Ujjivan Financial [Merged] Peer Comparison

NSE: UJJIVAN | BSE: 539874

₹589.50

₹15.05 (2.62%)

As on 02-May-2024IST

Market cap

₹7,190 Cr

Revenue (TTM)

₹5,678 Cr

P/E Ratio

8.8

P/B Ratio

1.8

Div. Yield

0.8 %

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	Ujjivan Financial [Merged]	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Market cap (₹ Cr)	7,190	32,689	32,432	22,808	22,692
Revenue (₹ Cr)	5,678	10,285	404	6,380	1,986
Net Profit (₹ Cr)	1,120.41	1,445.41	305.93	1,210.84	432.55
Net Margin (%)	18.75	14.02	74.72	18.97	21.13
RoE (%)	23.93	10.08	1.41	16.14	1.91
Price to Earnings	8.76	22.55	75.27	18.84	130.09
Price-To-Book	1.83	2.03	1.11	2.76	2.52

Income Statement (₹ Cr)

	Ujjivan Financial [Merged]	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Operating Income	5,678.19	6,699.67	277.16	3,545.12	1,694.64
Other Income	298.80	50.30	0.56	5.67	33.81
Total Income	4,779.53	6,749.97	277.72	3,550.79	1,728.45
Interest Expense	2,140.74	2,187.79	8.25	1,216.12	641.62
PBT & Exceptional Items	1,681.04	2,041.05	236.62	1,105.42	27.32
Operating Expenses	2,155.21	2,317.37	31.90	1,179.41	985.59
Exceptional Income/Expenses	0.00	--	--	--	-1.24
Profit before Tax	1,509.42	2,041.05	272.28	1,105.42	26.08
Taxes	389.01	540.88	20.53	279.36	145.86
Profit after Tax	1,120.41	1,500.17	251.75	826.06	-119.78
Minority Interest	-299.54	20.34	1.89	--	2,902.12
Share of Associate	0.00	--	--	--	--
Consolidated Profit	820.87	1,495.98	251.87	826.06	-207.76

	Ujjivan Financial [Merged]	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Shareholder's Funds	3,636.70	9,644.89	19,571.78	5,106.97	3,766.72
Minority Interest	-299.54	20.34	1.89	--	2,902.12
Non-Current Liabilities	189.33	21,878.52	1,444.43	16,801.71	8,281.76
Current Liabilities	35,347.74	7,812.26	338.56	624.68	1,558.13
Total Liabilities	35,486.14	39,507.42	21,356.65	22,614.29	16,938.76

	Ujjivan Financial [Merged]	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Non-Current Assets	705.15	14,582.71	20,533.52	20,218.81	11,465.33
Current Assets	39,026.55	24,773.30	823.13	2,314.55	5,035.86
Total Assets	35,486.14	39,507.42	21,356.65	22,614.29	16,938.76
Contingent Liabilities	22.83	156.16	0.11	0.25	137.52

	Ujjivan Financial [Merged]	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Cash From Operating Activities	2,072.65	-3,103.24	229.64	-3,289.78	-335.57
Cash Flow from Investing Activities	-4,554.10	-616.16	-188.64	-314.43	-58.96
Cash from Financing Activities	2,640.15	3,849.11	-46.79	3,365.07	465.00
Net Cash Inflow / Outflow	158.70	129.71	-5.79	-239.14	70.47

	Ujjivan Financial [Merged]	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
ROCE (%)	10.69	11.98	1.42	12.06	6.78
ROE (%)	23.93	16.68	1.28	17.87	-3.87
ROA (%)	3.21	4.11	1.18	4.08	-0.77
EBIT Margin (%)	59.02	66.16	88.69	66.89	43.84
Net Margin (%)	18.75	22.22	90.65	23.26	-6.93
Cash Profit Margin (%)	0.00	25.43	91.17	24.71	-2.71

	Ujjivan Financial [Merged]	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Revenue Growth (%)	40.48	10.54	9.25	29.25	9.18
EBIT Growth (%)	34.24	11.01	7.32	56.48	244.86
Net Profit Growth (%)	9.08	12.90	17.38	133.96	93.20
EPS Growth (%)	-0.22	12.61	17.56	129.49	89.14
Book Value Growth (%)	40.15	15.28	-0.53	22.44	19.47

	Ujjivan Financial [Merged]	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Price / Earnings	3.50	7.00	35.09	17.60	0.00
Price / Book Value	0.99	1.09	0.45	2.86	0.64
Dividend Yield (%)	1.95	2.42	2.75	0.00	0.00
EV/EBITDA	9.70	8.10	36.77	12.41	5.95
Market Cap (₹ Cr)	3,117.44	10,474.26	8,838.49	14,541.73	2,158.63

	Ujjivan Financial [Merged]	Manappuram Finance	Tata Investment	CreditAccess Grameen	IFCI
Debt to Equity	0.00	2.96	0.01	3.21	1.79
Short term debt to equity ratio	--	0.68	0.01	0.00	--
Current Ratio	1.10	3.17	2.43	3.71	3.23
Quick Ratio	1.10	3.17	2.43	3.71	3.19
Interest Coverage	1.71	1.93	33.98	1.91	1.04

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.