BSE:511764

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

Flawless balance sheet with moderate growth potential.

Risks

  • Upasana Finance has significant price volatility in the past 3 months.
  • Upasana Finance is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-13.6%

BSE:511764

-3.6%

IN Consumer Finance

-2.1%

IN Market


1 Year Return

-14.3%

BSE:511764

-3.2%

IN Consumer Finance

-14.7%

IN Market

511764 underperformed the Consumer Finance industry which returned -3.1% over the past year.

511764 matched the India Market (-14.6%) over the past year.


Share holder returns

511764IndustryMarket
7 Day-13.6%-3.6%-2.1%
30 Day2.7%1.9%-3.9%
90 Day-18.9%-10.2%-10.1%
1 Year-14.3%-14.3%-2.5%-3.2%-12.9%-14.7%
3 Year80.9%80.9%59.3%56.0%17.7%11.5%
5 Year350.0%350.0%233.9%218.2%35.4%22.5%

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 based on future cash flows and its price relative to the stock market?

99.05x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Upasana Finance to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Upasana Finance to establish if it is available at substantial discount.


Price Based on Earnings

Upasana Finance is overvalued based on earnings compared to the IN Consumer Finance industry average.

Upasana Finance is overvalued based on earnings compared to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Upasana Finance, we can't assess if its growth is good value.


Price Based on Value of Assets

Upasana Finance is overvalued based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

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

22.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Upasana Finance is high growth as no revenue estimate data is available.

Upasana Finance's earnings are expected to grow significantly at over 20% yearly.

Unable to compare Upasana Finance's revenue growth to the India market average as no estimate data is available.

Upasana Finance's earnings growth is expected to exceed the India market average.

Upasana Finance's earnings growth is expected to exceed the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Upasana Finance will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Upasana Finance performed over the past 5 years?

-20.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Upasana Finance's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.

Upasana Finance's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Upasana Finance's 1-year earnings growth is negative, it can't be compared to the IN Consumer Finance industry average.


Return on Equity

Upasana Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Upasana Finance used its assets less efficiently than the IN Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Upasana Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Upasana Finance's financial position?


Financial Position Analysis

Upasana Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Upasana Finance has no long term commitments.


Debt to Equity History and Analysis

Upasana Finance has no debt.

Upasana Finance currently has no debt however we can't compare to 5 years ago as we have no data for that period.

Upasana Finance has no debt, it does not need to be covered by operating cash flow.

Upasana Finance has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet

Low level of unsold assets.

Upasana Finance has no debt, it does not need to be covered by short term assets.


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

Unable to evaluate Upasana Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Upasana Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Upasana Finance has not reported any payouts.

Unable to verify if Upasana Finance's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Upasana Finance has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Upasana Finance's salary, the management and board of directors tenure and is there insider trading?

1.8yrs

Average board tenure


CEO

Vikash Mahipal 0

0.6yrs

Tenure

0

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


Board Age and Tenure

1.8yrs

Average Tenure

44yo

Average Age

The average tenure for the Upasana Finance board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

Sell₹2,414,89421 Jan 19
Rekha Jain
EntityIndividual
Role
Member of the Board of Directors
Non-Executive Director
Shares59,453
Max Price₹45.25
Buy₹319,05019 Jan 19
Rekha Jain
EntityIndividual
Role
Member of the Board of Directors
Non-Executive Director
Shares7,500
Max Price₹42.54
Sell₹1,025,50019 Jan 19
Rekha Jain
EntityIndividual
Role
Member of the Board of Directors
Non-Executive Director
Shares25,000
Max Price₹41.02
Sell₹2,133,55705 Jan 19
Rekha Jain
EntityIndividual
Role
Member of the Board of Directors
Non-Executive Director
Shares53,000
Max Price₹40.36
Sell₹901,69121 Dec 18
Rekha Jain
EntityIndividual
Role
Member of the Board of Directors
Non-Executive Director
Shares24,200
Max Price₹37.26
Sell₹10,298,82217 Dec 18
Rekha Jain
EntityIndividual
Role
Member of the Board of Directors
Non-Executive Director
Shares223,983
Max Price₹52.09
Sell₹756,99912 Dec 18
Rekha Jain
EntityIndividual
Role
Member of the Board of Directors
Non-Executive Director
Shares20,000
Max Price₹37.85
Sell₹979,11207 Dec 18
Rekha Jain
EntityIndividual
Role
Member of the Board of Directors
Non-Executive Director
Shares26,220
Max Price₹37.34
Sell₹1,270,14901 Dec 18
Rekha Jain
EntityIndividual
Role
Member of the Board of Directors
Non-Executive Director
Shares35,000
Max Price₹36.29
Sell₹2,570,72929 Nov 18
Rekha Jain
EntityIndividual
Role
Member of the Board of Directors
Non-Executive Director
Shares70,431
Max Price₹36.50

Ownership Breakdown


Management Team

  • Monika Kedia

    Company Secretary & Compliance Officer

    • Tenure: 1.2yrs
  • Vikash Mahipal

    CEO & CFO

    • Tenure: 0.6yrs

Board Members

  • Bhavika Jain (37yo)

    Non-Executive Director

    • Tenure: 1.8yrs
  • Khushbu Mohan Jain (35yo)

    Non-Executive Director

    • Tenure: 1.8yrs
  • Rekha Jain (58yo)

    Non-Executive Director

    • Tenure: 1.8yrs
  • Bharat Dughar (44yo)

    Non-Executive Independent Director

    • Tenure: 1.8yrs
  • Velu Jain (49yo)

    Non-Executive Independent Director

    • Tenure: 1.8yrs

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: ₹154.008m
  • Shares outstanding: 4.28m
  • Website: https://www.upasanafinance.com

Number of Employees


Location

  • Upasana Finance Limited
  • 10B/2, 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 deposit taking non-banking financial company, focuses on the recovery of overdue receivables. It offers financing services. The company was incorporated in 1985 and is based  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 12:35
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
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.