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UJJIVAN FINANCIAL SERVICES
Intrinsic Value | Fundamental Analysis

BOM : 539874     NSE : UJJIVAN    
LT :  
    Long Term Analysis
Fundamentals : Average
Valuation : Good [Stock is Cheap]
Debt : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Upward
Pledged Shares : None or < 25%
Nov 30,2022
Price(EOD): ₹ 286.05
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Finance Term Lending
MCap: ₹ 3,481.23 Cr
Value of ₹ 1 Lac invested in UJJIVAN FINANCIAL SERVICES
on Nov 30,2017 (price: ₹ 388.15)

₹ 1 L

₹ 0.74 L

1W : -5.3% 1M : 16.7% 1Y : 105%
COMMUNITY POLL
for UJJIVAN FINANCIAL SERVICES
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UJJIVAN FINANCIAL SERVICES is part of below Screeners ↓
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Industry Peers & Returns1W1M1Y
UJJIVAN FINANCIAL SERVICES -5.3% 16.7% 105%
POWER FINANCE CORPORATION 5.4% 18.4% 12.9%
REC 6.7% 7.6% 12.1%
INDIAN RAILWAY FINANCE CORPORATION 6.3% 45% 51%
MAS FINANCIAL SERVICES -1.2% 10.9% 16.8%
IFCI 1.9% 28.9% 11.5%
SATIN CREDITCARE NETWORK 5% -4.6% 91.1%
TOURISM FINANCE CORPORATION OF INDIA -1.1% -7.2% 26.9%
GUJARAT STATE FINANCIAL CORPORATION 0.6% -0.8% -5.6%

FUNDAMENTAL ANALYSIS OF UJJIVAN FINANCIAL SERVICES

 
Fundamentals Score
[ Q(TTM): Sep2022, Y: Mar2022
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF UJJIVAN FINANCIAL SERVICES

 
Valuation Score
[As on : Nov 30,2022 ]

Ratio Consolidated
P/E
P/B
P/S
6.36
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 547.64 Cr
[Latest Qtr - Sep2022 - Consolidated Results ]

1.54
P/B Calculated based on Book Value of Rs 2,256.24 Cr
[Latest Year - Mar2022 - Consolidated Results ]

0.97
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 3,604.40 Cr
[Latest Qtr - Sep2022 - Consolidated Results ]

Financial Ratios →

Insights 💡 UJJIVAN is one of the potential top 16% undervalued companies ! Discover More →

FAIR VALUE OF UJJIVAN FINANCIAL SERVICES

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
-14%
-72%
-61%

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SHARE PRICE MOMENTUM OF UJJIVAN FINANCIAL SERVICES


Insights 💡 UJJIVAN is one of the top 32% companies with bullish price momentum currently! Discover More →

UJJIVAN FINANCIAL SERVICES vs SENSEX


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DEBT OF UJJIVAN FINANCIAL SERVICES

Year Debt/Equity ratio
Standalone Consolidated
2022
2021
2020
Avg_3yrs
0
0
0
-
9.12
6.69
5.26
7.02
[Last Annual Data : Mar2022]
Financial Ratios →

PLEDGED PROMOTER SHARES OF UJJIVAN FINANCIAL SERVICES

Pledged Promoter Shares
0 %
As on : Sep2022

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF UJJIVAN FINANCIAL SERVICES

Consolidated Q-o-Q Y-o-Y
Revenue
Op Profit
Profit Before Tax
Profit After Tax
3.32%
10.84%
15.09%
6.8%
41.22%
250.3%
581.39%
562.54%
QtrlyTrend
8
Latest Qtr: Sep2022
Quarterly Result Analysis →


UJJIVAN FINANCIAL SERVICES related INDICES

BSE Indices1W1M1Y
S&P BSE ALLCAP 2.6% 4.5% 5.6%
S&P BSE MIDSMALLCAP 2.5% 3.3% 1.8%
S&P BSE SMALL CAP 2.2% 2.9% 2.4%
S&P BSE FINANCE 1.7% 5.8% 6.3%
No NSE index found

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FAQ about UJJIVAN FINANCIAL SERVICES


Is UJJIVAN FINANCIAL SERVICES good for long term investment?

As on Nov 30,2022, the Fundamentals of UJJIVAN FINANCIAL SERVICES look Average and hence you may wait for the results to improve to invest for long term ! See Financial Performance of UJJIVAN FINANCIAL SERVICES . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is UJJIVAN FINANCIAL SERVICES UnderValued or OverValued?

As on Nov 30,2022, UJJIVAN FINANCIAL SERVICES is Under Valued based on the estimates of intrinsic value and hence may be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of UJJIVAN FINANCIAL SERVICES ?

As on Nov 30,2022, the Intrinsic Value of UJJIVAN FINANCIAL SERVICES is Rs. 742.92 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 333.80
Fair Value [Median EV / Sales Model] : Rs. 1,010.25
Fair Value [Median Price / Sales Model] : Rs. 742.92
Estimated Median Fair Value of UJJIVAN FINANCIAL SERVICES : Rs. 742.92

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is UJJIVAN FINANCIAL SERVICES trading at a Premium or Discount?

As on Nov 30,2022, UJJIVAN FINANCIAL SERVICES is trading at a Discount of -61% based on the estimates of Median Intrinsic Value!

SEBI Research Analyst
The Founder of this website, Mr. Rohit Katiyar is registered with SEBI as a Research Analyst [INH000007377].