BSE:511764

Stock Analysis Report

Executive Summary

Upasana Finance Limited, a non-banking financial company, focuses on the recovery of overdue receivables.


Snowflake Analysis

Poor track record with worrying balance sheet.

Share Price & News

How has Upasana Finance's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 511764's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-4.3%

511764

-10.6%

IN Consumer Finance

-2.9%

IN Market


1 Year Return

-65.1%

511764

-26.9%

IN Consumer Finance

-29.3%

IN Market

Return vs Industry: 511764 underperformed the Indian Consumer Finance industry which returned -26.4% over the past year.

Return vs Market: 511764 underperformed the Indian Market which returned -29.2% over the past year.


Shareholder returns

511764IndustryMarket
7 Day-4.3%-10.6%-2.9%
30 Day-6.9%-44.5%-26.5%
90 Day-40.3%-39.0%-28.5%
1 Year-65.1%-65.1%-26.2%-26.9%-27.9%-29.3%
3 Year-21.3%-21.3%24.0%21.2%-15.4%-20.0%
5 Year104.3%104.3%104.9%95.5%-3.3%-8.3%

Price Volatility Vs. Market

How volatile is Upasana Finance's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Upasana Finance undervalued compared to its fair value and its price relative to the market?

20.68x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 511764's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 511764's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 511764 is poor value based on its PE Ratio (20.7x) compared to the Consumer Finance industry average (10.4x).

PE vs Market: 511764 is poor value based on its PE Ratio (20.7x) compared to the Indian market (9.2x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 511764's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 511764 is overvalued based on its PB Ratio (0.7x) compared to the IN Consumer Finance industry average (0.6x).


Next Steps

Future Growth

How is Upasana Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

26.0%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Upasana Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Upasana Finance performed over the past 5 years?

-17.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 511764 has high quality earnings.

Growing Profit Margin: 511764's current net profit margins (33.9%) are lower than last year (55.1%).


Past Earnings Growth Analysis

Earnings Trend: 511764's earnings have declined by -17.7% per year over the past 5 years.

Accelerating Growth: 511764's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 511764 had negative earnings growth (-18.2%) over the past year, making it difficult to compare to the Consumer Finance industry average (15.6%).


Return on Equity

High ROE: 511764's Return on Equity (3.1%) is considered low.


Next Steps

Financial Health

How is Upasana Finance's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: 511764 has a low level of unsold assets or inventory.

Debt Coverage by Assets: Insufficient data to determine if 511764's debt is covered by short term assets.


Financial Institutions Analysis

Asset Level: 511764's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if 511764 has a sufficient allowance for bad loans.

Low Risk Liabilities: 511764 reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if 511764 has an acceptable proportion of non-loan assets held.

Low Risk Deposits: 511764 has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if 511764 has an appropriate level of bad loans.


Next Steps

Dividend

What is Upasana Finance's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 511764's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate 511764's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 511764's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 511764's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 511764's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.4yrs

Average board tenure


CEO

Vikash Mahipal

1.17s

Tenure

₹45,000

Compensation

Mr. Vikash Mahipal is Chief Executive Officer and Chief Financial Officer of Upasana Finance Limited since January 1, 2019. 


CEO Compensation Analysis

Compensation vs Market: Vikash's total compensation ($USD597.03) is below average for companies of similar size in the Indian market ($USD48.50K).

Compensation vs Earnings: Insufficient data to compare Vikash's compensation with company performance.


Board Members

NamePositionTenureCompensationOwnership
Bhavika Jain
Non-Executive Director2.42yrsno data27.94% 25.0m
Khushbu Mohan Jain
Non-Executive Director2.42yrsno data23.38% 20.9m
Rekha Jain
Non-Executive Director2.42yrsno data1.75% 1.6m
Bharat Dughar
Non-Executive Independent Director2.33yrsno datano data
Velu Jain
Non-Executive Independent Director2.33yrsno datano data
Biswajit Chaudhury
Additional Non Executive Independent Director0.33yrno datano data

2.4yrs

Average Tenure

44yo

Average Age

Experienced Board: 511764's board of directors are not considered experienced ( 2.4 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Upasana Finance Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Upasana Finance Limited
  • Ticker: 511764
  • Exchange: BSE
  • Founded: 1985
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹89.410m
  • Shares outstanding: 4.28m
  • Website: https://www.upasanafinance.com

Number of Employees


Location

  • Upasana Finance Limited
  • Sapna Trade Centre
  • 10th Floor
  • Chennai
  • Tamil Nadu
  • 600084
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
511764BSE (Mumbai Stock Exchange)YesEquity SharesININRAug 1998

Biography

Upasana Finance Limited, a non-banking financial company, focuses on the recovery of overdue receivables. It offers short and long term financing services to corporate and non-corporate entities. The company was incorporated in 1985 and is based in Chennai, India. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/03/28 12:39
End of Day Share Price2020/03/26 00:00
Earnings2019/12/31
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.