Ugro Capital Ltd
U GRO Capital limited is a technology-focused (data-centric & technology-enabled approach), small business lending platform. The company is focused on addressing the capital needs of small businesses operating in select eight sectors by providing customized loan solutions. [1]
- Market Cap ₹ 2,552 Cr.
- Current Price ₹ 275
- High / Low ₹ 339 / 186
- Stock P/E 21.4
- Book Value ₹ 155
- Dividend Yield 0.00 %
- ROCE 12.2 %
- ROE 9.85 %
- Face Value ₹ 10.0
Pros
- Company is expected to give good quarter
- Company has delivered good profit growth of 96.0% CAGR over last 5 years
- Company's median sales growth is 53.3% of last 10 years
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Promoter holding is low: 2.23%
- Company has a low return on equity of 5.52% over last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 4 | 6 | 2 | 4 | 2 | 4 | 44 | 105 | 153 | 312 | 684 | 1,048 |
Interest | -0 | -0 | -0 | -0 | -0 | -0 | 1 | 14 | 45 | 137 | 293 | 443 |
2 | 1 | 1 | 0 | 0 | 0 | 36 | 81 | 85 | 142 | 289 | 425 | |
Financing Profit | 3 | 5 | 2 | 3 | 2 | 3 | 7 | 11 | 24 | 33 | 101 | 180 |
Financing Margin % | 61% | 86% | 76% | 92% | 86% | 91% | 16% | 10% | 16% | 10% | 15% | 17% |
-0 | 0 | -0 | -0 | -0 | -0 | -4 | -0 | -0 | -0 | -0 | 34 | |
Depreciation | -0 | -0 | -0 | -0 | -0 | -0 | 2 | 7 | 12 | 12 | 18 | 35 |
Profit before tax | 3 | 5 | 2 | 3 | 2 | 3 | 2 | 3 | 12 | 20 | 84 | 179 |
Tax % | 34% | 30% | 7% | 14% | 2% | 8% | -155% | -488% | -137% | 28% | 53% | 33% |
2 | 4 | 2 | 3 | 2 | 3 | 4 | 20 | 29 | 15 | 40 | 119 | |
EPS in Rs | 3.58 | 8.05 | 3.55 | 6.36 | 4.19 | 6.34 | 1.69 | 2.77 | 4.07 | 2.06 | 5.64 | 12.86 |
Dividend Payout % | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% |
Compounded Sales Growth | |
---|---|
10 Years: | 69% |
5 Years: | 89% |
3 Years: | 90% |
TTM: | 53% |
Compounded Profit Growth | |
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10 Years: | 41% |
5 Years: | 96% |
3 Years: | 61% |
TTM: | 200% |
Stock Price CAGR | |
---|---|
10 Years: | 34% |
5 Years: | 11% |
3 Years: | 41% |
1 Year: | 49% |
Return on Equity | |
---|---|
10 Years: | 4% |
5 Years: | 5% |
3 Years: | 6% |
Last Year: | 10% |
Balance Sheet
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 5 | 5 | 5 | 5 | 5 | 5 | 23 | 71 | 71 | 71 | 69 | 92 |
Reserves | 19 | 23 | 25 | 27 | 29 | 32 | 763 | 851 | 882 | 896 | 915 | 1,347 |
Preference Capital | -0 | -0 | -0 | -0 | -0 | -0 | 14 | -0 | -0 | -0 | -0 | |
-0 | -0 | -0 | -0 | -0 | -0 | 10 | 255 | 766 | 1,802 | 3,149 | 4,653 | |
0 | 1 | 0 | 0 | 0 | -0 | 72 | 36 | 37 | 86 | 173 | 188 | |
Total Liabilities | 24 | 28 | 30 | 32 | 34 | 37 | 868 | 1,212 | 1,755 | 2,855 | 4,306 | 6,280 |
-0 | -0 | -0 | -0 | -0 | -0 | 20 | 38 | 36 | 56 | 85 | 130 | |
CWIP | -0 | -0 | -0 | -0 | -0 | -0 | 11 | 1 | 4 | 6 | 14 | -0 |
Investments | -0 | 26 | 15 | 25 | 26 | 36 | 107 | 73 | 55 | 69 | 60 | 59 |
24 | 3 | 14 | 8 | 8 | 1 | 731 | 1,101 | 1,659 | 2,724 | 4,146 | 6,091 | |
Total Assets | 24 | 28 | 30 | 32 | 34 | 37 | 868 | 1,212 | 1,755 | 2,855 | 4,306 | 6,280 |
Cash Flows
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-2 | 24 | -10 | 9 | -4 | 1 | -86 | -799 | -347 | -1,125 | -1,220 | -1,535 | |
3 | -26 | 11 | -6 | 1 | -1 | -347 | 179 | -46 | 43 | -85 | -230 | |
-0 | -0 | -0 | -0 | -0 | -0 | 754 | 308 | 508 | 1,023 | 1,279 | 1,814 | |
Net Cash Flow | 1 | -2 | 0 | 3 | -3 | 0 | 321 | -312 | 115 | -58 | -26 | 48 |
Ratios
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 7% | 15% | 6% | 10% | 6% | 8% | 1% | 2% | 3% | 2% | 4% | 10% |
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Newspaper Publication 2m
- Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 2d
- Announcement under Regulation 30 (LODR)-Allotment 2d
- Postal Ballot Notice Dated 2Nd May 2024 2d
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
2d - Submission of audio and video recording of earnings call on the audited financial results for the quarter and year ended 31st March 2024
Annual reports
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Financial Year 2023
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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Financial Year 2009
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Concalls
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May 2024TranscriptNotesPPT
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Nov 2019Transcript PPT
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Aug 2019TranscriptPPT
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May 2019Transcript PPT
Product Offerings
The products offered by the Co. include supply chain financing, unsecured business loans, machinery loans, business loans secured by property, new age products, and micro enterprises loans. [1]