Usha Financial Services Ltd
₹ 42.0
4.48%
07 Jan
- close price
About
Incorporated in May 1995, Usha Financial Services Limited is a non-banking finance company providing lending solutions to other NBFCs, corporates, MSMEs, and individuals, particularly women entrepreneurs.[1]
Key Points
- Market Cap ₹ 183 Cr.
- Current Price ₹ 42.0
- High / Low ₹ 59.3 / 24.3
- Stock P/E 10.1
- Book Value ₹ 49.8
- Dividend Yield 0.00 %
- ROCE 12.4 %
- ROE 8.70 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.84 times its book value
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Company has a low return on equity of 11.5% 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.
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
| 52 | 26 | 25 | 46 | 64 | 61 | |
| 16 | 10 | 9 | 11 | 17 | 18 | |
| Operating Profit | 36 | 16 | 16 | 35 | 47 | 43 |
| OPM % | 70% | 62% | 64% | 77% | 74% | 70% |
| 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 20 | 11 | 10 | 22 | 30 | 24 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 15 | 5 | 5 | 14 | 17 | 18 |
| Tax % | 26% | 22% | 24% | 26% | 25% | 24% |
| 11 | 4 | 4 | 10 | 13 | 14 | |
| EPS in Rs | 6.03 | 3.17 | ||||
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 3% |
| 3 Years: | 34% |
| TTM: | 16% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 4% |
| 3 Years: | 49% |
| TTM: | 57% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -30% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 11% |
| 3 Years: | 12% |
| Last Year: | 9% |
Balance Sheet
Figures in Rs. Crores
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 6 | 6 | 7 | 9 | 11 | 22 | 43 |
| Reserves | 33 | 37 | 41 | 73 | 95 | 189 | 173 |
| 148 | 63 | 97 | 248 | 181 | 185 | 174 | |
| 67 | 11 | 19 | 43 | 49 | 44 | 30 | |
| Total Liabilities | 254 | 117 | 164 | 372 | 336 | 440 | 420 |
| 1 | 1 | 1 | 0 | 7 | 14 | 23 | |
| CWIP | 0 | 0 | 0 | 0 | 1 | 0 | 0 |
| Investments | 0 | 2 | 2 | 0 | 0 | 0 | 0 |
| 253 | 114 | 161 | 372 | 327 | 427 | 397 | |
| Total Assets | 254 | 117 | 164 | 372 | 336 | 440 | 420 |
Cash Flows
Figures in Rs. Crores
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
| -27 | -8 | -35 | -177 | 71 | -93 | |
| 0 | -2 | 0 | 2 | -8 | -4 | |
| 54 | -17 | 35 | 175 | -56 | 95 | |
| Net Cash Flow | 28 | -27 | 0 | -1 | 8 | -2 |
Ratios
Figures in Rs. Crores
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||
| Days Payable | ||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | 825 | 793 | 1,564 | 1,859 | 1,265 | 1,684 |
| ROCE % | 11% | 13% | 15% | 15% | 12% |
Documents
Announcements
-
Certificate under SEBI (Depositories and Participants) Regulations, 2018
7 January 2026 - Submitted RTA confirmation under Reg 74(5) for quarter ended 31-Dec-2025; 12,094 shares dematerialised.
-
Trading Window
29 December 2025 - Trading window closed Jan 01, 2025 until 48 hours after Q4 (31 Dec 2025) unaudited results.
-
Updates
24 December 2025 - Promoter Nupur Gupta bought 46,400 and sold 19,200 shares on 23-12-2025; holding 263,300 (0.61%).
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Updates
23 December 2025 - Promoter Nupur Gupta bought 36,800 shares (0.09%) Dec 18–22,2025; holding now 236,100 shares (0.54%).
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Updates
23 December 2025 - Revised disclosure: promoter Nupur Gupta acquired 91,200 shares; earlier erroneous filing to be disregarded (16-17 Dec 2025).
Key Borrowers[1]
1. Loans to NBFCs and Corporates: Providing capital to NBFCs for onward lending and to corporates for working capital needs.
Green Financing / Electric Vehicle Financing: Special focus on financing electric vehicles and batteries, promoting sustainable transportation solutions.
MSMEs, Focusing on Small Entrepreneurs: Financial assistance tailored for small and medium enterprises, with a focus on supporting growth, particularly for women entrepreneurs.