ScoreWhy is Ujjivan Small Finance Bank Ltd ?
1
Strong Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 24.50%
- Healthy long term growth as Net profit has grown by an annual rate of 142.20%
- A low ratio signifies bank has stronger due diligence systems when giving out loans
2
With a growth in Operating Profit of 17.01%, the company declared Very Positive results in Mar 26
- INTEREST EARNED(Q) Highest at Rs 1,878.36 cr
- PBDIT(Q) Highest at Rs 207.90 cr.
- PBT LESS OI(Q) Highest at Rs 64.05 cr.
3
With ROA of 1.2, it has a Fair valuation with a 1.6 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 19.95%, its profits have fallen by -4.6%
4
High Institutional Holdings at 48.36%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 4.23% over the previous quarter.
5
Market Beating Performance
- Even though the market (BSE500) has generated negative returns of -0.93% in the last 1 year, the stock has been able to generate 19.95% returns
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
20.06%
0.52
38.21%
Sensex
-7.57%
-0.57
13.01%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
19.61%
Net Profit Growth (5y)
142.20%
Advance to Deposit
85.68%
Capital Adequacy Ratio (Tier 1)
24.50%
Gross NPA (latest)
2.26%
Gross NPA (avg)
3.38%
Coverage Ratio (avg)
87.57%
Cost to Income (avg)
61.54%
Net Interest Margin (avg)
9.92%
Operating Profit to Assets (avg)
11.78%
ROA (avg)
1.49%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Price to Book Value
1.57
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
10.31%
ROA (Latest)
1.20%
Net NPA to Book Value
2.54
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend29What is working for the Company
INTEREST EARNED(Q)
Highest at Rs 1,878.36 cr
PBDIT(Q)
Highest at Rs 207.90 cr.
PBT LESS OI(Q)
Highest at Rs 64.05 cr.
PAT(Q)
Highest at Rs 281.97 cr.
NII(Q)
Highest at Rs 1,092.89 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 87.06%
OPERATING PROFIT TO NET SALES(Q)
Highest at 11.07%
EPS(Q)
Highest at Rs 1.45
NET NPA(Q)
Lowest at 0.43%
-1What is not working for the Company
NON-OPERATING INCOME(Q)
is 82.72 % 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 64.05 cr has Grown at 158.9% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -108.74 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 281.97 cr has Grown at 128.3% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 123.51 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 1,878.36 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 207.90 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 64.05 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 281.97 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 1,092.89 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 11.07%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Earnings per Share (EPS) - Quarterly
Highest at Rs 1.45
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.43%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 87.06%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Ujjivan Small
Non Operating Income - Quarterly
is 82.72 % 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
Non Operating Income - Quarterly
Highest at Rs 306.70 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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