ScoreWhy is Ujjivan Small Finance Bank Ltd ?
1
Strong lending practices with low Gross NPA ratio of 2.45%
2
The Bank has a high Capital Adequacy Ratio of 24.50% signifying high buffers against its risk based assets
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 16.80%
4
The company has declared Negative results for the last 5 consecutive quarters
- PAT(9M) At Rs 308.33 cr has Grown at -64.30%
- PBT LESS OI(Q) At Rs -96.07 cr has Fallen at -74.2% (vs previous 4Q average)
- NON-OPERATING INCOME(Q) is 159.94 % of Profit Before Tax (PBT)
5
With ROA of 0.8, it has a Very Expensive valuation with a 1.7 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 54.65%, its profits have fallen by -64.2%
6
High Institutional Holdings at 37.18%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.8% over the previous quarter.
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
69.25%
1.54
35.53%
Sensex
8.49%
0.44
11.83%
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
25
Price to Book Value
1.97
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
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
No Trend
OBV
No Trend
No Trend
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
