Ujjivan Financial Services Limited
NSE: UJJIVAN · Microfinance Institution
Snapshot
Unlock Ujjivan Financial Services Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Ujjivan Financial Services Limited is a non-banking financial company focused on providing financial services to the economically active poor in India. Its diverse product portfolio includes microfinance, housing loans, personal loans, vehicle loans, and various secured and unsecured credit facilities for micro and small enterprises.
Business Model
The company generates revenue primarily through interest income earned on its diverse loan portfolio and fees from financial services. It operates through a widespread branch network to reach underserved rural and urban segments.
- Branch Network:575
Growth Outlook
Growth is driven by the expansion of its microfinance and small enterprise lending operations across India. The company continues to leverage its established branch infrastructure to penetrate deeper into rural and semi-urban markets.
Key Risks
- Credit Risk. The company faces significant exposure to default risks given its focus on economically vulnerable segments and unsecured lending.
- Regulatory Risk. Changes in microfinance regulations and interest rate caps by the Reserve Bank of India could adversely impact profitability.
- Operational Risk. Managing a large, geographically dispersed branch network introduces challenges in maintaining underwriting standards and operational efficiency.
- Interest Rate Risk. Fluctuations in market interest rates may affect the company's cost of funds and net interest margins.
Price
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Key Metrics
REVENUE
₹5,678 Cr
TTM · consolidated
NET PROFIT
₹1,120 Cr
TTM · consolidated
EPS
₹67.46
TTM · consolidated
RETURN ON EQUITY
36.4%
TTM · consolidated
EBITDA MARGIN
67.3%
TTM · consolidated
NET PROFIT MARGIN
17.9%
Q3 FY24 · consolidated
Peers · Microfinance Institution
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Ujjivan Financial Services LimitedUJJIVAN | 7,197 | — | — | 40.5% | 67.3% | 36.4% | 1.3% | — |
Aavas Financiers Ltd.AAVAS | 8,837 | 18.14 | — | 14.0% | 73.7% | 14.4% | — | -21.4% |
Tsf InvestmentsTSFINV | 7,952 | 20.23 | — | 537.1% | 24.0% | 9.3% | — | — |
India Shelter Finance Corporation LimitedINDIASHLTR | 7,689 | 17.54 | — | 31.1% | 72.7% | 17.8% | — | -15.8% |
Religare Enterprises LimitedRELIGARE | 7,022 | 102.11 | — | 14.9% | 2.0% | 2.8% | — | -2.3% |
MAS Financial Services LimitedMASFIN | 5,378 | 15.40 | — | 25.0% | — | 13.9% | — | -8.5% |
As of Q3 FY24
Financials
Ujjivan Financial Services Limited
NSE: UJJIVAN · Microfinance Institution
Snapshot
Unlock Ujjivan Financial Services Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Ujjivan Financial Services Limited is a non-banking financial company focused on providing financial services to the economically active poor in India. Its diverse product portfolio includes microfinance, housing loans, personal loans, vehicle loans, and various secured and unsecured credit facilities for micro and small enterprises.
Business Model
The company generates revenue primarily through interest income earned on its diverse loan portfolio and fees from financial services. It operates through a widespread branch network to reach underserved rural and urban segments.
- Branch Network:575
Growth Outlook
Growth is driven by the expansion of its microfinance and small enterprise lending operations across India. The company continues to leverage its established branch infrastructure to penetrate deeper into rural and semi-urban markets.
Key Risks
- Credit Risk. The company faces significant exposure to default risks given its focus on economically vulnerable segments and unsecured lending.
- Regulatory Risk. Changes in microfinance regulations and interest rate caps by the Reserve Bank of India could adversely impact profitability.
- Operational Risk. Managing a large, geographically dispersed branch network introduces challenges in maintaining underwriting standards and operational efficiency.
- Interest Rate Risk. Fluctuations in market interest rates may affect the company's cost of funds and net interest margins.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on Ujjivan Financial Services Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹5,678 Cr
TTM · consolidated
NET PROFIT
₹1,120 Cr
TTM · consolidated
EPS
₹67.46
TTM · consolidated
RETURN ON EQUITY
36.4%
TTM · consolidated
EBITDA MARGIN
67.3%
TTM · consolidated
NET PROFIT MARGIN
17.9%
Q3 FY24 · consolidated
Peers · Microfinance Institution
As of Q3 FY24