WEBSITE BSE:0 NSE: Inc. Year: 1995 Industry: Finance - NBFC My Bucket: Add Stock
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Usha Financial Services Limited is a prominent player in the financial services sector in India, specializing in a diverse range of financial products and services. Established with the goal of providing comprehensive financial solutions, the company offers services such as loans, investments, insurance, and financial consultancy. Usha Financial Services is committed to fostering financial inclusion, catering to both individual and corporate clients. With a focus on customer-centric approaches, the company emphasizes transparency, accessibility...Read More
Usha Financial Services Limited is a prominent player in the financial services sector in India, specializing in a diverse range of financial products and services. Established with the goal of providing comprehensive financial solutions, the company offers services such as loans, investments, insurance, and financial consultancy. Usha Financial Services is committed to fostering financial inclusion, catering to both individual and corporate clients. With a focus on customer-centric approaches, the company emphasizes transparency, accessibility, and innovation in its offerings. Its experienced team of professionals is dedicated to understanding client needs and delivering tailored solutions. Usha Financial Services Limited aims to contribute to the economic growth of its clients by empowering them with the financial tools necessary for achieving their goals. Through strategic partnerships and a robust operational framework, the company continues to expand its footprint in the competitive financial landscape of India. ...Read Less
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Market Cap ₹68 Cr.
Stock P/E 4.9
P/B 0.6
Current Price ₹31.4
Book Value ₹ 51.3
Face Value 10
52W High ₹53.8
Dividend Yield 0%
52W Low ₹ 26.8
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Dec 2024 | Sep 2025 | Dec 2025 |
|---|---|---|---|
| Operating Revenue | 17 | 17 | 19 |
| Other Income | 0 | 0 | 0 |
| Total Income | 17 | 17 | 19 |
| Total Expenditure | 4 | 5 | 4 |
| Operating Profit | 13 | 12 | 16 |
| Interest Expense | 7 | 6 | 6 |
| Depreciation | 0 | 0 | 0 |
| Profit Before Tax | 6 | 5 | 9 |
| Provision for Tax | 1 | 1 | 3 |
| Profit After Tax | 5 | 4 | 7 |
| Adjustments | -0 | 0 | 0 |
| Profit After Adjustments | 5 | 4 | 7 |
| Adjusted Earnings Per Share | 1 | 0.9 | 1.5 |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|
| Operating Revenue | 25 | 46 | 63 | 60 | 53 |
| Other Income | 0 | 1 | 1 | 1 | 0 |
| Total Income | 25 | 46 | 64 | 61 | 53 |
| Total Expenditure | 9 | 11 | 17 | 18 | 13 |
| Operating Profit | 16 | 36 | 47 | 43 | 41 |
| Interest Expense | 10 | 22 | 30 | 24 | 19 |
| Depreciation | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 5 | 14 | 17 | 18 | 20 |
| Provision for Tax | 1 | 4 | 4 | 4 | 5 |
| Profit After Tax | 4 | 10 | 13 | 14 | 16 |
| Adjustments | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 4 | 10 | 13 | 14 | 16 |
| Adjusted Earnings Per Share | 2.1 | 3.6 | 4 | 3.2 | 3.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | -5% | 34% | 0% | 0% |
| Operating Profit CAGR | -9% | 39% | 0% | 0% |
| PAT CAGR | 8% | 52% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -22% | NA% | NA% | NA% |
| ROE Average | 9% | 13% | 12% | 12% |
| ROCE Average | 12% | 14% | 13% | 13% |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Shareholder's Funds | 48 | 82 | 106 | 211 |
| Minority's Interest | 0 | 0 | 0 | 0 |
| Borrowings | 46 | 110 | 74 | 90 |
| Current Liability | 63 | 163 | 145 | 128 |
| Other Liabilities & Provisions | 7 | 16 | 10 | 9 |
| Total Liabilities | 164 | 371 | 335 | 439 |
| Loans | 0 | 0 | 0 | 0 |
| Investments | 2 | 0 | 0 | 0 |
| Fixed Assets | 1 | 0 | 7 | 14 |
| Other Loans | 40 | 111 | 60 | 106 |
| Other Non Current Assets | 0 | 0 | 2 | 0 |
| Current Assets | 121 | 260 | 267 | 319 |
| Total Assets | 164 | 371 | 335 | 439 |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 1 | 1 | 0 | 8 |
| Cash Flow from Operating Activities | -35 | -177 | 71 | -93 |
| Cash Flow from Investing Activities | 0 | 2 | -8 | -4 |
| Cash Flow from Financing Activities | 35 | 175 | -56 | 95 |
| Net Cash Inflow / Outflow | 0 | -1 | 8 | -2 |
| Closing Cash & Cash Equivalent | 1 | 0 | 8 | 6 |
| # | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Earnings Per Share (Rs) | 2.1 | 3.6 | 4.03 | 3.17 |
| CEPS(Rs) | 2.26 | 3.68 | 4.11 | 3.28 |
| DPS(Rs) | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 24.15 | 29.05 | 33.39 | 48.57 |
| Net Profit Margin | 16.56 | 22.28 | 20.23 | 23.14 |
| Operating Margin | 63.68 | 77.35 | 74.1 | 70.92 |
| PBT Margin | 21.89 | 30.22 | 26.96 | 30.47 |
| ROA(%) | 2.53 | 3.8 | 3.62 | 3.57 |
| ROE(%) | 8.69 | 15.67 | 13.6 | 8.7 |
| ROCE(%) | 11 | 14.88 | 15.19 | 12.38 |
| Price/Earnings(x) | 0 | 0 | 0 | 7.96 |
| Price/Book(x) | 0 | 0 | 0 | 0.52 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 4.11 | 5.63 | 2.91 | 4.84 |
| EV/Core EBITDA(x) | 6.33 | 7.23 | 3.91 | 6.75 |
| Interest Earned Growth(%) | 0 | 82.34 | 38.55 | -5.67 |
| Net Profit Growth | 0 | 145.29 | 25.81 | 7.91 |
| EPS Growth(%) | 0 | 71.42 | 11.94 | -21.18 |
| Interest Coverage(x) % | 1.52 | 1.64 | 1.57 | 1.75 |
| # | Mar 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|
| Promoter | 74.54 | 74.48 | 74.97 | 74.97 |
| FII | 5.63 | 3.56 | 2.75 | 2.16 |
| DII | 0.61 | 0.56 | 0.56 | 0.56 |
| Public | 19.22 | 21.4 | 21.72 | 22.3 |
| Others | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 |
| # | Mar 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|
| Promoter | 1.62 | 3.24 | 3.26 | 3.26 |
| FII | 0.12 | 0.15 | 0.12 | 0.09 |
| DII | 0.01 | 0.02 | 0.02 | 0.02 |
| Public | 0.42 | 0.93 | 0.94 | 0.97 |
| Others | 0 | 0 | 0 | 0 |
| Total | 2.17 | 4.35 | 4.35 | 4.35 |
* The pros and cons are machine generated.
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