Ujjivan Financial Services Limited

NSE

UJJIVAN

Stock

Yield per half year: +0.2545%
Dividend yield: 0%
Sector: Financials

Reporting Ujjivan Financial Services Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Капитализация, млрд ₹		48.38	44.16	41.04	37.16	30.06	24.37	21.84	50.43	46.93	32.77	6.30
Выручка, млрд ₹	5.99	10.07	13.49	14.43	18.46	27.1	28.08	27.36	39.86	39.86	28.17	16.64
Чистая прибыль, млрд ₹	0.7579	1.77	2.08	0.0728	1.5	2.82	-1.99	-1.92	8.91	8.91	1.86	42.81
EV, млрд ₹		60.81	126.75	133.2	92.67	81.13	62.23	23.21	61.33	61.33	64.11	-7.92
EBIT, млрд ₹	1.15	2.61	2.79	-0.9007	6.13	13.58	16.04	14.51	26.36	26.36	15.32	33.87
EBITDA, млрд ₹	1.22	2.69	2.91	-0.4868	6.74	15.24	17.74	16.06	27.99	27.99	16.75	32.94
OIBDA, млрд ₹					6.64	17.69	15.38	13.97	45.45		19.83	46.92
Баланс стоимость, млрд ₹	7.36	11.98	17.56	17.62	18.78	28.4	26.59	23.23	32.23	32.23	25.85	11.41
FCF, млрд ₹	-15.22	-17.11	-7.25	-16.1	0.8999	-26.7	-9.62	27.2	18.8	18.8	2.12	83.65
Операционный денежный поток, млрд ₹	-15.08	-16.91	-5.83	-15.11	2.39	-24.64	-7.78	28.26	20.73	20.73	3.79	54.04
Операционная прибыль, млрд ₹	1.15	2.72	3.07	-0.8578	1.4	5.28	-4.34	-4.01	26.36	26.36	4.94	79.87
Операционные расходы, млрд ₹	0.9196	1.33	2.56	5.63	5.51	6.5	5.75	7.45	9.27	9.27	6.90	10.96
CAPEX, млрд ₹	0.1375	0.1973	1.42	0.9985	1.49	2.06	1.84	1.07	1.93	1.93	1.68	5.31

	2016Q4	2017Q4	2018Q4	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	5 quarters average	CAGR 5
Капитализация, млрд ₹	47.64	44.7	28.13			37.7				30.11			18.09				32.97				69.32	37.64	12.95
Выручка, млрд ₹												7.31	7.09	6.08	10.08	10.39	11.43	7.96	13.68	14.95	15.72	12.75	6.58
Чистая прибыль, млрд ₹												-0.5674	-1.51	0.9895	2.46	2.57	2.2	1.67	2.2	2.26	2.08	2.08	-1.12
EV, млрд ₹		129.08												23.21		42.99		61.33		98.25		70.97	-5.31
EBIT, млрд ₹												2.73	3.94	3.69	2.43	1.97	2.9	19.07	4.12	4.66	4.7	7.09	10.14
EBITDA, млрд ₹												3.13	4.31	4.07	2.81	2.37	3.32	19.49	4.51	5.08	5.19	7.52	9.35
OIBDA, млрд ₹																	4.02	36.89	6.43	7.48	7.81	12.53	14.20
Баланс стоимость, млрд ₹												25.21	23.23	23.23	27.22	28.88	38.03	32.23	42.42	36.37	47.92	39.39	4.73
FCF, млрд ₹						-6.68	-6.68	-6.68	-6.68							0.7912	0.8552	0.839	0.7854	0.8318	0.9762	0.8575	2.68
Операционный денежный поток, млрд ₹									-6.16		-7.78	16.18		28.26		0.7912	0.8552	0.839	0.7854	0.8318	0.9762	0.8575	2.68
Операционная прибыль, млрд ₹												-0.8653	-2.67	1.22	2.86	1.97	2.9	19.07	4.12	4.66	4.7	7.09	10.14
Операционные расходы, млрд ₹												1.77	1.69	2.77	1.88	1.91	2.06	3.42	2.28	2.39	2.49	2.53	3.86
CAPEX, млрд ₹				0.3726	0.9002	0.5151	0.5151	0.5151	0.5151		1.84	4.82		1.07				1.93				2.04	30.24

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд ₹		6.38	4.91	7.6	5.76	10.79	13.4	19.34	21.55	23.14	23.14	17.64	16.48
Short Term Investments ₹		-0.0685	-0.1557	10.89	7.04	0.1842	0.0049	6.82	6.21	33.23	33.23	9.29	182.65
Long term investments ₹	0.001	0.001	0.001	14.47	12.44	15.48						8.48	588.58
Total Receivables ₹		32.65	37.79	59.54	73.26	109.37	0.0049	0.0041	0.0035	0.0028	0.0028	21.88	-87.93
Total Current Assets ₹		33.31	43.59	64.82	64.9	121.18	153.11	165.3	196.66	288.66	288.66	184.98	18.96
Чистые активы, млрд ₹		0.1423	0.1672	0.7535	1.23	2.09	7.42	6.2	5.68	5.97	5.97	5.47	23.36
Активы, млрд ₹		39.76	57.27	84.79	98.14	140.26	187.11	202.07	244.23	354.86	354.86	225.71	20.40
Short Term Debt ₹		0.045	0.0104	35.53	59.39	20.47	24.94	24.73	16.18	253.68	253.68	68.00	65.44
Long Term Debt ₹		12.83	17.33	54.66	38.53	45.83	39.53	32.47	29.34	54.08	54.08	40.25	3.37
Задолженность, млрд ₹		32.4	45.3	67.23	80.52	121.48	155.4	172.56	217	312.44	312.44	195.78	20.80
Чистый долг, млрд ₹		6.5	12.43	56.38	70.74	35.04	32.56	20.16	9.32	32.5	32.5	25.92	-1.49
Долг, млрд ₹		12.88	17.34	90.19	97.92	66.3	64.47	57.2	45.53	307.76	307.76	108.25	35.94
Interest income ₹			0.1759	0.4341	0.016	0.0382	0	0.5083	2.41	4.34		1.46	206.67
Расходы на обслуживание долга ₹		2.55	4.08	0.0018	0.4666	3.52	7.74	8.23	9.24	13.41	13.41	8.43	30.67
Чист. проц. доходы, млрд ₹				0.1513	0.9829	0.9992	-0.4322	-0.1764	-6.83	-9.07	4.34	-3.1019	-255.45
Амортизация, млрд ₹		0.0674	0.0802	0.1263	0.4138	0.6062	1.66	1.7	1.55	1.63	1.63	1.43	21.87
Себестоимость, млрд ₹		3.88	6.05	8.01	9.69	8.4	9.55	9.49	8.8	9.79	9.79	9.21	3.11
Товарно материальные запасы ₹							0.3368	0.1931	0.4122	257.13	257.13	64.52	425.65

	2017Q1	2017Q3	2017Q4	2018Q1	2018Q2	2018Q4	2019Q1	2019Q2	2019Q3	2020Q1	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	5 quarters average	CAGR 5
Наличность, млрд ₹										13.4	10.58	19.34	14.41	14.41	21.55	21.55		28.76		23.14		21.43		23.29	-0.11
Short Term Investments ₹										0.0049	0.5498	6.82	6.95	6.95	6.21	6.21		0.199		33.23		1.13		9.40	-28.88
Long term investments ₹	14.47	11.73	0.001	12.44	0.001	11.25	15.48	16.78	20.39															12.78	627.58
Total Receivables ₹							109.37	116.55	127.28	139.37	133.97	138.95		131.85		168.48		197.92		0.0028				127.44	-88.50
Total Current Assets ₹										153.11	145.1	165.3	153.22	153.22	196.66	196.66		226.88		288.66		278.92		237.56	7.24
Чистые активы, млрд ₹								6.07	6.22	7.42	5.31	6.2		5.64		5.68		5.44		5.97		6.77		5.90	3.72
Активы, млрд ₹										187.11	187	202.07	194.76	194.76	244.23	244.23		294.37		354.86		403.29		308.20	10.55
Short Term Debt ₹								0.4	100.01	106.56	106.65	130.45		140.2		181.39		202.71		253.68		289.32		213.46	15.59
Long Term Debt ₹								43.27	34.75	39.53	39.49	32.47		16.77		24.38		42.11		54.08		58.42		39.15	28.35
Задолженность, млрд ₹										155.4	153.53	172.56	166.9	166.9	217	217		256.34		312.44		355.37		271.63	10.37
Чистый долг, млрд ₹										32.56	32.47	20.16	7.08	7.08	9.32	9.32		18.06		32.5		36.99		21.24	31.74
Долг, млрд ₹								43.67	134.76	146.08	146.13	162.93		156.97		205.77		244.82		307.76		347.74		252.61	17.24
Расходы на обслуживание долга ₹			1.41	4.05											0.3035	0.8826	0.8826	1.82	0.2836	16.54				4.08	79.70
Амортизация, млрд ₹														0.4019	0.3752	0.3773	0.3851	0.3956	0.4276	0.4195	0.3927	0.4159	0.4881	0.4288	2.68
Себестоимость, млрд ₹														4.61	4.77	-4.99	5.34	5.61	6.19	-7.35	7.7	8.47	9.32	4.87	8.53
Товарно материальные запасы ₹																				257.13				257.13	0.00

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS			5.11	0.76	12.38	23.21	-19.66	-15.76	73.2			73.2	14.67	42.68
Цена акции ао			389.1	277.35	347.4	276.15	131.85	278.05	565.05	589.5	589.5	589.5	430.79	34.92
Число акций ао, млн	71.34	123.78	122.08	121.4	121.61	121.63	121.66	121.67	121.68			121.68	121.65	0.01
FCF/акцию	-213.31	-138.22	-59.35	-132.65	7.4	-219.53	-79.11	223.53	154.52			154.51	17.36	83.63

	2015Q4	2016Q4	2017Q4	2018Q3	2018Q4	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS				3.7				-14.92	8.13	20.23	21.12	18.12	13.74	18.07	18.29	16.81			17.01	-1.49
Цена акции ао									123.65	136.61	185.76	271	268.42	325.69	477.27	560.38	589.5	589.5	508.47	12.60
Число акций ао, млн	71.34	123.78	122.08		121.4	121.61	121.63	121.66				121.68				123.7			122.06	0.34
FCF/акцию	-59.95	-14.63	-32.98		1.85	-54.89						7.03	6.9	6.45	6.74	7.89			7.00	2.34

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %		10.29	14.8	11.83	0.4134	8.01	9.94	-7.48	-7.7	32.12			27.63	16.86	6.98	32.02
ROA, %		1.91	3.09	2.45	0.0742	1.07	1.51	-0.9836	-0.859	2.97			2.51	4.25	0.7415	22.65
ROIC, %	6.06	3.93	6.22	2.02	0.1627	1.96	3.1	-2.26	-1.18	2.97				9.97	0.9180	8.67
ROS, %				15.39	0.5045	8.15	10.42	-7.08	-7.01	22.35	22.35	22.35	22.35	55.32	10.59	-225.85
ROCE, %			21.8	15.88	-5.11	32.65	42.82	54.37	6.02	7.46		62.15	62.15	8.56	34.56	7.74
Ebit margin, %						33.2	50.1	57.12	53.03	66.15		66.15	66.15		58.51	5.72
Рентаб EBITDA, %			26.72	21.6	-3.37	36.48	56.22	63.17	58.7	70.24		70.24	70.24	61.72	63.71	4.55
Чистая рентаб, %		12.65	17.59	15.39	0.5045	8.15	10.42	-7.08	-7.01	22.35			22.35	55.32	5.37	22.36
Operation Margin, %				22.78	-5.94	7.61	19.48	-15.47	-14.66	66.15	66.15	66.15	66.15	56.13	33.66	-233.72
Доходность FCF, %			-35.36	-16.41	-39.24	2.42	-88.83	-39.5	124.51	37.28					7.18	72.80

	2016Q4	2017Q4	2018Q1	2018Q2	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %														-2.25	-6.51	4.26	9.04	8.9	5.8	5.19	6.57	6.22	5.4		16.86	5.84	-1.42
ROA, %										0.3422	0.4007	0.3467	-0.4246	-0.2913	-0.6192	0.4052		0.8731		0.4711		1.12			4.25	0.4500	-212.58
ROIC, %			0.7185	0.4941		0.1564	1.4	0.4427		0.3782	0.4368	0.421								0.8165		0.7659			9.97	0.5637	15.16
ROS, %															-21.34	16.27	24.43	24.74	19.28	21	16.08	15.11	13.23	22.35	55.32	17.55	1.25
ROCE, %											9.43	1.05	14.87	9.8	14.47	13.56		5.18		44.96		1.23		62.15	8.56	25.42	35.59
Ebit margin, %																			25.34	239.66	30.13	31.19	29.91	66.15		79.41	-22.70
Рентаб EBITDA, %															60.87	66.87	27.89	22.77	29.08	244.93	33	33.97	33.01	70.24	61.72	83.03	-22.11
Чистая рентаб, %														-7.76	-21.34	16.27	24.43	24.74	19.28	21	16.08	15.11	13.23		55.32	16.94	-7.25
Operation Margin, %															-37.74	19.98	28.38	18.96	25.34	239.66	30.13	31.19	29.91	66.15	56.13	79.41	-22.70
Доходность FCF, %	-3.8	-9.01			0.7999				-17.71										2.59				1.41			-4.3840	-169.01

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	27.3	21.26	563.62	24.7	10.65	-12.26	-11.39	3.24			3.24	36.28	2.99	-33.39
P/BV	4.04	2.52	2.33	1.98	1.06	0.9165	0.5102	0.6796			0.6796	3.47	1.03	-19.25
P/S	4.8	3.27	2.84	2.01	1.11	0.8677	0.5076	0.7234			0.7234	11.12	1.04	-18.49
P/FCF		-6.1	-2.55	41.29	-1.13	-2.53	0.8031	2.68	2.5	2.5	2.5	9.16	1.19	-199.76
E/P		0.047	0.0018	0.0405	0.0939	-0.0816	-0.0878	0.1766	0.1898	0.1898	0.1898	0.14	0.0774	-218.39
EV/EBIT				12.61	3.67	2.88	1.6	2.33	2.33	2.33	2.33		2.29	-4.15
EV/EBITDA	22.6	43.49	-273.61	13.76	5.32	3.51	1.45	2.19			2.19	38.04	5.25	-30.76
EV/S		9.39	9.23	5.02	2.99	2.22	0.8483	1.54	1.54	1.54	1.54	13.61	1.54	-7.05
EV/FCF		-17.49	-8.27	102.98	-3.04	-6.47	0.8535	3.26	3.26	3.26	3.26	11.74	0.8327	-187.19
Debt/EBITDA		30.94	-201.14	9.84	4.23	3.22	2.83	10.99	10.99	10.99	10.99	17.17	7.80	27.83
Netdebt/Ebitda		19.34	-145.3	5.2	2.14	1.14	0.5805	1.16	1.16	1.16	1.16	-0.25	1.04	0.35
Debt/Ratio		1.06	0.9978	0.4727	0.3445	0.2831	0.1864	0.8673	0.8673	0.8673	0.8673	0.30	0.6143	25.10
Debt/Equity		5.14	5.56	3.53	2.27	2.15	1.96	9.55	51.51	7.37	7.37	3.05	14.51	27.94
Debt/Net Income		43.43	1344.79	44.07	22.84	-28.78	-23.75	34.55	34.55	34.55	34.55	13.96	10.22	-203.72
PEG										-0.6116	-0.6116		-0.6116	0.00
Бета								1.22	-0.0403	0.0113	0.0113	1.20	0.3970	-79.00
Индекс Альтмана		0.9399	0.644	0.6589	0.7642	0.7441	0.7909	0.6886	0.4791	0.4791	0.4791	1.01	0.6364	-8.43

	2016Q4	2017Q4	2018Q4	2019Q3	2019Q4	2020Q1	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E								-7.37				-11.97	-6.25	13.9	5.93	14.96	3.24	5.41	7.27	8.64			36.28	7.90	-10.40
P/BV		2.64	1.49		1.85							0.779	0.5101		0.6555	0.8671	0.6796		1.28	1.45			3.47	0.9864	17.21
P/S								4.1				2.55	0.5076	0.4859	0.741	2.88	0.7234	1.08	1.26	1.36			11.12	1.46	-13.93
P/FCF	-26.3	-11.1	125.02		-5.65											38.56				71.01		2.5	9.16	46.29	-54.27
E/P	0.0092	0.0066	0.0161		0.0191			-0.1358				-0.0836				0.0669				0.03		0.1898	0.14	0.0135	-206.93
EV/EBIT																	3.22		21.07			2.33		8.87	-10.22
EV/EBITDA		406.87											20.04		5.74		3.15		3.03				38.04	87.77	-62.47
EV/S		36.05															7.71		6.57			1.54	13.61	12.97	-54.54
EV/FCF		-32.06															73.1		118.11			3.26	11.74	40.60	-156.47
Debt/EBITDA				76.63		14.3	41.47		175.07		50.1		50.58		103.51		15.79		68.48			10.99	17.17	49.87	-26.31
Netdebt/Ebitda							9.21		21.67	1.56	2.26	2.16	2.29		7.64		1.67		7.28			1.16	-0.25	4.01	-12.72
Debt/Ratio				0.8243		0.7807	0.7815		0.8063		0.806		0.8425		0.8317		0.8673		0.8623			0.8673	0.30	0.8542	0.58
Debt/Equity				6.6		5.14	4.89		6.13		6.23		8.86		8.48		9.55		9.56			7.37	3.05	8.76	-3.62
Debt/Net Income				213.13		228.12	195.02		232.57		-276.65		207.94		95.26		184.11		153.98			34.55	13.96	135.17	-30.16
PEG																						-0.6116		-0.6116	0.00
Бета																					-0.0091	0.0113	1.20	0.0011	-211.43
Индекс Альтмана			0.4139																		0.4791	0.4791	1.01	0.4574	5.00

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.0384	0.0518	0.0957	0.1152	0.1635	0.0546	0.0973	1.1	1.1			1.1		0.5031	46.41
Дивиденд		0.5	0.8	0.5	1.3	0.8		5	3.5	5		0		3.12	30.92
Див доход, ао, %		0.1279	0.2212	0.1479	0.4255	0.3237	0.5224	2.08	1.7	2.75		0	1.35	1.48	53.40
Дивиденды / прибыль, %	5.07	2.92	4.61	158.21	10.87	1.93	-4.89	-57.61	12.4			12.4	18.71	-7.4600	2.67
Dividend Coverage Ratio											8.1	8.1		8.10	0.00

	2016Q3	2017Q3	2018Q2	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2021Q1	2023Q1	2023Q3	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд				0.0551	0.0551	0.0546	0.0195	0.0195	0.0195	0.0195	0.0973	1.1	0.6834			0.3839	103.67
Дивиденд	0.5	0.8	0.5	0.85		0.45				0.8		5	3.5			2.12	32.72
Див доход, ао, %	0.1146	0.2394	0.1279	0.2878		0.1558				0.3359		1.86	0.7333		1.35	0.6746	20.57
Дивиденды / прибыль, %				34.59	6.64	8.64	2.7	3.04	2.99	2.6	13.89	66.06	30.26		18.71	23.16	58.87
Dividend Coverage Ratio														8.1		8.10	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	CAGR 5
CAPEX/Выручка, %	8.07	7.6	6.56	3.89	4.83		-9.76
Персонал, чел					17 870	17 870	0.00

	2023Q1	CAGR 5
CAPEX/Выручка, %	24.19	0.00

	CAGR 5