Stock UJJIVAN UJJIVAN FINANCIAL SERVICES LIMITED
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Financials Ujjivan Financial Services Limited

Equities

UJJIVAN

INE334L01012

Consumer Lending

Market Closed - NSE India S.E.
Other stock markets
 07:40:49 2024-04-29 am EDT 		5-day change 1st Jan Change
566.8 INR +1.27% Intraday chart for Ujjivan Financial Services Limited +2.78% +0.31%
Feb. 02 Ujjivan Financial Services Limited Reports Earnings Results for the Third Quarter and Nine Months Ended December 31, 2023 CI
2023 Ujjivan Financial Services Limited Reports Earnings Results for the Second Quarter and Six Months Ended September 30, 2023 CI

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 42,142 18,050 25,584 12,393 31,180 69,028 - -
Enterprise Value (EV) 1 42,142 18,050 25,584 12,393 31,180 69,028 69,028 69,028
P/E ratio 21.3 x 6.4 x -12.9 x -6.46 x 3.5 x 7.09 x 6.3 x 5.53 x
Yield 0.37% 0.54% 0.38% - 3.9% 1.06% 1.24% 1.41%
Capitalization / Revenue 3.2 x 0.97 x 1.24 x 0.61 x 0.98 x 1.65 x 1.35 x 1.12 x
EV / Revenue 3.2 x 0.97 x 1.24 x 0.61 x 0.98 x 1.65 x 1.35 x 1.12 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 2.2 x 0.64 x 0.96 x 0.53 x 0.97 x 1.32 x 1.1 x 0.92 x
Nbr of stocks (in thousands) 121,167 121,587 121,656 121,678 121,678 121,785 - -
Reference price 2 347.8 148.4 210.3 101.8 256.2 566.8 566.8 566.8
Announcement Date 5/30/19 5/27/20 5/28/21 5/19/22 5/18/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 13,175 18,545 20,600 20,211 31,856 41,768 51,104 61,412
EBITDA - - - - - - - -
EBIT 3,105 5,904 8,459 - 14,316 - - -
Operating Margin 23.57% 31.84% 41.06% - 44.94% - - -
Earnings before Tax (EBT) 2,699 4,159 -3,193 -3,040 15,308 - - -
Net income 1,984 2,823 -1,988 -1,917 8,907 - - -
Net margin 15.06% 15.22% -9.65% -9.48% 27.96% - - -
EPS 2 16.30 23.21 -16.34 -15.76 73.20 79.96 90.00 102.6
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 1.300 0.8000 0.8000 - 10.00 6.000 7.000 8.000
Announcement Date 5/30/19 5/27/20 5/28/21 5/19/22 5/18/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2
Net sales 1 5,299 4,570 - - - - - 10,995
EBITDA - - - - - - - -
EBIT 1,823 1,768 1,348 1,708 875.9 1,899 3,350 -
Operating Margin 34.41% 38.69% - - - - - -
Earnings before Tax (EBT) - - - - - - - -
Net income - - -826.9 -567.4 -1,512 989.5 2,461 -
Net margin - - - - - - - -
EPS - - - - - - - -
Dividend per Share - - - - - - - -
Announcement Date 2/10/21 5/28/21 8/12/21 11/13/21 2/11/22 5/19/22 8/4/22 11/11/22
1INR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 10.7% 12% -7.23% -7.7% 32.1% 27.9% 24.8% 24.3%
ROA (Net income/ Total Assets) 1.7% 1.72% -1.02% -1.03% 2.97% 3.3% 2.9% 2.8%
Assets 116,706 163,687 194,598 186,110 299,543 - - -
Book Value Per Share 1 158.0 234.0 219.0 191.0 265.0 428.0 515.0 614.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 5/30/19 5/27/20 5/28/21 5/19/22 5/18/23 - - -
1INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
2
Last Close Price
566.8 INR
Average target price
335.5 INR
Spread / Average Target
-40.81%
Consensus

EPS Revisions

Estimates Revisions

Annual profits - Rate of surprise

Company calendar

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