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UPSURGE INV. vs ORACLE CREDIT - Comparison Results

Rs 100 invested in...

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Current Valuations

    UPSURGE INV. ORACLE CREDIT UPSURGE INV./
ORACLE CREDIT
 
P/E (TTM) x 12.3 35.0 35.1% View Chart
P/BV x 1.9 6.3 29.9% View Chart
Dividend Yield % 1.1 0.3 323.6%  

Financials

 UPSURGE INV.   ORACLE CREDIT
EQUITY SHARE DATA
    UPSURGE INV.
Mar-23
ORACLE CREDIT
Mar-23
UPSURGE INV./
ORACLE CREDIT
5-Yr Chart
Click to enlarge
High Rs63341 18.5%   
Low Rs2741 65.2%   
Income per share (Unadj.) Rs21.528.1 76.8%  
Earnings per share (Unadj.) Rs0.39.7 3.4%  
Cash flow per share (Unadj.) Rs-9.915.6 -63.2%  
Dividends per share (Unadj.) Rs0.500.50 100.0%  
Avg Dividend yield %1.10.3 426.3%  
Book value per share (Unadj.) Rs24.535.2 69.6%  
Shares outstanding (eoy) m15.156.94 218.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.16.8 30.6%   
Avg P/E ratio x134.919.7 686.2%  
Avg P/CF ratio x1.410.4 13.6%  
Avg Price/Bookvalue ratio x1.85.4 33.7%  
Dividend payout %150.65.1 2,924.9%   
Avg Mkt Cap Rs m6791,324 51.2%   
No. of employees `000NANA-   
Total wages & salary Rs m526 20.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m326195 167.7%  
Other income Rs m01 28.8%   
Interest expense Rs m219 8.7%   
Net interest income Rs m325176 184.8%  
Operating expense Rs m31667 470.1%   
Gross profit Rs m9109 8.0%  
Gross profit margin %2.755.7 4.8%  
Provisions/contingencies Rs m47460 792.3%   
Profit before tax Rs m9101 8.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m434 11.0%   
Profit after tax Rs m567 7.5%  
Net profit margin %1.534.6 4.5%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %267.762.2 430.2%  
Net fixed assets Rs m2120 1.7%   
Share capital Rs m15269 218.4%   
Free reserves Rs m220175 125.8%   
Net worth Rs m372245 152.0%   
Borrowings Rs m23384 5.9%   
Investments Rs m121282 42.9%   
Total assets Rs m419758 55.2%  
Debt/equity ratio x0.11.6 3.9%   
Return on assets %1.28.9 13.5%  
Return on equity %1.427.5 4.9%  
Capital adequacy ratio %00-  
Net NPAs %00-  
CASH FLOW
From Operations Rs m98-236 -41.4%  
From Investments Rs m-88-174 50.7%  
From Financial Activity Rs m-8442 -1.7%  
Net Cashflow Rs m232 6.8%  

Share Holding

Indian Promoters % 57.2 15.7 364.2%  
Foreign collaborators % 0.0 15.4 -  
Indian inst/Mut Fund % 0.0 0.0 -  
FIIs % 0.0 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 42.9 68.9 62.2%  
Shareholders   4,059 4,671 86.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UPSURGE INV. With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on UPSURGE INV. vs ORACLE CREDIT

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

UPSURGE INV. vs ORACLE CREDIT Share Price Performance

Period UPSURGE INV. ORACLE CREDIT
1-Day -1.13% 2.25%
1-Month 2.16% 4.67%
1-Year 47.30% 139.78%
3-Year CAGR 26.63% 158.82%
5-Year CAGR 19.58% 64.15%

* Compound Annual Growth Rate

Here are more details on the UPSURGE INV. share price and the ORACLE CREDIT share price.

Moving on to shareholding structures...

The promoters of UPSURGE INV. hold a 57.2% stake in the company. In case of ORACLE CREDIT the stake stands at 31.1%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of UPSURGE INV. and the shareholding pattern of ORACLE CREDIT.

Finally, a word on dividends...

In the most recent financial year, UPSURGE INV. paid a dividend of Rs 0.5 per share. This amounted to a Dividend Payout ratio of 150.6%.

ORACLE CREDIT paid Rs 0.5, and its dividend payout ratio stood at 5.1%.

You may visit here to review the dividend history of UPSURGE INV., and the dividend history of ORACLE CREDIT.

For a sector overview, read our finance sector report.



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