WEBSITE BSE:539408 NSE: KUBERJI Inc. Year: 1982 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 10:32
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1. Business Overview
Kuber Udyog Ltd. operates as a Non-Banking Financial Company (NBFC) in India. Its core business involves providing various financial services, primarily extending credit in the form of loans to individuals, businesses, and potentially other entities. As an NBFC, it mobilizes funds from the public and institutions and lends them out, earning revenue primarily through the net interest margin (the difference between interest earned on loans and interest paid on borrowings) and potentially through fees for financial services.
2. Key Segments / Revenue Mix
Without specific financial reports, the precise revenue mix for Kuber Udyog Ltd. is not available. However, typical NBFCs in India often cater to diverse lending segments such as retail loans (personal loans, consumer durables), SME (Small and Medium Enterprise) loans, corporate loans, vehicle finance, housing finance, and microfinance. The company's revenue would primarily be driven by interest income from its loan portfolio.
3. Industry & Positioning
The Indian NBFC sector is highly diverse, competitive, and regulated by the Reserve Bank of India (RBI). It comprises a large number of players, ranging from large, diversified entities to smaller, niche-focused companies, alongside commercial banks and fintech lenders. Kuber Udyog Ltd., without specific market share or scale information, is likely positioned as a smaller to mid-sized player within this fragmented landscape, potentially focusing on specific geographies or customer segments where it has an operational presence or expertise. Its positioning relative to larger, well-established NBFCs and banks would be challenging due to funding costs and scale advantages.
4. Competitive Advantage (Moat)
For a general NBFC without specific distinguishing features, establishing a strong, durable competitive advantage (moat) can be challenging in India's competitive financial services market. Potential areas for a moat, if developed, could include:
Niche Expertise/Focus: Specialization in a particular underserved segment or geography.
Strong Local Relationships: Building trust and a loyal customer base in specific communities.
Efficient Underwriting & Collection: Superior risk assessment and recovery processes compared to peers.
Agility & Flexibility: Being more responsive to customer needs than larger, more bureaucratic banks.
However, without specific details, it is difficult to identify a clear, strong moat for Kuber Udyog Ltd. in terms of brand, scale, network effects, or high switching costs.
5. Growth Drivers
Key factors that could drive growth for Kuber Udyog Ltd. over the next 3-5 years include:
Economic Growth: A growing Indian economy typically translates to higher credit demand from both individuals and businesses.
Financial Inclusion: Expanding access to credit in underserved or semi-urban/rural areas.
Digital Adoption: Leveraging technology for faster loan origination, processing, and improved customer experience.
Regulatory Support: Favorable policy changes that encourage NBFC lending, especially to priority sectors.
Expansion into New Segments: Identifying and successfully entering profitable new lending niches.
6. Risks
Key business risks for Kuber Udyog Ltd. include:
Asset Quality Deterioration: Rising Non-Performing Assets (NPAs) due to defaults, impacting profitability and capital.
Interest Rate Fluctuations: Volatility in interest rates can affect net interest margins if borrowing costs rise faster than lending rates.
Funding Challenges: Difficulty in accessing funds at competitive rates, particularly during liquidity crunches or tighter credit markets.
Intense Competition: Pressure on margins and market share from banks, larger NBFCs, and fintech players.
Regulatory Changes: Adverse changes in RBI regulations regarding capital adequacy, lending norms, or asset classification.
Economic Downturns: A slowdown in economic activity can lead to reduced credit demand and higher defaults.
Liquidity Risk: Mismatch between asset and liability maturities, potentially leading to cash flow problems.
7. Management & Ownership
In many Indian companies, particularly those not widely tracked, promoter groups typically hold significant ownership and exert substantial control over management and strategic direction. Without specific details on Kuber Udyog Ltd.'s board or executive management, it's not possible to assess management quality directly. The ownership structure likely involves a promoter family or group holding a controlling stake, alongside public shareholders.
8. Outlook
Kuber Udyog Ltd. operates in a sector with significant growth potential, driven by India's economic expansion and increasing credit demand. Should the company effectively manage its asset quality, secure competitive funding, and potentially carve out a niche through specialized lending or efficient operations, it could benefit from these tailwinds. However, the inherent risks of the NBFC sector, including intense competition, sensitivity to interest rate changes, potential asset quality shocks, and evolving regulatory landscapes, present considerable challenges. Its ability to navigate these risks while leveraging growth opportunities will be crucial for its future performance.
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Market Cap ₹10 Cr.
Stock P/E 317.1
P/B 2.6
Current Price ₹30.4
Book Value ₹ 11.6
Face Value 10
52W High ₹29.8
Dividend Yield 0%
52W Low ₹ 10.5
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Expenditure | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Profit | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 |
| Provision for Tax | -0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 |
| Adjusted Earnings Per Share | 0.1 | 0 | 0.1 | 0.2 | 0 | 0 | -0.1 | 0.3 | 0.1 | 0.3 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 1 | 0 | 1 | 1 | 1 | 1 | 0 | 0 | 1 | 0 | 0 | 0 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| Total Income | 1 | 1 | 2 | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 0 | 0 |
| Total Expenditure | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 |
| Operating Profit | 0 | 0 | 0 | 0 | -0 | -0 | -0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | 0 | 0 | 0 | -0 | -0 | -0 | -0 | 0 | 0 | 0 | 0 |
| Provision for Tax | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | 0 | 0 | 0 | 0 | -0 | -0 | -0 | -0 | 0 | 0 | 0 | 0 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 0 | 0 | 0 | -0 | -0 | -0 | -0 | 0 | 0 | 0 | 0 |
| Adjusted Earnings Per Share | 0 | 0.1 | 0.3 | 0.5 | -0.2 | -0.7 | -1 | -0.6 | 0.2 | 0.3 | 0.1 | 0.6 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 0% | 0% | -100% | -100% |
| Operating Profit CAGR | 0% | 0% | 0% | 0% |
| PAT CAGR | 0% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 68% | 201% | 110% | 3% |
| ROE Average | 1% | 2% | -2% | -1% |
| ROCE Average | 4% | 4% | 2% | 1% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 3 | 3 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 0 | 0 | 1 | 1 | 0 | 1 | 3 | 3 | 0 | 0 | 0 |
| Total Liabilities | 4 | 4 | 5 | 5 | 5 | 5 | 6 | 6 | 7 | 7 | 7 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7 | 7 |
| Total Current Assets | 4 | 4 | 5 | 5 | 5 | 5 | 6 | 6 | 7 | 0 | 0 |
| Total Assets | 4 | 4 | 5 | 5 | 5 | 5 | 6 | 6 | 7 | 7 | 7 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
| Cash Flow from Operating Activities | -3 | 0 | 1 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Cash Flow from Investing Activities | -0 | -0 | 1 | -1 | 0 | 0 | -1 | -1 | 0 | 0 | 0 |
| Cash Flow from Financing Activities | 4 | 0 | 0 | 0 | 0 | -0 | 3 | -0 | -0 | -0 | -0 |
| Net Cash Inflow / Outflow | 0 | -0 | 1 | -1 | -0 | 0 | 1 | -1 | 0 | -0 | -0 |
| Closing Cash & Cash Equivalent | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0 | 0.14 | 0.28 | 0.48 | -0.18 | -0.73 | -0.98 | -0.58 | 0.17 | 0.29 | 0.1 |
| CEPS(Rs) | 0.07 | 0.14 | 0.29 | 0.48 | -0.18 | -0.73 | -0.98 | -0.58 | 0.17 | 0.29 | 0.1 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 0 | 12.09 | 12.37 | 12.87 | 12.68 | 11.95 | 10.97 | 10.38 | 10.55 | 10.83 | 10.93 |
| Core EBITDA Margin(%) | 4.37 | -154.57 | -17.96 | -34.36 | -67.4 | -29.65 | -117.9 | -160.89 | -9.13 | 47.16 | 60.46 |
| EBIT Margin(%) | 4.49 | 31.67 | 11.01 | 43.57 | -9.3 | -29.58 | -117.46 | 7.36 | 48.1 | 72.03 | 63.94 |
| Pre Tax Margin(%) | 4.46 | 31.46 | 11.01 | 43.47 | -9.3 | -29.58 | -135.45 | -46.43 | 9.53 | 21.57 | 9.31 |
| PAT Margin (%) | 2.76 | 21.73 | 7.25 | 32.14 | -9.08 | -29.58 | -135.45 | -46.66 | 9.53 | 21.57 | 7.83 |
| Cash Profit Margin (%) | 2.82 | 22.61 | 7.39 | 32.62 | -9.08 | -29.58 | -135.45 | -46.66 | 9.53 | 21.57 | 7.83 |
| ROA(%) | 0.99 | 1.13 | 2.14 | 3.31 | -1.32 | -5.45 | -6.1 | -3.1 | 0.87 | 1.44 | 0.46 |
| ROE(%) | 1.01 | 1.13 | 2.29 | 3.78 | -1.44 | -5.93 | -8.57 | -5.43 | 1.58 | 2.67 | 0.88 |
| ROCE(%) | 1.63 | 1.65 | 3.48 | 5.13 | -1.47 | -5.89 | -5.59 | 0.49 | 4.41 | 4.83 | 3.81 |
| Receivable days | 0 | 0 | 121.22 | 434.27 | 0 | 220.86 | 410.28 | 0 | 106.37 | 0 | 0 |
| Inventory Days | 105.7 | 387.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable days | 0 | 0 | 146.79 | 400.53 | 157.76 | 214.07 | 0 | 0 | 0 | 0 | 0 |
| PER(x) | 0 | 100.88 | 224.03 | 9.17 | 0 | 0 | 0 | 0 | 6.72 | 24.49 | 132.99 |
| Price/Book(x) | 0 | 1.14 | 5.08 | 0.34 | 0.37 | 0.07 | 0.06 | 0.1 | 0.11 | 0.65 | 1.17 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 3.87 | 21.4 | 15.13 | 2.39 | 2.3 | 0.17 | 5.99 | 7.41 | 5.39 | 11.95 | 18.52 |
| EV/Core EBITDA(x) | 85.27 | 65.75 | 135.71 | 5.42 | -24.7 | -0.56 | -5.1 | 100.71 | 11.21 | 16.59 | 28.97 |
| Net Sales Growth(%) | 1418.57 | -72.98 | 516.29 | -61.6 | 36.46 | 21.65 | -70.59 | 71.3 | 39.44 | -23.56 | -7.63 |
| EBIT Growth(%) | -31.33 | 90.58 | 114.23 | 51.97 | -129.12 | -287.14 | -16.77 | 110.73 | 811.47 | 14.47 | -18.01 |
| PAT Growth(%) | -47.76 | 112.47 | 105.55 | 70.26 | -138.53 | -296.56 | -34.65 | 40.99 | 128.48 | 73.02 | -66.46 |
| EPS Growth(%) | 0 | 0 | 105.53 | 70.27 | -138.54 | -296.47 | -34.65 | 40.98 | 128.48 | 73 | -66.48 |
| Debt/Equity(x) | 0 | 0 | 0 | 0 | 0.01 | 0 | 0.69 | 0.79 | 0.83 | 0.86 | 0.91 |
| Current Ratio(x) | 200.12 | 182.51 | 8.11 | 7.73 | 25.58 | 8.29 | 2.43 | 2.25 | 344.25 | 5.83 | 0.39 |
| Quick Ratio(x) | 187.8 | 172.16 | 8.11 | 7.73 | 25.58 | 8.29 | 2.43 | 2.25 | 344.25 | 5.83 | 0.39 |
| Interest Cover(x) | 150.14 | 152.67 | 0 | 443.23 | 0 | 0 | -6.53 | 0.14 | 1.25 | 1.43 | 1.17 |
| Total Debt/Mcap(x) | 0 | 0 | 0 | 0 | 0.03 | 0 | 10.63 | 7.62 | 7.88 | 1.34 | 0.78 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.29 | 0.29 |
| Public | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 99.71 | 99.71 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 |
* The pros and cons are machine generated.
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