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UPASANA FINANCE vs PNB GILTS - Comparison Results

Rs 100 invested in...

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Current Valuations

    UPASANA FINANCE PNB GILTS UPASANA FINANCE/
PNB GILTS
 
P/E (TTM) x 17.5 133.4 13.1% View Chart
P/BV x 2.6 1.6 168.4% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UPASANA FINANCE   PNB GILTS
EQUITY SHARE DATA
    UPASANA FINANCE
Mar-23
PNB GILTS
Mar-23
UPASANA FINANCE/
PNB GILTS
5-Yr Chart
Click to enlarge
High Rs3479 43.6%   
Low Rs1055 18.1%   
Income per share (Unadj.) Rs7.868.3 11.5%  
Earnings per share (Unadj.) Rs3.4-4.3 -79.0%  
Cash flow per share (Unadj.) Rs-9.712.0 -80.8%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs36.470.0 51.9%  
Shares outstanding (eoy) m4.28180.01 2.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.81.0 288.7%   
Avg P/E ratio x6.6-15.6 -41.9%  
Avg P/CF ratio x1.2-37.3 -3.2%  
Avg Price/Bookvalue ratio x0.61.0 63.7%  
Dividend payout %00-   
Avg Mkt Cap Rs m9512,079 0.8%   
No. of employees `000NANA-   
Total wages & salary Rs m1116 0.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m3412,298 0.3%  
Other income Rs m16 14.7%   
Interest expense Rs m129,756 0.1%   
Net interest income Rs m222,542 0.9%  
Operating expense Rs m33,464 0.1%   
Gross profit Rs m18-922 -2.0%  
Gross profit margin %54.9-7.5 -732.8%  
Provisions/contingencies Rs m64448 14.3%   
Profit before tax Rs m19-851 -2.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m5-78 -5.9%   
Profit after tax Rs m15-772 -1.9%  
Net profit margin %43.3-6.3 -689.3%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %01.4- 
Net fixed assets Rs m170 0.7%   
Share capital Rs m431,800 2.4%   
Free reserves Rs m11310,800 1.0%   
Net worth Rs m15612,600 1.2%   
Borrowings Rs m361192,384 0.2%   
Investments Rs m0186,979 0.0%   
Total assets Rs m606214,872 0.3%  
Debt/equity ratio x2.315.3 15.2%   
Return on assets %2.4-0.4 -665.7%  
Return on equity %9.3-6.1 -152.0%  
Capital adequacy ratio %031.8 0.0%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-260-46,383 0.6%  
From Investments Rs mNA-144 -0.0%  
From Financial Activity Rs m43046,180 0.9%  
Net Cashflow Rs m170-347 -49.0%  

Share Holding

Indian Promoters % 35.2 74.1 47.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.0 0.0 -  
FIIs % 0.0 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 64.8 25.9 249.7%  
Shareholders   6,071 81,673 7.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UPASANA FINANCE With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on UPASANA FIN. vs PNB GILTS

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

Here's a brief comparison:

UPASANA FIN. vs PNB GILTS Share Price Performance

Period UPASANA FIN. PNB GILTS
1-Day -2.60% 3.30%
1-Month -5.33% -0.36%
1-Year 69.34% 96.13%
3-Year CAGR 54.73% 32.15%
5-Year CAGR -4.85% 27.93%

* Compound Annual Growth Rate

Here are more details on the UPASANA FIN. share price and the PNB GILTS share price.

Moving on to shareholding structures...

The promoters of UPASANA FIN. hold a 35.2% stake in the company. In case of PNB GILTS the stake stands at 74.1%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of UPASANA FIN. and the shareholding pattern of PNB GILTS.

Finally, a word on dividends...

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

PNB GILTS paid Rs 0.0, and its dividend payout ratio stood at -0.0%.

You may visit here to review the dividend history of UPASANA FIN., and the dividend history of PNB GILTS.

For a sector overview, read our finance sector report.



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