By Helgi Library - November 1, 2019
Ujjivan Financial Services stock traded at INR 314 per share at the end of third quarter of 2019 implying a market capitalization of ...
By Helgi Library - November 1, 2019
Ujjivan Financial Services stock traded at INR 314 per share at the end of third quarter of 2019 implying a market capitalization of ...
By Helgi Library - November 1, 2019
Ujjivan Financial Services stock traded at INR 314 per share at the end of third quarter of 2019 implying a market capitalization of USD 541 ...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | INR mil | 7,104 | 8,064 | 10,967 |
| Net Fee Income | INR mil | 1,102 | 1,083 | 1,300 |
| Other Income | INR mil | 433 | 0 | 0 |
| Total Revenues | INR mil | 8,638 | 9,147 | 12,266 |
| Operating Profit | INR mil | 3,310 | 168 | 1,453 |
| Net Profit | INR mil | 2,077 | 260 | 1,504 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | INR mil | 14,467 | 12,441 | 15,481 |
| Customer Loans | INR mil | 1,059 | 73,226 | 109,305 |
| Total Assets | INR mil | 84,786 | 95,222 | 140,259 |
| Shareholders' Equity | INR mil | 17,558 | 17,319 | 18,777 |
| Interbank Borrowing | INR mil | 1,004 | 6,000 | 1,000 |
| Customer Deposits | INR mil | 59.8 | 37,726 | 72,592 |
| Issued Debt Securities | INR mil | 28,391 | 32,528 | 44,830 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 13.8 | 1.49 | 8.34 |
| ROA | % | 2.82 | 0.288 | 1.28 |
| Costs (As % Of Assets) | % | 7.25 | 9.98 | 9.18 |
| Costs (As % Of Income) | % | 61.7 | 98.2 | 88.2 |
| Capital Adequacy Ratio | % | 18.2 | 18.0 | ... |
| Net Interest Margin | % | 9.66 | 8.96 | 9.31 |
| Loans (As % Of Deposits) | % | 1,772 | 194 | 151 |
| Valuation | 2016 | 2017 | 2018 | |
| Price/Earnings (P/E) | 24.3 | 161 | 28.0 | |
| Price/Book Value (P/BV) | 2.88 | 2.41 | 2.24 | |
| Dividend Yield | % | 0.192 | 0.145 | 0.130 |
| Earnings Per Share (EPS) | INR | 17.1 | 2.15 | 12.4 |
| Book Value Per Share | INR | 145 | 143 | 155 |
| Dividend Per Share | INR | 0.800 | 0.500 | 0.450 |
Get all company financials in excel:
| summary | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||
| Net Interest Income | INR mil | 1,320 | 1,945 | 3,025 | 5,064 | 7,104 | ||||
| Total Revenues | INR mil | 1,555 | 2,226 | 3,556 | 6,097 | 8,638 | ||||
| Operating Profit | INR mil | 516 | 942 | 1,297 | 2,303 | 3,310 | ||||
| Net Profit | INR mil | 329 | 584 | 758 | 1,417 | 2,077 | ||||
| balance sheet | ||||||||||
| Interbank Loans | INR mil | 1.00 | 1.01 | 1.01 | 7,234 | 14,467 | ||||
| Customer Loans | INR mil | 95.0 | 157 | 275 | 667 | 1,059 | ||||
| Debt Securities | INR mil | 9,474 | 13,876 | 26,299 | 13,488 | 677 | ||||
| Total Assets | INR mil | 13,569 | 20,787 | 39,763 | 62,274 | 84,786 | ||||
| Shareholders' Equity | INR mil | 3,180 | 3,725 | 7,365 | 12,461 | 17,558 | ||||
| Interbank Borrowing | INR mil | 5,130 | 10,448 | 17,682 | 9,343 | 1,004 | ||||
| Customer Deposits | INR mil | 0 | 0 | 0 | 0 | 59.8 | ||||
| Issued Debt Securities | INR mil | 4,845 | 6,051 | 13,536 | 20,963 | 28,391 | ||||
| ratios | ||||||||||
| ROE | % | 11.8 | 16.9 | 13.7 | 14.3 | 13.8 | ||||
| ROA | % | 2.92 | 3.40 | 2.50 | 2.78 | 2.82 | ||||
| Costs (As % Of Assets) | % | 9.23 | 7.48 | 7.46 | 7.44 | 7.25 | ||||
| Costs (As % Of Income) | % | 66.8 | 57.7 | 63.5 | 62.2 | 61.7 | ||||
| Capital Adequacy Ratio | % | 27.3 | 22.7 | 24.2 | 21.2 | 18.2 | ... | |||
| Net Interest Margin | % | 11.7 | 11.3 | 9.99 | 9.93 | 9.66 | ||||
| Interest Income (As % Of Revenues) | % | 84.9 | 87.4 | 85.1 | 83.1 | 82.2 | ||||
| Fee Income (As % Of Revenues) | % | 10.9 | 8.88 | 9.13 | 11.7 | 12.8 | ||||
| Equity (As % Of Assets) | % | 23.4 | 17.9 | 18.5 | 20.0 | 20.7 | ||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | 1,772 | ||
| Loans (As % Assets) | % | 0.700 | 0.757 | 0.692 | 1.07 | 1.25 | ||||
| valuation | ||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | ... | 744 | ||
| Number Of Shares (Average) | mil | 66.2 | 69.7 | 71.4 | 96.4 | 121 | ||||
| Share Price (End Of Period) | INR | ... | ... | ... | ... | ... | ... | 416 | ||
| Earnings Per Share (EPS) | INR | 4.97 | 8.38 | 10.6 | 14.7 | 17.1 | ||||
| Book Value Per Share | INR | 48.1 | 53.4 | 103 | 129 | 145 | ||||
| Dividend Per Share | INR | 0.250 | 0.500 | 0.500 | 0.650 | 0.800 | ||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | 24.3 | |||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | 2.88 | |||
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | 0.192 | ||
| Earnings Per Share Growth | % | ... | 15,459 | 68.6 | 26.7 | 38.5 | 16.3 | |||
| Book Value Per Share Growth | % | ... | -16.7 | 11.2 | 93.1 | 25.3 | 11.9 |
| income statement | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||
| Interest Income | INR mil | 2,099 | 3,289 | 5,577 | 8,986 | 12,395 | ||||
| Interest Cost | INR mil | 779 | 1,344 | 2,552 | 3,922 | 5,291 | ||||
| Net Interest Income | INR mil | 1,320 | 1,945 | 3,025 | 5,064 | 7,104 | ||||
| Net Fee Income | INR mil | 170 | 198 | 325 | 713 | 1,102 | ||||
| Other Income | INR mil | 65.5 | 83.8 | 206 | 320 | 433 | ||||
| Total Revenues | INR mil | 1,555 | 2,226 | 3,556 | 6,097 | 8,638 | ||||
| Operating Cost | INR mil | 1,040 | 1,285 | 2,259 | 3,794 | 5,329 | ||||
| Operating Profit | INR mil | 516 | 942 | 1,297 | 2,303 | 3,310 | ||||
| Pre-Tax Profit | INR mil | 477 | 888 | 1,145 | 2,181 | 3,217 | ||||
| Tax | INR mil | 148 | 304 | 387 | 764 | 1,141 | ||||
| Minorities | INR mil | 0 | 0 | 0 | 0 | 0 | ||||
| Net Profit | INR mil | 329 | 584 | 758 | 1,417 | 2,077 | ||||
| Dividends | INR mil | 15.4 | 32.8 | 33.7 | 59.9 | 93.6 | ||||
| growth rates | ||||||||||
| Net Interest Income Growth | % | ... | 63.3 | 47.3 | 55.5 | 67.4 | 40.3 | |||
| Net Fee Income Growth | % | ... | 34.1 | 16.5 | 64.1 | 120 | 54.5 | |||
| Total Revenue Growth | % | ... | 54.8 | 43.2 | 59.7 | 71.5 | 41.7 | |||
| Operating Cost Growth | % | ... | 8.87 | 23.6 | 75.8 | 68.0 | 40.5 | |||
| Operating Profit Growth | % | ... | 932 | 82.6 | 37.8 | 77.6 | 43.7 | |||
| Pre-Tax Profit Growth | % | ... | -32,113 | 86.3 | 28.9 | 90.5 | 47.5 | |||
| Net Profit Growth | % | ... | 24,614 | 77.7 | 29.7 | 87.0 | 46.5 | |||
| market share | ||||||||||
| Market Share in Revenues | % | ... | < 0.001 | < 0.001 | < 0.001 | < 0.001 | < 0.001 | ... | ||
| Market Share in Net Profit | % | ... | < 0.001 | < 0.001 | < 0.001 | < 0.001 | ... | ... | ... |
| balance sheet | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | ||||||||||
| Cash | INR mil | 1,786 | 3,945 | 6,448 | 7,024 | 7,601 | ||||
| Interbank Loans | INR mil | 1.00 | 1.01 | 1.01 | 7,234 | 14,467 | ||||
| Customer Loans | INR mil | 95.0 | 157 | 275 | 667 | 1,059 | ||||
| Debt Securities | INR mil | 9,474 | 13,876 | 26,299 | 13,488 | 677 | ||||
| Fixed Assets | INR mil | 111 | 127 | 179 | 789 | 1,398 | ||||
| Total Assets | INR mil | 13,569 | 20,787 | 39,763 | 62,274 | 84,786 | ||||
| Shareholders' Equity | INR mil | 3,180 | 3,725 | 7,365 | 12,461 | 17,558 | ||||
| Liabilities | INR mil | 10,389 | 17,062 | 32,398 | 49,813 | 67,228 | ||||
| Interbank Borrowing | INR mil | 5,130 | 10,448 | 17,682 | 9,343 | 1,004 | ||||
| Customer Deposits | INR mil | 0 | 0 | 0 | 0 | 59.8 | ||||
| Issued Debt Securities | INR mil | 4,845 | 6,051 | 13,536 | 20,963 | 28,391 | ||||
| Other Liabilities | INR mil | 414 | 562 | 1,180 | 19,477 | 37,773 | ||||
| asset quality | ||||||||||
| Gross Loans | INR mil | ... | ... | ... | ... | ... | ... | ... | ||
| Total Provisions | INR mil | ... | ... | ... | ... | ... | ... | ... | ||
| growth rates | ||||||||||
| Customer Loan Growth | % | ... | 83.3 | 65.6 | 74.8 | 143 | 58.8 | |||
| Total Asset Growth | % | ... | 51.6 | 53.2 | 91.3 | 56.6 | 36.1 | |||
| Shareholders' Equity Growth | % | ... | 32.3 | 17.2 | 97.7 | 69.2 | 40.9 | |||
| Customer Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ||
| market share | ||||||||||
| Market Share in Customer Loans | % | < 0.001 | < 0.001 | < 0.001 | < 0.001 | 0.001 | ... | |||
| Market Share in Total Assets | % | 0.016 | 0.021 | 0.036 | 0.049 | 0.060 | ... | |||
| Market Share in Customer Deposits | % | 0 | 0 | 0 | 0 | < 0.001 | ... |
| ratios | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | ||||||||||
| ROE | % | 11.8 | 16.9 | 13.7 | 14.3 | 13.8 | ||||
| ROA | % | 2.92 | 3.40 | 2.50 | 2.78 | 2.82 | ||||
| Costs (As % Of Assets) | % | 9.23 | 7.48 | 7.46 | 7.44 | 7.25 | ||||
| Costs (As % Of Income) | % | 66.8 | 57.7 | 63.5 | 62.2 | 61.7 | ||||
| Capital Adequacy Ratio | % | 27.3 | 22.7 | 24.2 | 21.2 | 18.2 | ... | |||
| Tier 1 Ratio | % | 27.0 | 21.8 | 21.7 | 19.6 | 17.5 | ... | |||
| Net Interest Margin | % | 11.7 | 11.3 | 9.99 | 9.93 | 9.66 | ||||
| Interest Spread | % | ... | 9.44 | 9.35 | 8.10 | 8.07 | 7.82 | |||
| Asset Yield | % | 18.6 | 19.1 | 18.4 | 17.6 | 16.9 | ||||
| Cost Of Liabilities | % | ... | 9.19 | 9.79 | 10.3 | 9.54 | 9.04 | |||
| Payout Ratio | % | 4.69 | 5.61 | 4.45 | 4.23 | 4.51 | ||||
| Interest Income (As % Of Revenues) | % | 84.9 | 87.4 | 85.1 | 83.1 | 82.2 | ||||
| Fee Income (As % Of Revenues) | % | 10.9 | 8.88 | 9.13 | 11.7 | 12.8 | ||||
| Other Income (As % Of Revenues) | % | 4.21 | 3.76 | 5.81 | 5.25 | 5.02 | ||||
| Equity (As % Of Assets) | % | 23.4 | 17.9 | 18.5 | 20.0 | 20.7 | ||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | 1,772 | ||
| Loans (As % Assets) | % | 0.700 | 0.757 | 0.692 | 1.07 | 1.25 | ||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... |
Get all company financials in excel:
By Helgi Library - November 1, 2019
Ujjivan Financial Services stock traded at INR 314 per share at the end of third quarter of 2019 implying a market capitalization of USD 541 mil. Over the last five years, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the...
By Helgi Library - November 1, 2019
Ujjivan Financial Services made a net profit of INR 632 mil in the third quarter of 2019, up 14.9% when compared to the same period of last year. This implies a return on equity of 12.7%. Historically, the bank’s net profit reached an all time high of INR 830 mil...
By Helgi Library - November 1, 2019
Ujjivan Financial Services made a net profit of INR 632 mil in the third quarter of 2019, up 14.9% when compared to the same period of last year. This implies a return on equity of 12.7%. Historically, the bank’s net profit reached an all time high of INR 830 mil...
By Helgi Library - November 1, 2019
Ujjivan Financial Services's net interest margin amounted to 10.4% in the third quarter of 2019, up from 10.0% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 11.6% in 1Q2018 and an all time low...
By Helgi Library - November 1, 2019
Ujjivan Financial Services stock traded at INR 314 per share at the end third quarter of 2019 implying a market capitalization of USD 541 mil. Since the end of 3Q2014, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the val...
By Helgi Library - November 1, 2019
Ujjivan Financial Services's net interest margin amounted to 10.4% in the third quarter of 2019, up from 10.0% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 11.6% in 1Q2018 and an all time low...
By Helgi Library - November 1, 2019
Ujjivan Financial Services stock traded at INR 314 per share at the end third quarter of 2019 implying a market capitalization of USD 541 mil. Since the end of 3Q2014, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the val...
By Helgi Library - November 1, 2019
Ujjivan Financial Services's Equity reached 6.34% of total assets in the 3Q2019, down from 6.40% for the previous year. As a share of net customer loans, the ratio amounted to 11.3% at the end of the third quarter of 2019. ...
By Helgi Library - November 1, 2019
Ujjivan Financial Services's Equity reached 6.34% of total assets in the 3Q2019, down from 6.40% for the previous year. As a share of net customer loans, the ratio amounted to 11.3% at the end of the third quarter of 2019. ...
By Helgi Library - November 1, 2019
Ujjivan Financial Services made a net profit of INR 1,504 mil under revenues of INR 12,266 mil in 2018, up 480% and 34.1% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of INR 2,077 mil in 2016 and an all time low...
Ujjivan Financial Services has been growing its revenues and asset by 26.2% and 31.1% a year on average in the last 3 years. Its loans and deposits have grown by 447% and % a year during that time and loans to deposits ratio reached 151% at the end of 2018. The company achieved an average return on equity of 7.89% in the last three years with net profit growing 2.01% a year on average. In terms of operating efficiency, its cost to income ratio reached 88.2% in 2018, compared to 82.7% average in the last three years.
Equity represented 13.4% of total assets or 17.2% of loans at the end of 2018. Ujjivan Financial Services's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2018.
Ujjivan Financial Services stock traded at INR 347 per share at the end of 2018 resulting in a market capitalization of USD 604 mil. Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 7.89% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 28.0x and price to book value (PBV) of 2.24x in 2018.
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