ScoreWhy is Ujjivan Small Finance Bank Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.71%
- Healthy long term growth as Net profit has grown by an annual rate of 61.47%
- The Bank has a high Capital Adequacy Ratio of 24.50% signifying high buffers against its risk based assets
2
High Institutional Holdings at 44.13%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 6.95% over the previous quarter.
3
Market Beating performance in long term as well as near term
- Along with generating 84.65% 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
84.77%
2.37
35.79%
Sensex
7.18%
0.64
11.21%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
17.66%
Net Profit Growth (5y)
61.47%
Advance to Deposit
95.71%
Capital Adequacy Ratio (Tier 1)
24.50%
Gross NPA (latest)
2.39%
Gross NPA (avg)
4.14%
Coverage Ratio (avg)
86.32%
Cost to Income (avg)
61.83%
Net Interest Margin (avg)
9.30%
Operating Profit to Assets (avg)
11.05%
ROA (avg)
1.71%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
26
Price to Book Value
2.03
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
7.93%
ROA (Latest)
1.00%
Net NPA to Book Value
3.34
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NII(Q)
Highest at Rs 1,000.47 cr
INTEREST EARNED(Q)
Highest at Rs 1,751.92 cr
PAT(Q)
Highest at Rs 185.72 cr.
EPS(Q)
Highest at Rs 0.96
-3What is not working for the Company
PAT(9M)
At Rs 410.66 cr has Grown at -36.11%
NON-OPERATING INCOME(Q)
is 120.87 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Ujjivan Small
Profit After Tax (PAT) - Quarterly
At Rs 185.72 cr has Grown at 78.2% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 104.24 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 1,000.47 cr
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 1,751.92 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 185.72 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 0.96
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 120.87 % 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 295.48 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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