Usha Financial Services Ltd
₹ 45.0
4.53%
18 Sep
- 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 ₹ 196 Cr.
- Current Price ₹ 45.0
- High / Low ₹ 84.0 / 24.3
- Stock P/E 14.2
- Book Value ₹ 48.5
- Dividend Yield 0.00 %
- ROCE 12.4 %
- ROE 8.70 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.93 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 11.8% 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.
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Half Yearly 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 | 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 | 6.34 | 3.17 | ||||
| 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 | 1,130 |
| ROCE % | 11% | 13% | 15% | 15% | 12% |
Documents
Announcements
-
Updates
18 September 2025 - 29th AGM on Sep 30, 2025; cut-off Sep 24; book closure Sep 25–30, 2025.
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Outcome of Board Meeting
12 September 2025 - Allotment of 685 secured 12% NCDs (4-year) on 12-Sep-2025; hypothecation of book debts.
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Copy of Newspaper Publication
6 September 2025 - AGM on 30 September 2025 at 04:00 PM IST via VC/OAVM; newspaper notice published 06 Sept 2025.
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Shareholders meeting
5 September 2025 - AGM on Sep 30, 2025 seeks approval for material RPT with Tycod up to Rs25 crore.
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Copy of Newspaper Publication
3 September 2025 - Text unreadable—cannot determine announcement content, missing key details.
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.