Usha Financial Serv.
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Usha Financial Serv. share price

Usha Financial Services Ltd.

NSE: USHAFIN SECTOR: Finance - NBFC  4.17 K   1   0

43.30
+0.80 (1.88%)
NSE: 21 Oct 4:00 PM

Price Summary

Today's High

₹ 43.3

Today's Low

₹ 42.5

52 Week High

₹ 84

52 Week Low

₹ 24.33

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 188.25 Cr.

Advances

₹ 0 Cr.

No. of Shares

4.35 Cr.

P/E

13.64

P/B

0.81

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  53.57

Operating Revenue

₹ 59.63 Cr.

Net Profit

₹ 13.8 Cr.

Promoter Holding

74.54 %

EPS (TTM)

₹  3.17

Sales Growth

-5.67

ROE

8.7 %

ROCE

12.38%

Profit Growth

7.91 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

Income Growth

1 Year-5.67%
3 Year33.57%
5 YearNA

Profit Growth

1 Year7.91%
3 Year49.33%
5 YearNA

ROE%

1 Year8.7%
3 Year12.66%

ROCE %

1 Year12.38%
3 Year14.15%

ROA%

3.5685

PEG Ratio

NA

PAT Margin (%)

23.1429

EPS Growth(%)

NA

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 74.54 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 3.66276666666667% in last 3 years.
  • TThe company has been maintaining a healthy ROCE of 14.1494666666667% since last 3 years.
  • The company is trading at 0.5204 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 33.5670673950477%.
  • The company has delivered substantial profit growth of 49.3336449183654% over past 3 years.
  • Promoters shareholding is 74.54%.

 Limitations

  • Provision and contingencies have increased by 41.7749059025738%.

Quarterly Result (All Figures in Cr.)
 Quarterly Data is not available for this company.Report us

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2022 Mar 2023 Mar 2024 Mar 2025
Operating Income 25.03 45.63 63.22 59.63
Other Income 0.29 0.73 0.88 0.99
Interest 10.46 21.51 29.8 24.12
Operating Expenses 6.56 9.39 12.65 11.81
Total Provisions 2.81 1.68 4.6 6.52
Exceptional Items 0 0 0 0
Profit Before Tax 5.48 13.79 17.04 18.17
Tax 1.33 3.62 4.25 4.37
Profit After Tax 4.14 10.17 12.79 13.8
Adjusted EPS (Rs.) 2.1 3.6 4.03 3.17

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 6.58 9.42 10.59 21.74
Total Reserves 41.09 72.66 95.44 189.41
Borrowings 45.64 110.42 73.68 90.07
Other N/C liabilities 7.05 16.27 9.92 8.97
Current liabilities 63.28 162.72 145.34 128.33
Total Liabilities 163.64 371.49 334.97 438.52
Assets
Loans 0 0 0 0
Net Block 0.69 0.49 7.21 13.6
Capital WIP 0 0 1.46 0
Intangible WIP 0 0 0 0
Investments 2.16 0 0 0
Other Loans 39.75 110.7 59.75 106.13
Other N/C Assets 0.02 0.02 0.04 0.05
Current Assets 121.02 260.28 266.51 318.73
Total Assets 163.64 371.49 334.97 438.52
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2025%
promoters 74.54
anoop garg 12.56
anoop garg huf 0.41
arushi garg 0.10
br hand investments priva... 13.07
geeta goswami 0.96
nupur gupta 0.11
priya gupta 7.60
rajesh gupta 18.85
rajesh gupta huf 0.40
sachin kmar gupta 0.03
sandhya gupta 0.86
shikha gupta 7.73
sumer chand garg 0.13
sumer chand garg huf 0.67
uninav developers private... 11.04
PARTICULARS Mar 2025%
investors 25.46
athavi consultancy and ad... 1.46
nav capital vcc- nav capi... 1.24
ss corporate securities l... 1.37

Annual Reports

Title Link
Title Link
Annual Report 2025

Ratings & Research Reports

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Concalls & Presentations

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Usha Financial Serv. Stock Price Analysis and Quick Research Report. Is Usha Financial Serv. an attractive stock to invest in?

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse Usha Financial Serv.. 

Key Financials -

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of Usha Financial Serv. is Rs 13.8011 Cr. and the compounded growth of profit in the past 3 years is 49.3330460724692%. The PAT margin of Usha Financial Serv. is 23.1429%.
  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Usha Financial Serv. , the EPS declined by -21.1774% YOY. 

 Financial Ratios -

  • Return on Equity (ROE): Usha Financial Serv. has a poor ROE track record. The ROE of Usha Financial Serv. is at 8.7025% for the latest year.
  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Usha Financial Serv. is worth at the current levels at Rs 42.5. Usha Financial Serv. is trading at a current P/E ratio of 3.9809 and the average historical P/E for the last 5 years was 0.
  • P/B ratio can be one of the best metrics to value such companies. Currently, Usha Financial Serv. is trading at a P/B of 0.793382628840672. The average historical P/B for the last 5 years was 0. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

One can find all the Financial Ratios of Usha Financial Serv. in Ticker for free. Also, one can get the intrinsic value of Usha Financial Serv. by using Valuation Calculators, which are available with a Finology ONE subscription. 

Usha Financial Serv. FAQs

Q1. What is Usha Financial Serv. share price today?
Ans: The current share price of Usha Financial Serv. is Rs 42.5.

Q2. What is the market capitalisation of Usha Financial Serv.?
Ans: Usha Financial Serv. has a market capitalisation of Rs 184.7698635 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Usha Financial Serv.?
Ans: The PE ratio of Usha Financial Serv. is 13.387935107891 and the P/B ratio of Usha Financial Serv. is 0.793382628840672, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Usha Financial Serv. share?
Ans: The 52-week high share price of Usha Financial Serv. is Rs 84, and the 52-week low share price of Usha Financial Serv. is Rs 24.325.

Q5. Does Usha Financial Serv. pay dividends?
Ans: Currently, Usha Financial Serv. does not pay dividends. Dividend yield of Usha Financial Serv. is around 0%.

Q6. What are the face value and book value of Usha Financial Serv. shares?
Ans: The face value of Usha Financial Serv. shares is Rs 10, while the book value per share of Usha Financial Serv. is around Rs 53.5681. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of Usha Financial Serv.?
Ans: The ROE of Usha Financial Serv. is 8.7025% and ROCE of Usha Financial Serv. is 12.3823%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Usha Financial Serv. a good buy for the long term?
Ans: The Usha Financial Serv. long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Usha Financial Serv. undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Usha Financial Serv. appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Usha Financial Serv.’s financials?
Ans: You can review Usha Financial Serv.’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
Brief about Usha Financial Serv.
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