Ugro Capital Ltd

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

Ugro Capital Ltd

₹ 107 -0.95%
24 Apr - 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

Product Offerings
The company offers supply chain financing, unsecured business loans, machinery loans, business loans secured by property, new age products, and micro enterprises loans. [1]

Website BSE NSE
  • Market Cap ₹ 1,660 Cr.
  • Current Price ₹ 107
  • High / Low ₹ 193 / 80.0
  • Stock P/E 9.50
  • Book Value ₹ 187
  • Dividend Yield 0.00 %
  • ROCE %
  • ROE 6.02 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.57 times its book value

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 1.99%

* 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 Financial Services BSE 1000

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2025 Mar 2026
461 607
Interest 247 284
182 248
Financing Profit 32 75
Financing Margin % 7% 12%
45 25
Depreciation 14 29
Profit before tax 63 71
Tax % 27% 28%
46 51
EPS in Rs 2.99 3.29
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2026
1,937
Interest 954
753
Financing Profit 230
Financing Margin % 12%
84
Depreciation 70
Profit before tax 244
Tax % 28%
175
EPS in Rs 11.26
Dividend Payout % 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: %
TTM: %
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: %
Stock Price CAGR
10 Years: 20%
5 Years: 2%
3 Years: -14%
1 Year: -41%
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: 6%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2026
Equity Capital 153
Reserves 2,753
Borrowing 10,783
386
Total Liabilities 14,075
536
CWIP 0
Investments 737
12,802
Total Assets 14,075

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2026
214
-1,964
2,751
Net Cash Flow 1,000
Free Cash Flow 171
CFO/OP 22%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2026
ROE % 6%

Insights

In beta
Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Assets Under Management (AUM)
INR Cr

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Gross NPA (%)
%
Number of Branches
Numbers
Net Loan Origination / Disbursements
INR Cr
Cost of Borrowings (%)
%
Portfolio Yield (%)
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

3 Recently
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
2.19% 2.24% 2.24% 2.23% 2.23% 2.23% 2.23% 2.23% 2.25% 2.24% 1.70% 1.99%
21.99% 19.20% 19.77% 19.76% 20.27% 20.44% 24.70% 27.25% 29.32% 28.99% 22.83% 22.34%
5.46% 5.81% 4.46% 3.76% 2.55% 2.76% 2.40% 1.85% 1.62% 1.59% 1.38% 1.68%
69.02% 71.40% 72.19% 72.91% 73.61% 73.25% 69.35% 67.34% 64.69% 65.07% 72.49% 72.41%
1.34% 1.34% 1.34% 1.33% 1.33% 1.33% 1.33% 1.33% 2.12% 2.12% 1.60% 1.59%
No. of Shareholders 14,37619,67722,47828,77340,87238,99739,18239,62242,37042,18939,15038,788

* 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

Announcements

Annual reports

Credit ratings

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