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

₹ 75.1 1.50%
28 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 ₹ 1,166 Cr.
  • Current Price ₹ 75.1
  • High / Low ₹ 190 / 72.1
  • Stock P/E 6.67
  • Book Value ₹ 187
  • Dividend Yield 0.00 %
  • ROCE %
  • ROE 6.02 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.40 times its book value

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 2.88%

* 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 Jun 2026
461 607 497
Interest 247 284 289
182 248 171
Financing Profit 32 75 37
Financing Margin % 7% 12% 7%
45 25 38
Depreciation 14 29 13
Profit before tax 63 71 62
Tax % 27% 28% -10%
46 51 68
EPS in Rs 2.99 3.29 4.37
Gross NPA %
Net NPA %
Raw PDF
Upcoming result date: 5 November 2026

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2026
1,960
Interest 954
753
Financing Profit 253
Financing Margin % 13%
61
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: 12%
5 Years: -14%
3 Years: -36%
1 Year: -58%
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 10,782
387
Total Liabilities 14,075
512
CWIP 24
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

Ratios

Consolidated / View Standalone

Mar 2026
ROE % 6%

Insights

In beta
Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Active Loans / Customers
count ・Standalone data

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Total Assets Under Management (AUM)
INR Cr ・Standalone data
Gross Non-Performing Assets (GNPA) - % of AUM
% ・Standalone data
Net Disbursement
INR Cr ・Standalone data
Emerging Market (EM) Branches
count ・Standalone data
Emerging Market LAP AUM
INR Cr ・Standalone data
Collection Efficiency
% ・Standalone data
Embedded Merchant Finance AUM
INR Cr ・Standalone data
EM Blended Branch Productivity
INR Cr per branch per month ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
2.24% 2.23% 2.23% 2.23% 2.23% 2.23% 2.25% 2.24% 1.70% 1.99% 2.88% 2.88%
19.77% 19.76% 20.27% 20.44% 24.70% 27.25% 29.32% 28.99% 22.83% 22.34% 5.45% 7.09%
4.46% 3.76% 2.55% 2.76% 2.40% 1.85% 1.62% 1.59% 1.38% 1.68% 1.85% 1.96%
72.19% 72.91% 73.61% 73.25% 69.35% 67.34% 64.69% 65.07% 72.49% 72.41% 88.23% 86.47%
1.34% 1.33% 1.33% 1.33% 1.33% 1.33% 2.12% 2.12% 1.60% 1.59% 1.59% 1.59%
No. of Shareholders 22,47828,77340,87238,99739,18239,62242,37042,18939,15038,78838,74238,726

* 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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