Aastamangalam Finance Analysis

dividend

Pros

Cons

• 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.

health

Pros

• Upasana Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
• Upasana Finance is profitable, therefore cash runway is not a concern.
• Upasana Finance is profitable, therefore cash runway is not a concern.
• Upasana Finance has no debt, it does not need to be covered by operating cash flow.
• Upasana Finance has no debt, it does not need to be covered by short term assets.
• Upasana Finance's cash and other short term assets cover its long term commitments.
• 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, therefore coverage of interest payments is not a concern.
• Upasana Finance has no debt.
• Low level of unsold assets.

Cons

management

Pros

• Vikash's remuneration is lower than average for companies of similar size in India.

Cons

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

misc

Pros

Cons

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

past

Pros

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

Cons

• Upasana Finance's 1-year earnings growth is negative, it can't be compared to the 5-year average.
• 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 has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
• Upasana Finance's 1-year earnings growth is negative, it can't be compared to the IN Consumer Finance industry average.

value

Pros

• BSE:511764 is up 37.9% outperforming the Consumer Finance industry which returned 10.3% over the past month.
• BSE:511764 is up 37.9% outperforming the market in India which returned 8% over the past month.

Cons

• Upasana Finance is overvalued based on assets compared to the IN Consumer Finance industry average.
• 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.
• 511764 underperformed the Consumer Finance industry which returned -28.8% over the past year.
• 511764 underperformed the Market in India which returned -14.5% over the past year.