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ARMAN FINANCIAL vs UJJIVAN FINANCIAL SERVICES - Comparison Results

Rs 100 invested in...

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Current Valuations

    ARMAN FINANCIAL UJJIVAN FINANCIAL SERVICES ARMAN FINANCIAL/
UJJIVAN FINANCIAL SERVICES
 
P/E (TTM) x 11.3 5.2 219.4% View Chart
P/BV x 4.9 1.8 269.3% View Chart
Dividend Yield % 0.0 1.1 -  

Financials

 ARMAN FINANCIAL   UJJIVAN FINANCIAL SERVICES
EQUITY SHARE DATA
    ARMAN FINANCIAL
Mar-23
UJJIVAN FINANCIAL SERVICES
Mar-23
ARMAN FINANCIAL/
UJJIVAN FINANCIAL SERVICES
5-Yr Chart
Click to enlarge
High Rs1,706313 544.5%   
Low Rs894103 868.5%   
Income per share (Unadj.) Rs499.3363.4 137.4%  
Earnings per share (Unadj.) Rs110.573.2 150.9%  
Cash flow per share (Unadj.) Rs-282.6226.8 -124.6%  
Dividends per share (Unadj.) Rs05.00 0.0%  
Avg Dividend yield %02.4 0.0%  
Book value per share (Unadj.) Rs430.5259.9 165.6%  
Shares outstanding (eoy) m8.49121.68 7.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.60.6 454.7%   
Avg P/E ratio x11.82.8 413.9%  
Avg P/CF ratio x1.92.5 75.0%  
Avg Price/Bookvalue ratio x3.00.8 377.2%  
Dividend payout %06.8 0.0%   
Avg Mkt Cap Rs m11,03925,321 43.6%   
No. of employees `000NANA-   
Total wages & salary Rs m5479,298 5.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m4,23944,213 9.6%  
Other income Rs m03,582 0.0%   
Interest expense Rs m1,72314,931 11.5%   
Net interest income Rs m2,51629,282 8.6%  
Operating expense Rs m1,25515,928 7.9%   
Gross profit Rs m1,26113,354 9.4%  
Gross profit margin %29.730.2 98.5%  
Provisions/contingencies Rs m4,9051,138 431.0%   
Profit before tax Rs m1,25015,308 8.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-2,496 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m3113,905 8.0%   
Profit after tax Rs m9388,907 10.5%  
Net profit margin %22.120.1 109.9%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %1,291.933.9 3,813.6%  
Net fixed assets Rs m616,836 0.9%   
Share capital Rs m851,217 7.0%   
Free reserves Rs m3,57030,405 11.7%   
Net worth Rs m3,65531,622 11.6%   
Borrowings Rs m1,7570-   
Investments Rs m19586,441 0.2%   
Total assets Rs m20,671351,533 5.9%  
Debt/equity ratio x0.50-   
Return on assets %4.52.5 179.1%  
Return on equity %25.728.2 91.1%  
Capital adequacy ratio %32.625.8 126.4%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-7,17720,727 -34.6%  
From Investments Rs m-126-45,541 0.3%  
From Financial Activity Rs m6,81026,402 25.8%  
Net Cashflow Rs m-4931,587 -31.1%  

Share Holding

Indian Promoters % 23.7 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 14.3 42.4 33.7%  
FIIs % 6.6 35.0 19.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 76.4 100.0 76.4%  
Shareholders   15,688 96,170 16.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ARMAN FINANCIAL With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    AAVAS FINANCIERS    


More on ARMAN LEASIN vs UJJIVAN FINANCIAL SERVICES

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

Here's a brief comparison:

ARMAN LEASIN vs UJJIVAN FINANCIAL SERVICES Share Price Performance

Period ARMAN LEASIN UJJIVAN FINANCIAL SERVICES
1-Day -0.98% -1.04%
1-Month -16.44% -9.37%
1-Year 39.96% 98.48%
3-Year CAGR 44.62% 31.32%
5-Year CAGR 36.92% 7.16%

* Compound Annual Growth Rate

Here are more details on the ARMAN LEASIN share price and the UJJIVAN FINANCIAL SERVICES share price.

Moving on to shareholding structures...

The promoters of ARMAN LEASIN hold a 23.7% stake in the company. In case of UJJIVAN FINANCIAL SERVICES the stake stands at 0.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of ARMAN LEASIN and the shareholding pattern of UJJIVAN FINANCIAL SERVICES.

Finally, a word on dividends...

In the most recent financial year, ARMAN LEASIN paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

UJJIVAN FINANCIAL SERVICES paid Rs 5.0, and its dividend payout ratio stood at 6.8%.

You may visit here to review the dividend history of ARMAN LEASIN, and the dividend history of UJJIVAN FINANCIAL SERVICES.

For a sector overview, read our finance sector report.



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