Ujjivan Financial Services Limited

NSEI:UJJIVAN Stock Report

Market Cap: ₹70.0b

Ujjivan Financial Services Valuation

Is UJJIVAN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of UJJIVAN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate UJJIVAN's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate UJJIVAN's fair value for valuation analysis.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for UJJIVAN?

Other financial metrics that can be useful for relative valuation.

UJJIVAN key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does UJJIVAN's PE Ratio compare to its peers?

The above table shows the PE ratio for UJJIVAN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average25.2x
532900 Paisalo Digital
36.3x23.8%₹64.9b
FUSION Fusion Finance
8.6x18.2%₹43.6b
SBFC SBFC Finance
36.8x23.4%₹87.1b
FEDFINA Fedbank Financial Services
19.2x25.5%₹46.9b
UJJIVAN Ujjivan Financial Services
8.5xn/a₹70.0b

Price-To-Earnings vs Peers: UJJIVAN is good value based on its Price-To-Earnings Ratio (8.5x) compared to the peer average (27x).


Price to Earnings Ratio vs Industry

How does UJJIVAN's PE Ratio compare vs other companies in the IN Consumer Finance Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a17.6%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a17.6%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: UJJIVAN is good value based on its Price-To-Earnings Ratio (8.5x) compared to the Indian Consumer Finance industry average (22.4x).


Price to Earnings Ratio vs Fair Ratio

What is UJJIVAN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

UJJIVAN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio8.5x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate UJJIVAN's Price-To-Earnings Fair Ratio for valuation analysis.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst UJJIVAN forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentn/a
₹335.50
0%
81.8%₹610.00₹61.00n/a2
Jul ’25n/a
₹335.50
0%
81.8%₹610.00₹61.00n/a2
Jun ’25n/a
₹335.50
0%
81.8%₹610.00₹61.00n/a2
May ’25₹574.45
₹335.50
-41.6%
81.8%₹610.00₹61.00n/a2
Apr ’25₹503.20
₹335.50
-33.3%
81.8%₹610.00₹61.00n/a2
Mar ’25₹547.35
₹335.50
-38.7%
81.8%₹610.00₹61.00n/a2
Feb ’25₹547.60
₹335.50
-38.7%
81.8%₹610.00₹61.00n/a2
Jan ’25₹567.90
₹340.50
-40.0%
82.1%₹620.00₹61.00n/a2
Dec ’24₹553.10
₹500.50
-9.5%
23.9%₹620.00₹381.00n/a2
Nov ’24₹526.30
₹500.50
-4.9%
23.9%₹620.00₹381.00n/a2
Oct ’24₹559.00
₹455.50
-18.5%
16.4%₹530.00₹381.00n/a2
Sep ’24₹478.65
₹455.50
-4.8%
16.4%₹530.00₹381.00n/a2
Aug ’24₹498.05
₹455.50
-8.5%
16.4%₹530.00₹381.00n/a2
Jul ’24₹386.15
₹405.50
+5.0%
6.0%₹430.00₹381.00n/a2
Jun ’24₹357.20
₹405.50
+13.5%
6.0%₹430.00₹381.00n/a2
May ’24₹281.55
₹382.50
+35.9%
4.6%₹400.00₹365.00₹574.452
Apr ’24₹256.25
₹382.50
+49.3%
4.6%₹400.00₹365.00₹503.202
Mar ’24₹271.15
₹382.50
+41.1%
4.6%₹400.00₹365.00₹547.352
Feb ’24₹262.70
₹360.50
+37.2%
8.2%₹390.00₹331.00₹547.602
Jan ’24₹278.05
₹305.50
+9.9%
8.3%₹331.00₹280.00₹567.902
Dec ’23₹296.60
₹305.50
+3.0%
8.3%₹331.00₹280.00₹553.102
Nov ’23₹253.45
₹262.67
+3.6%
5.8%₹280.00₹243.00₹526.303
Oct ’23₹211.00
₹236.00
+11.8%
11.4%₹265.00₹200.00₹559.003
Sep ’23₹195.85
₹236.00
+20.5%
11.4%₹265.00₹200.00₹478.653
Aug ’23₹175.70
₹228.33
+30.0%
11.9%₹265.00₹200.00₹498.053
Jul ’23₹143.00
₹211.67
+48.0%
22.4%₹265.00₹150.00₹386.153

Analyst Forecast: Target price is lower than the current share price.


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