Usha Financial Services Ltd

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

₹ 48.2 0.42%
16 Sep - close price
ushafinancial.com 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 - SM
  • Market Cap ₹ 210 Cr.
  • Current Price ₹ 48.2
  • High / Low ₹ 56.4 / 26.8
  • Stock P/E 8.33
  • Book Value ₹ 52.8
  • Dividend Yield 0.00 %
  • ROCE 13.5 %
  • ROE 10.2 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.91 times its book value
  • Company has delivered good profit growth of 42.2% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 10.3% 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)

Part of Nifty SME Emerge

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Quarterly Results

Figures in Rs. Crores

Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
13.58 16.56 16.94 17.38 16.93 19.18 17.63 20.26
Interest 5.54 6.86 6.32 6.05 5.98 6.04 5.31 5.46
2.39 3.65 8.70 3.84 5.27 3.52 3.16 3.60
Financing Profit 5.65 6.05 1.92 7.49 5.68 9.62 9.16 11.20
Financing Margin % 41.61% 36.53% 11.33% 43.10% 33.55% 50.16% 51.96% 55.28%
0.00 0.04 0.00 0.04 0.04 0.04 0.06 0.05
Depreciation 0.08 0.08 0.31 0.39 0.40 0.40 0.39 0.47
Profit before tax 5.57 6.01 1.61 7.14 5.32 9.26 8.83 10.78
Tax % 24.78% 24.29% 38.51% 25.07% 25.38% 28.83% 25.82% 25.51%
4.19 4.55 0.98 5.35 3.98 6.59 6.55 8.03
EPS in Rs 1.32 1.05 0.23 1.23 0.92 1.52 1.51 1.85
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
52 26 25 46 64 61 71 74
Interest 20 11 10 22 30 24 23 23
16 10 9 11 17 18 16 16
Financing Profit 16 5 6 14 17 18 32 36
Financing Margin % 31% 21% 23% 30% 27% 30% 45% 48%
0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 1 2 2
Profit before tax 15 5 5 14 17 18 31 34
Tax % 26% 22% 24% 26% 25% 24% 26%
11 4 4 10 13 13 22 25
EPS in Rs 6.03 3.07 5.17 5.80
Dividend Payout % 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 22%
3 Years: 16%
TTM: 15%
Compounded Profit Growth
10 Years: %
5 Years: 42%
3 Years: 30%
TTM: 67%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 12%
Return on Equity
10 Years: %
5 Years: 11%
3 Years: 10%
Last Year: 10%

Balance Sheet

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 6 6 7 9 11 22 43
Reserves 33 37 41 73 95 187 186
Borrowing 148 63 97 248 181 185 176
67 11 19 43 49 37 24
Total Liabilities 254 117 164 372 336 431 430
1 1 1 0 7 23 23
CWIP 0 0 0 0 1 0 0
Investments 0 2 2 0 0 0 7
253 114 161 372 327 408 400
Total Assets 254 117 164 372 336 431 430

Cash Flows

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-27 -8 -35 -177 71 -95 15
0 -2 0 2 -8 -2 -8
54 -17 35 175 -56 95 -11
Net Cash Flow 28 -27 0 -1 8 -2 -3
Free Cash Flow -27 -8 -35 -177 63 -100 13
CFO/OP -70% -43% -205% -492% 162% -212% 39%

Ratios

Figures in Rs. Crores

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 29% 9% 9% 16% 13% 8% 10%

Insights

In beta
Mar 2024 Mar 2025
Assets Under Management (AUM)
Rs. lakh

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Gross NPA (% of AUM)
%
Net NPA (% of AUM)
%
Total Disbursements
Rs. lakh
Active Borrowers
count
Wholesale Segment Share of AUM
%

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Shareholding Pattern

Numbers in percentages

Oct 2024Mar 2025Sep 2025Dec 2025Mar 2026Jun 2026
72.32% 74.54% 74.48% 74.97% 74.97% 74.97%
9.53% 5.63% 3.56% 2.75% 2.16% 1.98%
3.01% 0.61% 0.56% 0.56% 0.56% 0.57%
15.13% 19.22% 21.40% 21.72% 22.30% 22.48%
No. of Shareholders 3,1901,9871,8371,7641,7391,691

* 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

DRHP

Credit ratings