863.7 | 976.2 | 1,218.9 | 846.5 | 442.2 | -614.3 | -226.5 | -336.0 | 299.0 | -1,718.9 | 337.6 | 280.1 | 185.4 |
Provisions and contingencies | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Profit After Tax | 2,814.9 | 3,088.2 | 2,984.1 | 2,316.9 | 2,979.8 | 3,153.6 | 2,952.7 | 1,185.8 | -1,815.6 | -681.8 | -993.3 | 839.8 | -4,907.3 | 897.6 | 778.8 | 774.3 |
Net Profit | 2,814.9 | 3,088.2 | 2,984.1 | 2,316.9 | 2,979.8 | 3,153.6 | 2,952.7 | 1,185.8 | -1,815.6 | -681.8 | -993.3 | 839.8 | -4,907.3 | 897.6 | 778.8 | 774.3 |
ADDITIONAL INFOS: | ||||||||||||||||
Equity Capital | 1,217.5 | 1,217.1 | 1,216.8 | 1,216.8 | 1,216.8 | 1,216.8 | 1,216.8 | 1,216.8 | 1,216.8 | 1,216.7 | 1,216.6 | 1,216.6 | 1,216.5 | 1,216.1 | 1,216.1 | 1,216.0 |
Reserves | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
EPS | 17.1 | 18.6 | 18.1 | 13.7 | 18.1 | 21.1 | 20.2 | 8.1 | -12.4 | -4.7 | -6.8 | 5.8 | -33.6 | 6.2 | 5.4 | 5.3 |
Operating Profit Margin | 65.7 | 68.7 | 68.8 | 66.0 | 72.5 | 78.3 | 72.6 | 56.8 | 7.9 | 28.7 | 24.6 | 63.0 | -47.2 | 56.6 | 55.5 | 56.6 |
Net Profit Margin | 17.9 | 20.6 | 21.7 | 18.8 | 26.0 | 30.3 | 29.3 | 13.9 | -25.6 | -9.3 | -14.2 | 11.7 | -63.6 | 11.3 | 9.9 | 9.8 |
The Industry Mcap Growth stands at 7.18, vs the Mcap Growth of -57.15, which results in a Negative aspect.
The Industry Net Sales Growth stands at 14.52, vs the Net Sales Growth of 47.09, which results in a Positive aspect.
Type | Classic | Woodie | Camarilla |
---|---|---|---|
R4 | 547.85 | 560.73 | 532.19 |
R3 | 543.83 | 542.45 | 529.22 |
R2 | 539.82 | 539.13 | 528.23 |
R1 | 533.03 | 531.65 | 527.24 |
Pivot | 529.02 | 528.33 | 529.02 |
S1 | 522.23 | 520.85 | 525.26 |
S2 | 518.22 | 517.53 | 524.27 |
S3 | 511.43 | 510.05 | 523.28 |
S4 | 504.65 | 495.93 | 520.31 |
(All Values are in INR)
1 Day
1 Week
1 Month
Stoch RSI
55.07
Neutral
RSI
46.60
Neutral
ROC
10.46
Bullish
UltimateOscillator
40.14
Neutral
Williams Indicator
-46.40
Neutral
CCI Indicator
6.92
Neutral
MACD
-2,536.25
Bearish
Stochastic Indicator
52.95
Neutral
ATR
20.03
High Volatility
Ex-Date | Ratio | Record Date |
---|
Ex-Date | Ratio | Record Date |
---|---|---|
Announcement Date | Dividend Amount | Dividend Percentage of FV | Dividend Type |
---|---|---|---|
01-09-2023 | 3.50 | 35 | Interim |
20-03-2023 | 5.00 | 50 | Interim |
Date Of Conduct | Board Meeting Details |
---|---|
02-02-2024 | Quarterly Results |
06-11-2023 | Quarterly Results |
23-08-2023 | Interim Dividend |
07-08-2023 | Quarterly Results |
18-05-2023 | Audited Results |
10-03-2023 | Interim Dividend |
09-02-2023 | Quarterly Results |
11-11-2022 | Quarterly Results |
04-08-2022 | Quarterly Results |
19-05-2022 | Audited Results |
11-02-2022 | Quarterly Results |
13-11-2021 | Quarterly Results |
12-08-2021 | Quarterly Results |
28-05-2021 | Audited Results |