Usha Financial Services Ltd

Usha Financial Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Usha Financial Services Ltd

₹ 75.1 -2.02%
10 Jun 3:31 p.m.
Company website NSE - SME: USHAFIN
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

Key Borrowers[1]
1. Loans to NBFCs and Corporates: Providing capital to NBFCs for onward lending and to corporates for working capital needs.

  1. Green Financing / Electric Vehicle Financing: Special focus on financing electric vehicles and batteries, promoting sustainable transportation solutions.

  2. MSMEs, Focusing on Small Entrepreneurs: Financial assistance tailored for small and medium enterprises, with a focus on supporting growth, particularly for women entrepreneurs.

Website NSE - ST
  • Market Cap ₹ 163 Cr.
  • Current Price ₹ 75.1
  • High / Low ₹ 168 / 48.6
  • Stock P/E 11.8
  • Book Value ₹ 97.1
  • Dividend Yield 0.00 %
  • ROCE 12.4 %
  • ROE 8.70 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.77 times its book value
  • Promoter holding has increased by 2.22% over last quarter.

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 11.8% 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.

Peer comparison

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

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Half Yearly Results

Figures in Rs. Crores

Mar 2024 Sep 2024 Mar 2025
31 27 33
9 9 9
Operating Profit 23 17 24
OPM % 72% 66% 73%
0 0 1
Interest 14 11 13
Depreciation 0 0 0
Profit before tax 9 7 12
Tax % 27% 24% 24%
6 5 9
EPS in Rs 6.11 3.17 4.03
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
52 26 25 46 64 60
16 10 9 11 16 18
Operating Profit 36 16 16 35 48 42
OPM % 70% 62% 64% 77% 75% 70%
0 0 0 0 0 1
Interest 20 11 10 22 30 24
Depreciation 0 0 0 0 0 0
Profit before tax 15 5 5 14 18 18
Tax % 26% 22% 24% 26% 24% 24%
11 4 4 10 13 14
EPS in Rs 12.71 6.35
Dividend Payout % 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 3%
3 Years: 33%
TTM: -7%
Compounded Profit Growth
10 Years: %
5 Years: 4%
3 Years: 49%
TTM: 3%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
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
Equity Capital 6 6 7 9 16 22
Reserves 33 37 41 73 90 189
148 63 97 248 181 185
67 11 19 43 49 44
Total Liabilities 254 117 164 372 336 440
1 1 1 0 7 14
CWIP 0 0 0 0 1 0
Investments 0 2 2 0 0 0
253 114 161 372 327 427
Total Assets 254 117 164 372 336 440

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 1,709
ROCE % 11% 13% 15% 15% 12%

Shareholding Pattern

Numbers in percentages

6 Recently
Oct 2024Mar 2025
72.32% 74.54%
9.53% 5.63%
3.01% 0.61%
15.13% 19.22%
No. of Shareholders 3,1901,987

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

No data available.