Helping You Build Wealth With Honest Research
Since 1996. Read On...

MEMBER'S LOGINX

     
Invalid Username / Password
   
     
   
     
 
Invalid Captcha
   
 
 
 
(Please do not use this option on a public machine)
 
     
 
 
 
  Sign Up | Forgot Password?  

SARASWATI COMMERCIAL (INDIA) vs UJJIVAN FINANCIAL SERVICES - Comparison Results

Rs 100 invested in...

Loading...
DO YOU LIKE THESE REPORTS? TELL US!

Current Valuations

    SARASWATI COMMERCIAL (INDIA) UJJIVAN FINANCIAL SERVICES SARASWATI COMMERCIAL (INDIA)/
UJJIVAN FINANCIAL SERVICES
 
P/E (TTM) x 13.0 6.4 202.1% View Chart
P/BV x 3.2 2.3 140.3% View Chart
Dividend Yield % 0.0 0.8 -  

Financials

 SARASWATI COMMERCIAL (INDIA)   UJJIVAN FINANCIAL SERVICES
EQUITY SHARE DATA
    SARASWATI COMMERCIAL (INDIA)
Mar-24
UJJIVAN FINANCIAL SERVICES
Mar-23
SARASWATI COMMERCIAL (INDIA)/
UJJIVAN FINANCIAL SERVICES
5-Yr Chart
Click to enlarge
High Rs8,427313 2,689.7%   
Low Rs2,251103 2,187.9%   
Income per share (Unadj.) Rs1,245.8363.4 342.9%  
Earnings per share (Unadj.) Rs1,008.873.2 1,378.1%  
Cash flow per share (Unadj.) Rs-2,133.9226.8 -940.7%  
Dividends per share (Unadj.) Rs05.00 0.0%  
Avg Dividend yield %02.4 0.0%  
Book value per share (Unadj.) Rs6,768.8259.9 2,604.6%  
Shares outstanding (eoy) m1.03121.68 0.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.30.6 748.2%   
Avg P/E ratio x5.32.8 186.2%  
Avg P/CF ratio x1.22.5 48.4%  
Avg Price/Bookvalue ratio x0.80.8 98.5%  
Dividend payout %06.8 0.0%   
Avg Mkt Cap Rs m5,49925,321 21.7%   
No. of employees `000NANA-   
Total wages & salary Rs m239,298 0.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m1,28344,213 2.9%  
Other income Rs m03,582 0.0%   
Interest expense Rs m1714,931 0.1%   
Net interest income Rs m1,26629,282 4.3%  
Operating expense Rs m3215,928 0.2%   
Gross profit Rs m1,23513,354 9.2%  
Gross profit margin %96.230.2 318.6%  
Provisions/contingencies Rs m3,4641,138 304.4%   
Profit before tax Rs m1,23515,308 8.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-2,496 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m1963,905 5.0%   
Profit after tax Rs m1,0398,907 11.7%  
Net profit margin %81.020.1 401.9%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %16.633.9 49.0%  
Net fixed assets Rs m06,836 0.0%   
Share capital Rs m101,217 0.8%   
Free reserves Rs m6,96230,405 22.9%   
Net worth Rs m6,97231,622 22.0%   
Borrowings Rs m00-   
Investments Rs m7,62986,441 8.8%   
Total assets Rs m8,049351,533 2.3%  
Debt/equity ratio x00-   
Return on assets %12.92.5 509.5%  
Return on equity %14.928.2 52.9%  
Capital adequacy ratio %73.125.8 283.3%  
Net NPAs %00-  
CASH FLOW
From Operations Rs m33020,727 1.6%  
From Investments Rs m-67-45,541 0.1%  
From Financial Activity Rs m-23826,402 -0.9%  
Net Cashflow Rs m251,587 1.6%  

Share Holding

Indian Promoters % 70.2 0.0 -  
Foreign collaborators % 2.1 0.0 -  
Indian inst/Mut Fund % 0.0 42.7 -  
FIIs % 0.0 35.3 -  
ADR/GDR % 0.0 0.0 -  
Free float % 27.7 100.0 27.7%  
Shareholders   2,936 96,524 3.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SARASWATI COMMERCIAL (INDIA) With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    AAVAS FINANCIERS    


More on SARASWATI COMMERCIAL (INDIA) 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:

SARASWATI COMMERCIAL (INDIA) vs UJJIVAN FINANCIAL SERVICES Share Price Performance

Period SARASWATI COMMERCIAL (INDIA) UJJIVAN FINANCIAL SERVICES
1-Day -4.72% 2.74%
1-Month 11.31% 9.85%
1-Year 574.68% 109.49%
3-Year CAGR 97.99% 43.13%
5-Year CAGR 204.00% 12.86%

* Compound Annual Growth Rate

Here are more details on the SARASWATI COMMERCIAL (INDIA) share price and the UJJIVAN FINANCIAL SERVICES share price.

Moving on to shareholding structures...

The promoters of SARASWATI COMMERCIAL (INDIA) hold a 72.3% 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 SARASWATI COMMERCIAL (INDIA) and the shareholding pattern of UJJIVAN FINANCIAL SERVICES.

Finally, a word on dividends...

In the most recent financial year, SARASWATI COMMERCIAL (INDIA) 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 SARASWATI COMMERCIAL (INDIA), and the dividend history of UJJIVAN FINANCIAL SERVICES.

For a sector overview, read our finance sector report.



Today's Market

Sensex Today Trades Higher | Nifty Above 23,450 | Info Edge & SJVN Jump 5% Sensex Today Trades Higher | Nifty Above 23,450 | Info Edge & SJVN Jump 5%(10:30 am)

Asian markets traded higher on Friday, following the overnight rally on Wall Street, and the release of economic data in the region.