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Ujjivan Financial Services Ltd284.05 -1.40 (-0.49%)

  • BSE: 539874
  • |
  • NSE: UJJIVAN
  • |
  • ISIN NO: INE334L01012
  • |
  • INDUSTRY: Finance (including NBFCs)
Profile

UJJIVAN

UJJIVAN

It was initially incorporated as Ujjivan Financial Services Private Limited as on December 28, 2004, at Bengaluru, Karnataka, India as a private limited company under the Companies Act, 1956. According to a certificate being issued by the RBI on October 31, 2005, it also obtained the certificate of registration as an NBFC under section 45 IA of the RBI Act. Since Financial Year 2009, it has been classified as a systemically important non-deposit accepting NBFC. ... Also, the RBI granted the Company NBFC-MFI status as of September 5, 2013. Soon, it was converted into a public limited company according to a special resolution passed by the Shareholders during the EGM held on November 3, 2015, and consequently, the company name was changed to Ujjivan Financial Services Limited. Also, the RoC issued a fresh certificate of incorporation consequent upon conversion to a public limited company as of November 26, 2015. Also, a fresh certificate of registration consequent upon the name change was issued by the RBI as of March 4, 2016.

Some of the Milestones:

  • 2004: It commenced operations as a private limited company.
  • 2005: It obtained registration from RBI to commence operations as an NBFC and commenced operations in the southern region of India.
  • 2006: Also, the investment by MSDF.
  • 2007: It introduced the employee stock option scheme.
  • 2009: It commenced operations in the western region of India.
  • 2011:
  • It commenced operations in the north-eastern region of India.
  • It was awarded for outstanding contribution in enrolling one mn members under the financial inclusion product "Group Term Life" by Bajaj Allianz.
  • 2012: Also, investment by IFC and FMO.
  • 2013: It granted NBFC-MFI status by RBI.
  • 2015:
  • The investment by CX Partners, Bajaj, NewQuest, Alena, and CDC.
  • Also, the listing of secured and redeemable non – convertible debentures on BSE.
  • An up-gradation of CARE rating for long term bank facilities to "CARE A (Single-A)."

Some of the Achievements:

  • 2007: It was awarded the “Unitus Accelerator Award” at the Unitus Leadership Summit.
  • 2008: It was awarded the “Microfinance Process Excellence Award - 08” for South Region by Royal Bank of Scotland Group in partnership with Planet Finance.
  • 2009:
  • It was ranked #1 amongst the best companies to work for in the MFI industry under the assessment study conducted by Great Places to Work Institute.
  • It was awarded a certificate for reporting on social indicators to MIX under the gold category by the Michael & Susan Dell Foundation in collaboration with the Ford Foundation and CGAP.
  • 2010:
  • It was ranked amongst the top 100 companies as India’s best companies to work for by The Economic Times in collaboration with the Great Place to Work Institute.
  • It was awarded the “Srijan MFI Transparency Award 2010” in the established MFI category by Intellecap.
  • 2011:
  • It was ranked #14 amongst the best companies to work by The Economic Times in collaboration with the Great Place to Work Institute.
  • It was ranked #1 amongst the best companies to work for in the MFI industry by The Economic Times in collaboration with the Great Place to Work Institute.
  • It was awarded as the “Organisation of the year” under the large microfinance institution category at Microfinance India summit.
  • 2012:
  • It was ranked #16 amongst the top 50 companies having above 1,000 employees in India’s best companies to work for 2012 by The Economic Times in collaboration with the Great Place to Work Institute.
  • It was ranked #21 amongst India’s 25 best companies to work for by The Economic Times in collaboration with the Great Place to Work Institute.
  • It was ranked #2 amongst the best companies to work for in the MFI industry under the assessment study conducted by Great Places to Work Institute.
  • 2013:
  • It was ranked #2 amongst the best companies by Endenred - India in collaboration with the Great Place to Work Institute.
  • It was awarded amongst India's 100 innovative companies by Inc. India Magazine.
  • 2014:
  • It was also awarded as "Best Inspiring Place to Work" under the NBFC category by Banking Frontiers in collaboration with Deloitte.
  • It was ranked #9 amongst the best companies to work in 2014 by The Economic Times in collaboration with the Great Place to Work Institute.
  • It received the ‘MIX S.T.A.R. MFI 2013’ award from MIX.
  • 2015:
  • It was also being awarded the certificate of excellence in recognition of smart innovation as the Innovative 100 summit by Inc. India Magazine.
  • It was awarded the "Skoch Order-of-Merit" for qualifying amongst India’s best in 2015 for capacity building and financial literacy by Skoch Group.
  • 2016:
  • It was awarded "Corporate Citizen of the Year 2016" by the Public Relations Council of India.
  • It was also ranked #23 amongst the Best Workplaces 2016 Asia in the ‘25 Best Large Workplaces (with 501+ Employees)’ category from the Great Place to Work Institute.

Read More
Key Data
  • Market cap 2080.00 CR.
  • Book value 148.50
  • Stock P/E 392
  • Dividend Yield 0.76%
  • ROCE 1.34%
  • ROE 1.21%
  • Sales Growth (3Y) 20.29%
  • Face Value (3Y) 10.00
Trend Analysis
  • Short Term Trend :
    Up
  • Medium Term Trend :
    Up
  • Long Term Trend :
    Not Clear

Are you friends with trend?

There is a saying in stock market, "Trend is your best friend"

It means, a good trader doesn't place his money against the trend. Many new traders lose money because they are trying to catch trend reversals but seasoned traders wait for a clear trend to emerge before taking the trade in the direction of trend.

Day Technicals

What is Opening Range Breakout?

An opening range breakout is breaking out of the day's range after a stock has moved for some time in a sideways trend. In technical terms, its a breakout from the support and resistance level in an upward or downward trend.

NR7

What is NR7 trading strategy?

Narrow Range trading strategy or NR7 Trading strategy is a breakout based method which assumes that the price of security trends up or down after a brief consolidation in a narrow range.

Opening Price clues

How to use Opening Price Clues in your trades?

If the stock has same open and high after it has traded for some time, it implies there was a consistent selling pressure that didn't allow the stock to move higher from the opening price. Similarly, if the stock has same open and low price, it implies there was a consistent buying intent that kept the stock price above the opening price.

Day High Low Range
TIME LOWEST HIGHEST
10 AM 283.25 287.00
11 AM 283.25 287.00
12 PM 283.00 287.00
1 PM 283.00 287.00
2 PM 283.00 288.00
3 PM 283.00 288.00
Japanese Candlestick Patterns
Candle Pattern 1 :None
Candle Pattern 2 : Bearish Engulfing
Candle Pattern 3 :None
Candlestick Price Action
Inside Day
Pivot Points
Name S4 S3 S2 S1 Pivot Points R1 R2 R3 R4
classic 264.02 271.07 278.12 281.78 285.17 288.83 292.22 299.27 306.32
woodie's 267.27 274.32 277.91 281.38 284.96 288.42 292.01 295.48 302.52
fibonacci - 278.12 280.81 282.47 285.17 287.86 289.52 292.22 -
camarilla 281.57 283.51 284.16 284.80 -- 286.10 286.74 287.39 289.33
Past Performance & Moving Averages
Day’s LOW HIGH RANGE SMA PERFORMANCE Nifty
10 DAY 242.55
297.60
273.86 2.96 % 2.25 %
20 DAY 212.50
297.60
252.44 18.86 % 4.01 %
50 DAY 198.00
297.60
228.23 40.24 % 10.93 %
100 DAY 198.00
297.60
234.61 15.10 % 14.80 %
200 DAY 124.65
396.50
227.10 88.42 % 48.91 %
YTD 124.65
415.55
244.75 -17.36 % 7.80 %
52 Week 124.65
415.55
265.12 -14.28 % 9.87 %

Why are moving Averages important in technical Analysis?

An opening range breakout is breaking out of the day's range after a stock has moved for some time in a sideways trend. In technical terms, its a breakout from the support and resistance level in an upward or downward trend.

Gaps On Day Chart
Unfilled Gap Up On 2020-11-23
277.25 ~ 252.00 SUPPORT
Unfilled Gap Up On 2020-06-01
174.15 ~ 171.95 SUPPORT
Unfilled Gap Up On 2020-05-28
159.25 ~ 158.00 SUPPORT
Unfilled Gap Down On 2020-03-06
322.15 ~ 332.60 RESISTANCE
Unfilled Gap Down On 2020-02-28
356.50 ~ 359.15 RESISTANCE
Industry Growth Rate

In Last 1 Year the industry has grown by 15.72 %

In Last 5 Year the industry has grown by 1.38 %

Peer comparison

Sales

COMPANY NAME201420152016201720182019
UJJIVAN 1393.001516.001957.00
RELCAPITAL7467.008900.009941.0017507.0018725.0020453.00
RECLTD17223.0020544.0024125.0024338.0022658.0025408.00
PFC21407.0024988.0027861.0027581.0048624.0054114.00
BAJFINANCE5392.007299.009970.0012746.0018485.00
Total 16157.80 20853.80 24083.40 15365.67 14956.00 17306.50

Financial

LAST FISCAL CURRENT GROWTH 10 YEAR CAGR
S.NO. COMPANY NAME MARKET CAP CMP BOOK VALUE EPS STOCK P/E ROE GNPA REVENUE NET PROFIT NPM REVENUE NET PROFIT REVENUE NET PROFIT
1 Bajaj Finance Limited 290233.15 4822.15 361.60 69.26 65.38 34.74 1.54% 18485.00 3995.00 21.61% 45.03% 60.06%
2 Paisalo Digital Ltd 67353.69 157.90 154.71 13.89 15.85 1.37 361.00 56.00 15.51% 19.54%
3 PTC INDIA FINANCIAL SERVICES LTD. 54641.40 8.55 32.19 2.87 4.97 0.29 1336.00 184.00 13.77% 12.74%
4 ARMAN FINANCIAL SERVICES LTD. 24912.40 293.50 124.77 30.69 26.84 3.00 141.00 21.00 14.89% 80.77% 200.00%
5 The Investment Trust Of India Ltd 50513.41 99.00 74.90 6.92 17.11 0.69 630.12 35.29 5.60% 87.83% 32.01%
6 PNB GILTS LTD. 47252.88 26.25 50.01
7 SREI INFRASTRUCTURE FINANCE LTD. 30185.41 5.98 58.62 9.67 0.91 0.97 6565.00 487.00 7.42% 21.53% 28.84% 22.78% 19.50%
8 NALWA SONS INVESTMENTS LTD. 33285.22 634.50 5870.00 151.95 5.13 15.60 43.00 78.00 181.40% 19.44% 609.09% 1.51%
9 VARDHMAN HOLDINGS LTD. 31866.51 1000.00 1922.00 632.23 2.03 67.33 9.00 202.00 2244.44% 12.85%
10 POWER FINANCE CORPORATION LTD. 28934.93 109.55 172.14 37.58 3.27 3.76 54114.00 9921.00 18.33% 11.29% 48.32% 23.44% 21.04%
11 MUTHOOT FINANCE LTD. 46207.97 1153.15 264.32 51.86 14.65 5.18 7594.00 2078.00 27.36% 13.11% 13.55%
12 REC Ltd 23985.07 121.45 186.52 29.07 5.19 2.91 25408.00 5741.00 22.60% 12.14% 28.98% 17.93% 16.25%
13 CREST VENTURES LIMITED 17399.06 60.00 115.63 16.84 5.70 1.71 52.00 48.00 92.31% 47.27%
14 Cholamandalam Investment and Finance Company Ltd 29310.04 374.70 83.19 15.32 22.37 7.68 7088.00 1198.00 16.90% 27.50% 30.36% 20.05%
15 SHRIRAM TRANSPORT FINANCE CO.LTD. 23403.18 1029.50 751.03 113.51 9.98 11.35 15529.00 2576.00 16.59% 15.01% 1.06%
16 MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD. 10220.92 165.45 174.08 29.72 13.05 14.85 10429.00 1827.00 17.52% 31.85% 54.18% 22.27% 23.58%
17 RELIANCE CAPITAL LTD. 23025.22 9.10 234.54 20453.00 9.23% 13.41%
18 SUNDARAM FINANCE LTD. 19987.13 1798.40 478.23 105.40 15.83 10.55 3772.00 1161.00 30.78% 59.04% 8.03% 21.33%
19 INDUSTRIAL INVESTMENT TRUST LTD. 16532.44 75.05 206.44 23.00 27.78% 1.93%
20 MANAPPURAM FINANCE LTD. 14714.99 174.00 56.88 10.94 15.43 5.46 0.55% 4116.00 922.00 22.40% 20.32% 36.19% 37.94% 40.85%
Sales

What is Sales Trend ?

Sales trend is a methodology to understand sales results which helps in understanding the trends of the market over a specific period of time. Sales results are an indicative of the sales patterns followed by the customer over a time period.

Profitability

What is Profit & EPS Trend ?

EPS Trends was initially built in late 2015 when I was just getting into frontend development. Coming from a background in Rails, I was frustrated with how many decisions you had to make early on as a javascript developer.

Net Profit
EPS

What is EBITDA Margin & EBIT Margin ?

Corporate accounting is required to adhere to the standards and practices collectively referred to as the generally accepted accounting principles. EBITDA is an excellent way for corporate accountants to start compiling data, but it should not be considered an absolute result. This is due to the fact that many consider EBITDA more of a broad stroke than a definitive form of accounting practice.

EBITDA Margin
EBIT Margin
NPM
Cash Flow

Why is the Cash Flow Analysis important?

A business needs cash to pay its expenses, to pay bank loans, to pay taxes and to purchase new assets. A cash flow report determines whether a business has enough cash to do exactly this.

Operating Activities
Financing Activities
Investing Activities
Financial Health

What Is Financial Health?

Financial health is a term used to describe the state of one's personal monetary affairs. There are many dimensions to financial health, including the amount of savings you have, how much you’re putting away for retirement, and how much of your income you are spending on fixed or non-discretionary expenses.

Debt to Equity
Piotroski Score
  • 0
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9

What Is the Piotroski Score?

The Piotroski score is a discrete score between 0-9 that reflects nine criteria used to determine the strength of a firm's financial position.

Altman Z Score (Mfg Company)
  • 0.84
    Distress (< 1.81)
  • Caution (>1.81 < 2.99)
  • Safe (3 & above)
Altman Z Score (Non-Mfg Company)
  • Distress ( < 1.23)
  • 1.77
    Caution (>1.23 < 2.6)
  • Safe (2.6 & above)
Valuation

What Is Valuation?

Valuation is the analytical process of determining the current (or projected) worth of an asset or a company. There are many techniques used for doing a valuation. An analyst placing a value on a company looks at the business's management, the composition of its capital structure, the prospect of future earnings, and the market value of its assets, among other metrics.

What is the significance of Rollover data?

Rollover in an important data point and should be analyzed in the expiry week. Rollover involves carry forwarding of ‘futures’ positions from one series (which is nearing expiry date) to the next one.

Rollover percentage actually indicates whether the traders are willing to carry forward their existing. positions (long or short) to the next series or not. Generally, the rollover figures alone will not indicate which direction traders are betting on. You should also check whether absolute open interest is increasing or decreasing over expiries

What is Options Max Pain Theory?

Options Max Pain Theory suggests,

“On option expiration day, the underlying stock price often moves toward a point that brings maximum loss to option buyers.”

Ratio Analysis

The Bank was incorporated in the year 2004 by Rana Kapoor and Late Ashok Kapur, which is a new age private sector bank. And since the inception of the bank has fructified into a “Full-Service Commercial Bank,” it has steadily built Corporate and Institutional Banking, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines across the whole country.

It is well-equipped to offer a spectrum of products and services to all the corporate and retail customers.

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Bulk Deals
Symbol Name Deal Date Client Name Transcation Type Quantity Price
UJJIVAN 2018-01-10 CDC GROUP PLC S 1182646.00 405.00
UJJIVAN 2017-05-19 CINNAMON CAPITAL LIMITED P 2750000.00 360.00
UJJIVAN 2017-05-19 CDC GROUP PLC S 2750000.00 360.00
UJJIVAN 2016-05-10 G R D SECURITIES LIMITED S 601147.00 232.06
UJJIVAN 2016-05-10 G R D SECURITIES LIMITED P 608397.00 231.97
Block Deals
Symbol Name Deal Date Client Name Transcation Type Quantity Price
Dividend history
Ex Date Amount
2019-07-25 0.45
2019-03-20 0.85
2018-06-19 0.50
2017-07-27 0.80
2016-08-02 0.50
Bonus Data
Company Name Split Date From Value To Value
Split Data
Company Name Split Date From Value To Value