Upsurge Investment & Finance Ltd

₹ 59.4 -3.35%

05 Jun - close price

About

Incorporated in 1996, Upsurge Investment and Finance Ltd is in the business segment of fund based financing activity^[1]

Key Points

Business Overview:^[1]^[2]
UIFL is a Non Systematically Important non Deposit Taking Non Banking Finance Company which provides corporate financing and funding advisory, capital-growing and managerial services from seed funding to initial public offerings (IPOs) to small and mid-size enterprises

Website BSE

Market Cap ₹ 130 Cr.
Current Price ₹ 59.4
High / Low ₹ 144 / 56.0
Stock P/E 40.3
Book Value ₹ 53.4
Dividend Yield 0.84 %
ROCE 5.25 %
ROE 2.91 %
Face Value ₹ 10.0

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Pros

Company is almost debt free.
Stock is trading at 1.11 times its book value
Promoter holding has increased by 3.94% over last quarter.

Cons

Company has a low return on equity of 13.1% over last 3 years.
Earnings include an other income of Rs.1.70 Cr.
Working capital days have increased from 132 days to 251 days

* 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	4.43	11.00	9.70	16.83	20.54	19.48	39.40	17.70	36.59	22.49	21.82	8.99	2.43
Interest	0.08	0.03	0.03	0.03	0.04	0.05	0.07	0.34	0.18	0.05	0.23	0.43	0.25
	7.85	7.25	6.49	13.77	17.22	13.73	27.52	15.59	36.44	13.22	20.65	7.39	10.18
Financing Profit	-3.50	3.72	3.18	3.03	3.28	5.70	11.81	1.77	-0.03	9.22	0.94	1.17	-8.00
Financing Margin %	-79.01%	33.82%	32.78%	18.00%	15.97%	29.26%	29.97%	10.00%	-0.08%	41.00%	4.31%	13.01%	-329.22%
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.51	1.69	0.00	0.00	0.01
Depreciation	0.00	0.01	0.01	0.01	0.00	0.01	0.00	0.01	0.01	0.01	0.01	0.01	0.01
Profit before tax	-3.50	3.71	3.17	3.02	3.28	5.69	11.81	1.76	0.47	10.90	0.93	1.16	-8.00
Tax %	-20.00%	7.82%	17.35%	17.88%	16.46%	21.09%	20.49%	0.00%	34.04%	29.63%	0.00%	27.59%	-22.00%
	-2.80	3.42	2.62	2.49	2.74	4.49	9.39	1.76	0.31	7.68	0.94	0.85	-6.23
EPS in Rs	-1.85	2.26	1.73	1.64	1.81	2.96	4.68	0.88	0.15	3.83	0.47	0.42	-2.84
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	28.24	14.29	13.23	39.58	25.60	22.54	28.29	38.16	32.64	57.99	113.17	53.55
Interest	0.00	0.17	0.01	0.09	0.27	0.07	0.13	0.15	0.17	0.14	0.64	0.95
	28.04	13.88	12.57	35.65	24.03	26.51	18.61	27.26	31.57	44.67	93.28	49.27
Financing Profit	0.20	0.24	0.65	3.84	1.30	-4.04	9.55	10.75	0.90	13.18	19.25	3.33
Financing Margin %	0.71%	1.68%	4.91%	9.70%	5.08%	-17.92%	33.76%	28.17%	2.76%	22.73%	17.01%	6.22%
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.03	0.51	1.70
Depreciation	0.06	0.04	0.03	0.03	0.03	0.02	0.01	0.01	0.03	0.03	0.03	0.03
Profit before tax	0.14	0.20	0.62	3.81	1.27	-4.06	9.54	10.74	0.87	13.18	19.73	5.00
Tax %	14.29%	0.00%	17.74%	20.21%	9.45%	0.00%	4.93%	12.94%	42.53%	14.57%	19.16%	35.60%
	0.13	0.19	0.51	3.04	1.15	-4.06	9.08	9.34	0.50	11.26	15.95	3.23
EPS in Rs	0.09	0.13	0.34	2.01	0.76	-2.68	5.99	6.16	0.33	7.43	7.95	1.47
Dividend Payout %	0.00%	0.00%	0.00%	24.92%	0.00%	0.00%	0.00%	8.11%	151.50%	6.73%	6.29%	0.00%

Compounded Sales Growth
10 Years:	14%
5 Years:	14%
3 Years:	18%
TTM:	-53%

Compounded Profit Growth
10 Years:	33%
5 Years:	-19%
3 Years:	86%
TTM:	-79%

Stock Price CAGR
10 Years:	7%
5 Years:	12%
3 Years:	20%
1 Year:	-49%

Return on Equity
10 Years:	12%
5 Years:	13%
3 Years:	13%
Last Year:	3%

Balance Sheet

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	15.15	15.15	15.15	15.15	15.15	15.15	15.15	15.15	15.15	15.15	20.07	21.92
Reserves	5.82	6.01	6.52	9.57	8.69	4.63	13.71	22.29	22.04	32.55	84.76	95.26
Borrowing	3.97	0.32	0.91	5.44	0.60	2.62	4.06	1.72	2.28	3.20	0.19	4.61
	0.04	0.07	0.33	0.03	0.05	0.10	0.16	0.18	2.39	1.54	2.32	1.06
Total Liabilities	24.98	21.55	22.91	30.19	24.49	22.50	33.08	39.34	41.86	52.44	107.34	122.85
	0.22	0.18	0.15	0.08	0.04	0.03	0.03	0.24	0.21	0.18	0.16	0.13
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	6.52	5.10	13.24
Investments	1.92	1.83	1.83	4.72	7.23	6.03	11.03	2.81	12.13	13.57	32.50	30.59
	22.84	19.54	20.93	25.39	17.22	16.44	22.02	36.29	29.52	32.17	69.58	78.89
Total Assets	24.98	21.55	22.91	30.19	24.49	22.50	33.08	39.34	41.86	52.44	107.34	122.85

Cash Flows

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-2.60	-1.91	5.56	4.24	-4.05	3.68	1.96	-14.99	9.79	-2.17	-25.79	-14.84
	-0.04	0.18	0.07	-2.54	-2.72	-1.61	2.61	18.29	-8.82	1.34	-16.46	11.51
	0.00	0.00	-0.01	-0.09	-0.91	0.00	0.00	-0.76	-0.76	-0.76	41.17	9.13
Net Cash Flow	-2.64	-1.73	5.62	1.60	-7.68	2.08	4.57	2.54	0.21	-1.58	-1.07	5.80
Free Cash Flow	-2.68	-1.91	5.56	4.55	-4.04	3.68	1.95	-15.22	9.79	-8.69	-23.95	-21.29
CFO/OP	-1,290%	-466%	847%	125%	-258%	-93%	20%	-138%	915%	-7%	-111%	-285%

Ratios

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	0.62%	0.90%	2.38%	13.11%	4.74%	-18.62%	37.34%	28.17%	1.34%	26.53%	20.45%	2.91%

Insights

In beta

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Inventory (Stock-in-trade)
INR in Lakhs

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Investments
INR in Lakhs

Number of Employees
Count

Total Loans / Advances
INR in Lakhs

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	54.40%	54.40%	57.15%	59.01%	59.01%	50.62%	50.62%	50.62%	50.62%	50.62%	50.62%	54.56%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	45.60%	45.59%	42.85%	40.97%	40.98%	49.37%	49.37%	49.36%	49.37%	49.37%	49.37%	45.44%
No. of Shareholders	4,093	4,025	4,059	4,700	4,560	4,064	4,531	4,522	4,720	4,905	4,882	3,956

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	30.66%	35.33%	40.18%	45.00%	49.86%	49.86%	54.40%	59.01%	50.62%	54.56%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.00%	0.00%
	69.34%	64.66%	59.81%	54.99%	50.14%	50.14%	45.59%	40.97%	49.36%	45.44%
No. of Shareholders	2,457	2,409	2,411	2,353	2,329	3,408	3,977	4,700	4,522	3,956

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Upsurge Investment & Finance Ltd

Upsurge Investment & Finance Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports