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UTKARSH COREINVEST LIMITED

  • www.utkarshcoreinvest.com
  • Sector: Banks/NBFC
  • CHRYSEUM SCORE: 9.50/10.00
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    UTKARSH COREINVEST LIMITED

    • Sector: Banks/NBFC
    • CHRYSEUM SCORE: 9.50/10.00

    Description: Utkarsh Coreinvest provides financial and non-financial services to the unbanked population who are in need of capital.

    Evaluation is basis the latest financial year disclosures filed by the company

    Valuation

    Max Score: 3.50

    P/B of Company

    0.94

    Avg P/B of Key Peers

    1.50

    P/B of Industry

    1.59

    Valuation Score

    3.50

    The Valuation Score depicts if the company is available at a discount when compared to its listed peer & its Industry Average. Higher the discount, more is the score given to the company.

    Growth

    Max Score: 3.50

    Sales Growth

    22.80%

    PAT Growth

    134.71%

    BVPS Growth

    34.01%

    Growth Score

    3.50

    The Growth Score accounts for the growth in Sales, PAT and the BVPS on a 3 year CAGR basis.

    Key Metrics

    Max Score: 1.50

    ROA

    2.45%

    Net NPA

    0.03%

    Capital Adequacy

    22.57%

    Key Metrics Score

    1.00

    The Other Key Metrics takes into consideration the Return on Asset, Net NPA and CAR of the company.ROA & NNPA are compared to the company’s peer averages.

    Management Quality

    Max Score: 1.50

    Board Structure & Composition

    1.00

    Related Party Transactions

    1.00

    Timely Disclosure

    1.00

    Management Score

    1.50

    This score represents a consolidated view of the Company’s Management Quality, which includes Board Structure, Related Party Transactions and Timely disclosures. Each parameter is scored out of 1.

₹198.00 0.00 (0.00%)

As on 18 Apr, 2025
L 197.00 52 Week Range H 305.00
Company Description : Utkarsh CoreInvest Limited is the promoting company of Utkarsh Small Finance Bank. Utkarsh Coreinvest provides financial and non-financial services to the unbanked population who are in need of capital.
Company Overview
  • Name of Company UTKARSH COREINVEST LIMITED
  • Sector Banks/NBFC
  • ISIN INE396P01012
  • Scrip Code UTKARSH COREINVEST
  • CIN U65191UP1990PLC045609
  • Pan No AAECS9298K
  • Face Value 10
  • Price ₹ 198.00
  • No. of Shares outstanding 9.87 Cr.
  • Market Cap ₹ 1,955.14 Cr
Financials
  • Revenue from operations ₹ 3,140.36 Cr.
  • EBITDA ₹ 1,845.46 Cr.
  • EBITDA Margin % 58.77%
  • Profit After Tax ₹ 329.84 Cr.
  • PAT Margin % 9.75%
  • EPS 33.40
  • Stock P/E 5.93
  • Book Value Per Share 210.29
  • P/B 0.94
  • Debt/Equity 1.20
Other Key Statistics
  • 52 week High/Low 305.00/197.00
  • Dividend Per Share 0.50
  • Dividend Yield 0.25%
  • Sales Growth - 3 years 22.80%
  • EBITDA Growth - 3 years 29.09%
  • PAT Growth - 3 years 134.71%
  • EPS Growth - 3 years 133.31%
  • ROE 11.33%
  • ROCE 59.22%
  • Cash Equivalents 3029.05
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY24
Company Name Utkarsh Coreinvest Ltd Cholamandalam Financial Holdings Ltd
Listing Status Unlisted Listed
Revenue from Operations 3,140.36 25,803.52
Total Income 3,383.55 26,086.76
Finance Cost 1,298.16 9,249.46
Depreciation & Amortization 108.89 247.54
Total Expenses 2,945.14 20,886.93
EBITDA 1,845.46 14,696.83
PAT 329.84 3,850.56
No. of Shares Outstanding 9.87 18.78
EPS (in ₹) 33.40 205.06
Share Capital 98.74 18.78
Total Net Worth 2,911.09 22,124.02
Total Assets 25,343.45 176,917.67
Total Debt 3,490.45 1,04,511.13
Key Metrics:
CMP* 198.00 1,872.90
Market Cap (In Cr.) 1,955.14 35,173.06
Market Cap/Sales 0.58 1.35
EPS (Earnings Per Share) 33.40 205.06
BVPS (Book Value Per Share) 210.29 1,178.20
P/E 5.93 9.13
P/BV 0.94 1.59
EBITDA Margin 58.77% 56.96%
ROE 11.33% 17.40%
ROA 1.30% 2.18%
*Market Price in ₹ as on 18 Apr, 2025

Profit Loss

FY24 FY23 FY22 FY21 FY20
Revenue from operations 3,140.36 2,744.77 1,977.62 1,695.98 1,352.92
Y-o-Y Revenue Growth 14.41% 38.79% 16.61% 25.36% 45.07%
Other Income 243.19 193.42 117.17 86.25 64.21
Total Income 3,383.55 2,938.19 2,094.79 1,782.23 1,417.13
Total Expenses (Excludes Interest and Depreciation) 1,538.09 1,107.85 1,131.83 924.38 502.46
Operating Profit (After deducting Depreciation) 1,493.38 1,562.69 763.24 712.60 801.65
OPM % 47.55 56.93 38.59 42.02 59.25
EBITDA 1,845.46 1,830.34 962.96 857.85 914.67
Depreciation 108.89 74.23 82.55 59.00 48.81
EBIT 1,736.57 1,756.11 880.41 798.85 865.86
Interest 1,298.16 1,024.71 799.30 762.53 589.53
EBT before Exceptional Items 438.41 731.40 81.11 36.32 276.33
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 438.41 731.40 81.11 36.32 276.33
Tax 108.57 177.60 18.91 10.81 73.81
Net Profit 329.84 553.80 62.20 25.51 202.52
Profit (loss) of minority interest 0.00 0.00 0.00 0.00 0.00
Total profit (loss) for period 329.84 553.80 62.20 25.51 202.52
EPS in Rs 33.40 56.08 6.36 2.63 20.89
EPS Change % -40.44% 781.83% 141.83% -87.41% -73.71%
EBITDA Change % 0.83% 90.07% 12.25% -6.21% 98.43%
Profit growth -40.44% 790.30% 143.84% -87.40% -327.91%
ROCE 59.22% 83.18% 56.37% 58.91% 78.95%
ROE 11.33% 26.67% 4.03% 2.12% 18.71%
Debt / Equity Ratio 1.20 1.31 1.42 2.02 2.78
Sales growth 3Years 22.80%
Sales growth 5Years 27.49%
Dividend per share 0.50

Balance Sheet

FY24 FY23 FY22 FY21 FY20
Share Capital 98.74 98.42 98.33 97.65 97.40
Reserves 2,812.34 1,978.04 1,446.30 1,107.92 985.12
Total shareholders' funds 2,911.09 2,076.46 1,544.63 1,205.57 1,082.52
Borrowings 3,490.45 2,726.57 2,198.76 2,435.99 3,012.31
Other Liabilities 390.69 270.87 10,965.98 8,267.32 5,723.18
Total Liabilities 22,432.36 17,639.23 13,387.40 10,709.80 8,740.51
Fixed Assets 5,014.85 516.52 442.92 278.16 252.03
Capital WIP 10.28 1.83 0.92 55.10 21.70
Investments 3,650.16 2,796.25 2,328.45 2,370.41 1,240.23
Other Assets 319.35 201.54 185.33 136.37 76.04
Total Assets 25,343.45 19,715.70 14,932.04 12,049.42 9,823.26
Cash Equivalents 3,029.05 2,516.70 1,871.96 1,170.49 1,616.05
Total Current liability 22,411.19 17,604.47 13,370.08 10,693.45 8,726.50
Total Assets -Total Current liabilty 2,932.26 2,111.23 1,561.96 1,355.97 1,096.76

Cash Flow

FY24 FY23 FY22 FY21 FY20
Net Cash from / (used in) Operating Activity 210.85 952.22 724.34 1,530.20 321.10
Net Cash from / (used in) Investing Activity -393.22 -443.82 163.25 -839.83 -297.06
Net Cash from / (used in) Financing Activity 516.27 135.87 -186.32 -1,135.43 1,084.12
Net Inc/Dec In Cash And Cash Equivalents 333.90 644.28 701.26 -445.06 1,108.16

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 0.00 0.00%
Non Promoters 9.87 100.00%

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