ScoreWhy is Ujjivan Small Finance Bank Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.99%
- Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 21.55% and Net profit at 39.26%
- The Bank has a high Capital Adequacy Ratio of 24.50% signifying high buffers against its risk based assets
2
With a growth in Interest of 7.8%, the company declared Outstanding results in Jun 26
- The company has declared positive results for the last 2 consecutive quarters
- GROSS NPA(Q) Lowest at 2.16%
- NII(Q) Highest at Rs 1,187.35 cr
- INTEREST EARNED(Q) Highest at Rs 2,024.92 cr
3
With ROA of 1.6, it has a Fair valuation with a 2 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 62.08%, its profits have risen by 71.5% ; the PEG ratio of the company is 0.2
4
High Institutional Holdings at 50.26%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.9% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 62.08% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Ujjivan Small should be less than 10%
- Overall Portfolio exposure to Other Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Ujjivan Small for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Ujjivan Small
62.08%
1.62
38.32%
Sensex
-2.63%
-0.19
13.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
21.55%
Net Profit Growth (5y)
39.26%
Advance to Deposit
87.67%
Capital Adequacy Ratio (Tier 1)
24.50%
Gross NPA (latest)
2.16%
Gross NPA (avg)
3.27%
Coverage Ratio (avg)
87.59%
Cost to Income (avg)
61.23%
Net Interest Margin (avg)
9.71%
Operating Profit to Assets (avg)
11.52%
ROA (avg)
1.99%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Price to Book Value
2.03
PEG Ratio
0.21
Dividend Yield
NA
ROE (Latest)
13.48%
ROA (Latest)
1.57%
Net NPA to Book Value
2.11
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
No Trend
OBV
Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend37What is working for the Company
GROSS NPA(Q)
Lowest at 2.16%
NII(Q)
Highest at Rs 1,187.35 cr
INTEREST EARNED(Q)
Highest at Rs 2,024.92 cr
PBDIT(Q)
Highest at Rs 292.05 cr.
PBT LESS OI(Q)
Highest at Rs 164.73 cr.
PAT(Q)
Highest at Rs 316.54 cr.
NET NPA(Q)
Lowest at 0.34%
OPERATING PROFIT TO NET SALES(Q)
Highest at 14.42%
EPS(Q)
Highest at Rs 1.63
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 60.85 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Ujjivan Small
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 164.73 cr has Grown at 435.3% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -49.12 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 316.54 cr has Grown at 82.8% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 173.16 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.16% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 1,187.35 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 2,024.92 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 292.05 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 164.73 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 316.54 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net NPA - Quarterly
Lowest at 0.34% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Operating Profit Margin - Quarterly
Highest at 14.42%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Earnings per Share (EPS) - Quarterly
Highest at Rs 1.63
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for Ujjivan Small
Non Operating Income - Quarterly
is 60.85 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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