Ugro Capital Ltd

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Ugro Capital Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Ugro Capital Ltd

₹ 80.9 1.18%
12 Oct - close price
ugrocapital.com BSE: 511742 NSE: UGROCAP
About

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]

Key Points

Business Overview[1]
The Company is a DataTech NBFC focused on MSME and small business financing across India. It leverages data analytics, technology-driven underwriting, and a wide distribution network to offer customised credit solutions. The Company focuses on sectors such as healthcare, education, chemicals, food processing, hospitality, electrical equipment, auto components, and light engineering, supported by its proprietary GRO Score 3.0 cashflow-based underwriting model using banking, bureau, and GST data.

Website BSE NSE
  • Market Cap ₹ 1,256 Cr.
  • Current Price ₹ 80.9
  • High / Low ₹ 190 / 78.6
  • Stock P/E 8.97
  • Book Value ₹ 183
  • Dividend Yield 0.00 %
  • ROCE 10.1 %
  • ROE 4.64 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.44 times its book value
  • Company has delivered good profit growth of 31.6% CAGR over last 5 years
  • Company's median sales growth is 54.3% 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: 2.88%
  • Company has a low return on equity of 6.98% over last 3 years.
  • Working capital days have increased from 47.7 days to 78.3 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)

Part of BSE 1000 BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
213 245 268 322 291 330 371 403 414 455 409 488 417
Interest 93 105 117 128 136 143 167 181 205 219 237 242 248
82 99 107 136 113 139 152 161 156 167 188 198 147
Financing Profit 38 41 44 58 43 48 52 61 53 69 -16 48 22
Financing Margin % 18% 17% 16% 18% 15% 15% 14% 15% 13% 15% -4% 10% 5%
5 9 12 8 10 13 14 9 8 6 39 21 37
Depreciation 8 9 9 10 10 11 12 13 13 14 14 27 10
Profit before tax 36 41 46 56 43 50 53 57 48 61 10 42 49
Tax % 29% 29% 30% 42% 29% 29% 29% 29% 29% 29% 34% 29% -25%
25 29 33 33 30 36 38 41 34 43 6 30 61
EPS in Rs 2.16 2.47 2.78 2.78 2.58 3.02 3.18 3.44 2.92 3.71 0.41 1.90 3.91
Gross NPA % 1.80% 1.90% 2.00% 2.00% 2.00% 2.10% 2.10% 2.30% 2.50% 2.40% 2.20% 2.50% 2.60%
Net NPA % 1.00% 1.10% 1.10% 1.10% 1.20% 1.30% 1.50% 1.60% 1.70% 1.50% 1.40% 1.60% 1.90%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
2 4 2 4 44 105 153 312 684 1,082 1,442 1,785 1,770
Interest 0 0 0 0 1 14 45 137 293 443 628 903 945
1 0 0 0 36 81 85 142 289 425 565 709 701
Financing Profit 2 3 2 3 7 11 24 33 101 214 250 174 124
Financing Margin % 76% 92% 86% 91% 16% 10% 16% 10% 15% 20% 17% 10% 7%
0 0 0 0 -4 0 0 0 0 0 0 55 103
Depreciation 0 0 0 0 2 7 12 12 18 35 46 68 65
Profit before tax 2 3 2 3 2 3 12 20 84 179 203 161 161
Tax % 7% 14% 2% 8% -155% -488% -137% 28% 53% 33% 29% 29%
2 3 2 3 4 20 29 15 40 119 144 113 140
EPS in Rs 2.83 5.07 3.34 5.05 1.34 2.19 3.22 1.63 4.46 10.17 12.22 7.30 9.93
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 85%
5 Years: 63%
3 Years: 38%
TTM: 17%
Compounded Profit Growth
10 Years: 44%
5 Years: 32%
3 Years: 42%
TTM: -5%
Stock Price CAGR
10 Years: 15%
5 Years: -9%
3 Years: -33%
1 Year: -55%
Return on Equity
10 Years: 5%
5 Years: 6%
3 Years: 7%
Last Year: 5%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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 5 5 5 5 23 71 71 71 69 92 92 153
Reserves 25 27 29 32 796 851 882 896 915 1,347 1,954 2,692
Borrowing 0 0 0 0 24 255 766 1,802 3,149 4,653 6,904 9,208
0 0 0 0 26 36 37 86 173 188 218 294
Total Liabilities 30 32 34 37 868 1,212 1,755 2,855 4,306 6,280 9,168 12,346
0 0 0 0 20 38 36 56 85 130 162 130
CWIP 0 0 0 0 11 1 4 6 14 0 6 13
Investments 15 25 26 36 107 73 55 69 60 59 103 1,665
14 8 8 1 731 1,101 1,659 2,724 4,146 6,091 8,897 10,538
Total Assets 30 32 34 37 868 1,212 1,755 2,855 4,306 6,280 9,168 12,346

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-10 9 -4 1 -86 -799 -347 -1,125 -1,220 -1,535 -2,474 -348
11 -6 1 -1 -347 179 -46 43 -85 -230 -80 -1,577
0 0 0 0 754 308 508 1,023 1,279 1,814 2,655 2,947
Net Cash Flow 0 3 -3 0 321 -312 115 -58 -26 48 101 1,022
Free Cash Flow 0 9 -4 1 -101 -809 -359 -1,139 -1,261 -1,575 -2,527 -366
CFO/OP -566% 281% -207% 45% -1,037% -3,265% -504% -658% -306% -230% -278% -28%

Ratios

Standalone / View Consolidated

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 % 6% 10% 6% 8% 1% 2% 3% 2% 4% 10% 8% 5%

Insights

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Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Active Loans / Customers
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Total Assets Under Management (AUM)
INR Cr
Gross Non-Performing Assets (GNPA) - % of AUM
%
Net Disbursement
INR Cr
Emerging Market (EM) Branches
count
Emerging Market LAP AUM
INR Cr
Collection Efficiency
%
Embedded Merchant Finance AUM
INR Cr
EM Blended Branch Productivity
INR Cr per branch per month

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
2.24% 2.24% 2.23% 2.23% 2.23% 2.23% 2.23% 2.25% 2.24% 1.70% 1.99% 2.88%
19.20% 19.77% 19.76% 20.27% 20.44% 24.70% 27.25% 29.32% 28.99% 22.83% 22.34% 5.45%
5.81% 4.46% 3.76% 2.55% 2.76% 2.40% 1.85% 1.62% 1.59% 1.38% 1.68% 1.85%
71.40% 72.19% 72.91% 73.61% 73.25% 69.35% 67.34% 64.69% 65.07% 72.49% 72.41% 88.23%
1.34% 1.34% 1.33% 1.33% 1.33% 1.33% 1.33% 2.12% 2.12% 1.60% 1.59% 1.59%
No. of Shareholders 19,67722,47828,77340,87238,99739,18239,62242,37042,18939,15038,78838,742

* 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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Documents

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