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Ujjivan Financial [Merged] Key Ratios

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NSE: UJJIVAN | BSE: 539874

₹589.50

up-down-arrow ₹15.05 (2.62%)

As on 02-May-2024IST

Market cap

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₹7,190 Cr

Revenue (TTM)

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₹5,678 Cr

P/E Ratio

info icon

8.8

P/B Ratio

info icon

1.8

Div. Yield

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0.8 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 5.31 37.70 40.48 21.89 25.86
EBIT 0.31 25.94 34.24 70.13 32.02
Net Profit -7.93 -5.67 30.09 20.94 25.55
EPS -7.96 -5.72 -0.22 81.79 36.50
Book Value -- -- 40.15 4.37 12.90
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-23Mar-22
EBIT-Margin info 97.3739.7959.0260.2922.31
Net Margin info 85.005.2818.7523.86-7.45
Return on equity info 2.098.8923.9342.09-9.83
Return on Assets info 2.060.943.213.85-1.05

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
--
10.69
3.66
4.42
9.82
Peer Median
--
9.14
6.69
6.40
9.36
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

23.93

Higher than Peers by 15.27

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
23.93
42.09
-9.83
-9.17
12.92
Peer Median
8.66
8.66
3.91
4.15
9.17
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

3.21

Higher than Peers by 0.60

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
3.21
3.85
-1.05
-1.24
1.83
Peer Median
2.61
2.67
1.71
1.45
1.97
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

59.02

Lower than Peers by 11.18

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
59.02
60.29
22.31
22.39
49.70
Peer Median
70.21
97.28
57.74
45.84
56.70
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

18.75

Lower than Peers by 5.24

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
18.75
23.86
-7.45
-7.52
10.06
Peer Median
23.98
51.92
19.92
18.04
17.74
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

--

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
--
29.47
-2.52
-2.26
16.25
Peer Median
--
0.00
0.00
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

40.48

Higher than Peers by 21.54

Year on year growth in net sales

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
40.48
47.62
-2.31
7.21
47.09
Peer Median
18.94
34.70
13.78
9.10
4.85
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

34.24

Higher than Peers by 16.56

Year on year growth in operating profit (EBIT)

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
34.24
299.01
-2.70
-51.69
65.14
Peer Median
17.68
38.04
29.81
14.06
-1.79
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

30.09

Higher than Peers by 11.44

Year on year growth in profit after tax

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
30.09
594.70
3.60
-180.06
98.52
Peer Median
18.65
49.18
49.38
15.01
-15.16
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

-0.22

Lower than Peers by 7.87

Year on year growth in earnings per share

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
-0.22
564.67
3.58
-170.38
86.97
Peer Median
7.65
50.00
46.43
16.57
-11.76
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

--

--

Year on year growth in book value per share

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
--
40.15
-7.31
-12.42
50.63
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
--
9.58
9.20
6.69
5.26
Peer Median
--
1.60
0.41
0.59
2.62
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
--
--
--
--
0.15
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

1.10

Lower than Peers by 0.37

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
1.10
37.64
26.10
20.65
13.39
Peer Median
1.47
2.82
3.70
4.69
2.27
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

1.10

Lower than Peers by 0.36

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
1.10
37.64
26.10
20.65
13.39
Peer Median
1.46
1.36
1.66
1.65
1.28
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

1.71

Lower than Peers by 0.24

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
1.71
2.03
0.72
0.72
1.37
Peer Median
1.94
2.17
2.17
1.78
1.54
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

8.76

Lower than Peers by 13.86

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
8.76
3.50
--
--
6.40
Peer Median
22.62
19.35
28.54
36.14
19.14
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

1.83

Lower than Peers by 0.15

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
1.83
0.99
0.55
1.05
0.65
Peer Median
1.99
1.83
1.10
1.22
1.07
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

0.85

Higher than Peers by 0.73

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
0.85
1.95
--
--
0.54
Peer Median
0.12
0.16
--
--
0.30
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

2.61

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
2.61
9.70
21.49
16.72
8.88
Peer Median
--
23.06
17.63
16.89
12.58
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

7,190

Lower than Peers by 1,799

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-23
Mar-22
Mar-21
Mar-20
Ujjivan Financial [Merged]
7,190
3,117
1,237
2,562
1,806
Peer Median
8,989
4,482
525
1,505
4,080
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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