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 ₹ 2,332 Cr.
- Current Price ₹ 251
- High / Low ₹ 320 / 169
- Stock P/E 23.1
- Book Value ₹ 148
- Dividend Yield 0.00 %
- ROCE 10.9 %
- ROE 4.08 %
- Face Value ₹ 10.0
Pros
- Company is expected to give good quarter
- Company has delivered good profit growth of 67.9% CAGR over last 5 years
- Company's median sales growth is 50.4% 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: 2.24%
- Company has a low return on equity of 2.89% 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 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 2 | 4 | 6 | 2 | 4 | 2 | 4 | 44 | 105 | 153 | 312 | 684 | 935 |
Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 14 | 45 | 137 | 293 | 405 |
0 | 2 | 1 | 1 | 0 | 0 | 0 | 36 | 81 | 85 | 142 | 289 | 375 | |
Financing Profit | 2 | 3 | 5 | 2 | 3 | 2 | 3 | 7 | 11 | 24 | 33 | 101 | 154 |
Financing Margin % | 80% | 61% | 86% | 76% | 92% | 86% | 91% | 16% | 10% | 16% | 10% | 15% | 16% |
0 | 0 | 0 | 0 | 0 | 0 | 0 | -4 | 0 | 0 | 0 | 0 | 34 | |
Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 7 | 12 | 12 | 18 | 32 |
Profit before tax | 2 | 3 | 5 | 2 | 3 | 2 | 3 | 2 | 3 | 12 | 20 | 84 | 156 |
Tax % | 29% | 34% | 30% | 7% | 14% | 2% | 8% | -155% | -488% | -137% | 28% | 53% | |
1 | 2 | 4 | 2 | 3 | 2 | 3 | 4 | 20 | 29 | 15 | 40 | 101 | |
EPS in Rs | 2.34 | 3.58 | 8.05 | 3.55 | 6.36 | 4.19 | 6.34 | 1.69 | 2.77 | 4.07 | 2.06 | 5.64 | 11.35 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | 66% |
5 Years: | 187% |
3 Years: | 87% |
TTM: | 67% |
Compounded Profit Growth | |
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10 Years: | 37% |
5 Years: | 68% |
3 Years: | 27% |
TTM: | 216% |
Stock Price CAGR | |
---|---|
10 Years: | 32% |
5 Years: | 7% |
3 Years: | 37% |
1 Year: | 44% |
Return on Equity | |
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10 Years: | 3% |
5 Years: | 3% |
3 Years: | 3% |
Last Year: | 4% |
Balance Sheet
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 23 | 71 | 71 | 71 | 69 | 91 |
Reserves | 17 | 19 | 23 | 25 | 27 | 29 | 32 | 763 | 851 | 882 | 896 | 915 | 1,280 |
Preference Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 14 | 0 | 0 | 0 | 0 | |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 10 | 255 | 766 | 1,802 | 3,149 | 3,798 | |
0 | 0 | 1 | 0 | 0 | 0 | 0 | 72 | 36 | 37 | 86 | 173 | 161 | |
Total Liabilities | 22 | 24 | 28 | 30 | 32 | 34 | 37 | 868 | 1,212 | 1,755 | 2,855 | 4,306 | 5,331 |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 20 | 38 | 36 | 56 | 85 | 110 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 11 | 1 | 4 | 6 | 14 | 0 |
Investments | 3 | 0 | 26 | 15 | 25 | 26 | 36 | 107 | 73 | 55 | 69 | 60 | 59 |
19 | 24 | 3 | 14 | 8 | 8 | 1 | 731 | 1,101 | 1,659 | 2,724 | 4,146 | 5,161 | |
Total Assets | 22 | 24 | 28 | 30 | 32 | 34 | 37 | 868 | 1,212 | 1,755 | 2,855 | 4,306 | 5,331 |
Cash Flows
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
3 | -2 | 24 | -10 | 9 | -4 | 1 | -86 | -799 | -347 | -1,125 | -1,220 | |
-3 | 3 | -26 | 11 | -6 | 1 | -1 | -347 | 179 | -46 | 43 | -85 | |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 754 | 308 | 508 | 1,023 | 1,279 | |
Net Cash Flow | 0 | 1 | -2 | 0 | 3 | -3 | 0 | 321 | -312 | 115 | -58 | -26 |
Ratios
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 5% | 7% | 15% | 6% | 10% | 6% | 8% | 1% | 2% | 3% | 2% | 4% |
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Issue of Securities 9h
- Updates For The Quarter Ended 31St March 2024 (Q4'FY24) 2d
- Compliance Certificate Under Regulation 7 (3) Of SEBI (LODR) Regulations, 2015 For The Financial Year Ended 31St March 2024. 15 Apr
- Certificate from CEO/CFO 15 Apr
- Compliances-Half Yearly Report (SEBI Circular No. CIR/IMD/DF-1/67/2017) 12 Apr
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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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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Concalls
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Jan 2024Transcript PPT
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Oct 2023Transcript PPT
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Aug 2019TranscriptPPT
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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]