Usha Financial Services Ltd
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]
- Market Cap ₹ 257 Cr.
- Current Price ₹ 118
- High / Low ₹ 168 / 114
- Stock P/E 19.2
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 15.4 %
- ROE 14.2 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 13.2% 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
Sector: Finance Industry: Finance & Investments
Half Yearly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|
| 26 | 25 | 46 | 64 | |
| 10 | 10 | 11 | 16 | |
| Operating Profit | 16 | 16 | 35 | 48 |
| OPM % | 62% | 62% | 77% | 75% |
| 0 | 0 | 0 | 0 | |
| Interest | 11 | 10 | 22 | 30 |
| Depreciation | 0 | 0 | 0 | 0 |
| Profit before tax | 5 | 5 | 14 | 18 |
| Tax % | 22% | 25% | 26% | 24% |
| 4 | 4 | 10 | 13 | |
| EPS in Rs | 12.71 | |||
| Dividend Payout % | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 35% |
| TTM: | 39% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 51% |
| TTM: | 31% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 13% |
| Last Year: | 14% |
Balance Sheet
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|
| Equity Capital | 6 | 7 | 9 | 16 |
| Reserves | 37 | 42 | 73 | 90 |
| 63 | 97 | 248 | 181 | |
| 11 | 19 | 43 | 49 | |
| Total Liabilities | 117 | 165 | 372 | 336 |
| 1 | 1 | 0 | 7 | |
| CWIP | 0 | 0 | 0 | 1 |
| Investments | 2 | 2 | 0 | 0 |
| 114 | 162 | 372 | 327 | |
| Total Assets | 117 | 165 | 372 | 336 |
Cash Flows
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|
| -8 | -36 | -177 | 71 | |
| -2 | 0 | 2 | -8 | |
| -17 | 35 | 175 | -56 | |
| Net Cash Flow | -27 | -0 | -1 | 8 |
Ratios
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 |
| Inventory Days | ||||
| Days Payable | ||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 |
| Working Capital Days | 793 | 1,556 | 1,859 | 1,265 |
| ROCE % | 12% | 15% | 15% |
Documents
Announcements
-
Updates
7 November 2024 - Usha Financial Services Limited has informed regarding 'Disclosure under Regulation 7(2) of SEBI (Prohibition of Insider Trading) Regulations, 2015'.
-
Updates
6 November 2024 - Usha Financial Services Limited has informed regarding 'Disclosure under Regulation 7(2) of SEBI (Prohibition of Insider Trading) Regulations, 2015'.
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Updates
5 November 2024 - Usha Financial Services Limited has informed regarding 'Disclosure under Regulation 7(2) of SEBI (Prohibition of Insider Trading) Regulations, 2015'.
Annual reports
No data available.
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.