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Urban Company

URBANCO NSE
₹155.01 No trade today
P/E
Not meaningful: loss-making over the last twelve months
View as Markdown
MCP
Close 4 Nov 2026 ₹155.01 +11.58 +8.07% 1Y
Start ₹143.43

Key Fundamentals

SmallcapRetailConsumer Services

Price-based figures as of · EPS basis: Consolidated · TTM

ROCE
−7.82%
Debt to Equity
0.06
EPS (TTM)
−₹2.21
Book Value
₹12.88
Market Cap
—
P/E (TTM)
Not meaningful: loss-making over the last twelve months
P/B
12.03
ROE
−12.00%
Dividend Yield
0.00%
EBITDA
−₹86.20 Cr
52W High
₹183.97
52W Low
₹100.70
Volume
0

Peer Comparison

Consumer Discretionary › Retail › Ecommerce › E-Retail/ E-Commerce

Urban Company peer comparison
Eternal
₹344.50662.50₹3,34,095 Cr10.620.00%0.38%2.48%₹77,956 Cr₹493 Cr
Meesho
₹224.55—₹1,03,188 Cr24.730.00%−46.20%−40.00%₹13,835 Cr−₹1,201 Cr
Nykaa
₹355.50399.44₹1,01,640 Cr70.820.00%15.30%17.20%₹10,649 Cr₹260 Cr
Swiggy
₹178.89—₹49,465 Cr2.910.00%−29.10%−24.10%₹24,904 Cr−₹3,748 Cr
Urban Company (this company)
₹155.01—₹24,479 Cr12.030.00%−12.00%−7.82%₹1,717 Cr−₹333 Cr
CarTrade Tech
₹2,492.9051.54₹12,070 Cr4.610.00%9.65%11.80%₹807 Cr₹254 Cr
Shiprocket
₹131.89—₹9,563 Cr3.980.00%−5.14%−2.68%₹1,631 Cr−₹48 Cr
Median 7 companies₹224.55399.44₹49,465 Cr10.620.00%−5.14%−2.68%₹10,649 Cr−₹48 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

37 Weak

Data confidence 91/100

Category scores

Quality
4
Poor
Returns, margins, earnings quality 22% weight
Valuation
18
Poor
Cheap vs sector & own history 24% weight
Growth
95
Strong
Sales & profit trajectory 9% weight
Financial Health
52
Average
Solvency, leverage, coverage 9% weight
Momentum
64
Good
Trend strength, vol-adjusted 12% weight
Ownership
50
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Company is almost debt free.
  • Company is expected to give good quarter

Weaknesses

4
  • Stock is trading at 11.8 times its book value
  • Company has low interest coverage ratio.
  • Promoter holding is low: 19.0%
  • Company has a low return on equity of -1.86% over last 3 years.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bullish3610
OscillatorsBearish261
Moving AveragesStrong Bullish109

Key readings

RSI (14)
51.25
Neutral
MACD (12,26,9)
−2.19
Bullish
SMA (50)
161.60
Bearish
SMA (200)
136.28
Bullish

As of

Analyst Rating

Based on 9 analysts
BUY67%

6 of 9 analysts rate Buy, 1 Hold, 2 Sell.

As of

BUY
6
67%
HOLD
1
11%
SELL
2
22%

Growth Rate

From the financial statements below. 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
5Y+44.38%
3Y+34.68%
1Y+36.01%
TTM+39.59%

Net profit

Net profit growth by window
5YLoss narrowed by ₹14 Cr
3YLoss narrowed by ₹77 Cr
1YTurned to loss
TTMTurned to loss

Operating cash flow

Operating cash flow growth by window
5YOutflow narrowed by ₹42 Cr
3YOutflow narrowed by ₹139 Cr
1YTurned negative
TTM—

TTM: Reported once a year, so there is no trailing-twelve-month figure.

Operating margin· change in pp

Operating margin growth by window
5Y+86.91 pp
3Y+40.82 pp
1Y−12.82 pp
TTM−15.62 pp

Revenue by year

Revenue by year, ₹ crore
Mar 2020₹219 Cr
Mar 2021₹248 Cr
Mar 2022₹438 Cr
Mar 2023₹637 Cr
Mar 2024₹828 Cr
Mar 2025₹1,144 Cr
Mar 2026₹1,556 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2020−₹155 Cr
Mar 2021−₹249 Cr
Mar 2022−₹514 Cr
Mar 2023−₹312 Cr
Mar 2024−₹93.00 Cr
Mar 2025₹240 Cr
Mar 2026−₹235 Cr

Analyst Forecasts

Forecast For
Dec 26 consensus · EBITDA
−₹130 Cr +15.6% vs Sep 26
Reported High Mean Low

AI Analysis — Bull vs Bear

Figures as of 2 Nov 2026
AI opinion · based on fundamentals
Risk high

Urban Company Ltd trades at ₹156.87 with a market cap of ₹23,848 Cr as of 2026-11-02. The company delivers strong revenue growth with a 3-year compounded sales CAGR of 35%, but remains loss-making with a TTM EPS of -₹2.21 and negative return on equity of -10.95%, presenting a mixed picture of rapid top-line expansion against persistent unprofitability.

Bull Case 6
  • Strong revenue momentum with 3-year compounded sales growth of 35% and 5-year compounded sales growth of 44%, indicating sustained demand for the platform's services.
  • TTM sales growth remains robust at 39%, showing no signs of top-line deceleration even on a larger base.
  • The company is almost debt free with a debt-to-equity ratio of just 0.06, giving it significant financial flexibility and low balance sheet risk.
  • The stock has appreciated 55.7% from its 52-week low of ₹100.70, reflecting improving market sentiment and a sustained uptrend over the past year.
  • 3-year compounded profit growth stands at 8%, suggesting the company has started narrowing losses on a multi-year basis even as it scales aggressively.
  • The company is expected to deliver a good upcoming quarter, which could serve as a near-term positive catalyst for the stock.
Bear Case 8
  • The company remains loss-making with a TTM EPS of -₹2.21 and a TTM profit decline of -241%, indicating a sharp deterioration in bottom-line performance in the most recent period.
  • Return on equity is deeply negative at -10.95%, and the 3-year average ROE is -2% while the 5-year average is -13%, showing a sustained inability to generate positive returns for shareholders.
  • The stock trades at 12.18 times book value despite negative earnings, implying the valuation is heavily dependent on future growth expectations rather than current fundamentals.
  • ROCE is negative at -7.16%, meaning the company is destroying capital rather than generating returns on its deployed resources.
  • Promoter holding is low at 19.0%, which may raise governance concerns and suggests limited promoter skin-in-the-game relative to the overall market capitalisation.
  • The company pays no dividend with a yield of 0%, offering no income cushion to investors during periods of price volatility.
  • The company has a low interest coverage ratio, signalling that even its modest debt obligations are a strain given the current loss-making operations.
  • The 1-year stock price CAGR of just 4% is modest relative to the premium valuation of 12.18x book, suggesting the market may already be tempering its growth expectations.

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

9h ago

TL;DR: Urban Company's core home services business is growing profitably with 41% revenue growth and improving margins, but the aggressive InstaHelp investment tripled consolidated losses to ₹183 crore and drove a 9% stock selloff. The ₹2,500 crore fundraise provides strategic ammunition but risks meaningful dilution. With ₹1,901 crore in cash and strong user growth to 10 million transacting users, survival is not a concern — the key risk is whether InstaHelp's unit economics can improve fast enough to justify the burn before competitors consolidate. The next two quarters will be decisive in validating management's Q3 FY28 breakeven target.

Headwinds 5
  • Q2 net loss triples YoY Oct 16

    Consolidated net loss widened to ₹182.5 crore from ₹59.3 crore a year ago, with total expenses climbing 61% to ₹745.7 crore, outpacing the 41% revenue growth.

  • InstaHelp burning ₹174 Cr/quarter Oct 16

    InstaHelp posted a segment loss of ₹173.1 crore on just ₹20.5 crore revenue, with loss per order at ₹279. The unit loses roughly 2.4x its revenue per order.

  • Potential 9-10% equity dilution Oct 16

    The board approved raising up to ₹2,500 crore via equity or convertible securities, which at current prices could dilute existing shareholders by approximately 9.3-10.2%.

Positives 6
  • Revenue up 41% to ₹537 Cr Oct 16

    Q2 FY27 revenue rose 41% YoY to ₹537.3 crore, with NTV growing 39% to ₹1,432 crore and orders delivered more than doubling to 15.1 million.

  • Core business profitable ex-InstaHelp Oct 16

    Excluding InstaHelp, adjusted EBITDA was ₹30 crore, up 213% YoY. India consumer services margin improved to 3.5% of NTV from 2.4% a year ago.

  • International revenue surges 82% Oct 16

    International operations revenue jumped 82% to ₹75 crore with NTV growing 66% to ₹267 crore, and margin improved to about 2% of NTV.

Neutral 3
  • Analyst meet on Oct 26 Oct 21

    Urban Company will hold a physical analyst and investor group meeting on October 26 in Mumbai. No unpublished price-sensitive information will be shared.

  • AC business exploration approved Oct 16

    The board granted in-principle approval for exploring residential air conditioners under the Native segment, adding a new product category to the smart home vertical.

  • EBITDA breakeven target Q3 FY28 Oct 16

    Management reiterated targets of consolidated adjusted EBITDA breakeven by Q3 FY28 and ₹1,000 crore adjusted EBITDA by FY31, though the revenue scale required was not disclosed.

Quarterly Results

₹ Cr
URBANCO quarterly results, ₹ crore
Particulars Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Sales
277
288
298
367
380
383
426
528
537
Expenses
294
290
317
381
459
425
545
626
—
Operating Profit
−16
−2
−19
−13
−79
−42
−120
−97
—
OPM %
−6%
−0.7%
−6%
−3.6%
−21%
−11%
−28%
−18%
—
Other Income
27
30
32
31
33
36
37
33
—
Interest
3
3
3
3
3
3
3
3
3
Depreciation
10
9
9
10
10
12
14
16
17
PBT
−2
16
1
6
−59
−21
−100
−84
−175
Tax %
0%
−1315%
301%
−23%
0%
1%
61%
10%
4%
Net Profit
−2
232
−3
7
−59
−21
−161
−92
−182
EPS (₹)
Not comparable with later periods: it is stated on a share count about a hundred times or more different, so it is left blank.
Not comparable with later periods: it is stated on a share count about a hundred times or more different, so it is left blank.
Not comparable with later periods: it is stated on a share count about a hundred times or more different, so it is left blank.
Not comparable with later periods: it is stated on a share count about a hundred times or more different, so it is left blank.
Not comparable with later periods: it is stated on a share count about a hundred times or more different, so it is left blank.
Not comparable with later periods: it is stated on a share count about a hundred times or more different, so it is left blank.
−1.05
−0.6
—

Sep 2026: from the results filed on 16 Oct 2026, ahead of the full statement, so some rows are blank.

Profit & Loss

₹ Cr
URBANCO profit and loss, annual, ₹ crore
Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales
219
248
438
637
828
1,144
1,556
1,717
Expenses
391
503
987
1,000
974
1,184
1,809
2,055
Operating Profit
−173
−256
−549
−364
−146
−40
−254
−338
OPM %
−79%
−103%
−126%
−57%
−18%
−3.5%
−16%
−20%
Other Income
44
42
72
90
100
116
137
138
Interest
8
10
8
8
10
11
12
12
Depreciation
19
26
28
31
37
37
45
52
PBT
−155
−249
−514
−312
−93
29
−175
−264
Tax %
0%
0%
0%
0%
0%
−740%
34%
—
Net Profit
−155
−249
−514
−312
−93
240
−235
−334
EPS (₹)
Not comparable with later periods: it is stated on a share count about a hundred times or more different, so it is left blank.
Not comparable with later periods: it is stated on a share count about a hundred times or more different, so it is left blank.
Not comparable with later periods: it is stated on a share count about a hundred times or more different, so it is left blank.
Not comparable with later periods: it is stated on a share count about a hundred times or more different, so it is left blank.
Not comparable with later periods: it is stated on a share count about a hundred times or more different, so it is left blank.
4.9
−1.52
−2.21
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
—

Balance Sheet

₹ Cr
URBANCO balance sheet, annual, ₹ crore
Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
0.01
0.02
0.02
0.02
0.02
49
146
Reserves
631
454
1,551
1,339
1,292
1,746
1,997
Borrowings
0
0
0
102
104
120
136
Other Liabilities
182
193
243
195
248
294
439
Total Liabilities
813
647
1,794
1,636
1,645
2,210
2,718
Fixed Assets
126
92
87
121
117
127
158
CWIP
0
0
0
0
0
0
0
Investments
479
371
922
1,009
762
1,091
1,262
Other Assets
208
185
785
506
766
992
1,298
Total Assets
813
647
1,794
1,636
1,645
2,210
2,718

Cash Flow

₹ Cr
URBANCO cash flow, annual, ₹ crore
Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−139
−141
−315
−238
−86
55
−99
Investing
66
111
−1,087
299
95
−200
−278
Financing
220
−23
1,383
−25
−30
164
435
Net Cash Flow
147
−54
−19
36
−20
19
59
Free Cash Flow
−145
−145
−326
−253
−94
44
−139
CFO/OP
80
54
57
65
56
−148
38

Ratios

URBANCO financial ratios, annual
Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days
2
5
6
6
9
8
9
Inventory Days
91
102
118
67
100
87
103
Days Payable
206
394
393
308
262
190
204
Cash Conversion Cycle
−113
−288
−269
−234
−153
−94
−93
Working Capital Days
−55
−105
−62
−17
−7
−38
22
ROCE %
—
−44%
−51%
−20%
−6%
2%
−8%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Urban Company insights

50 extracted metrics across FY20–FY27.

Shareholding Pattern

As of Sep 2026

  • FIIs 52.51%
  • Promoters 19.02%
  • DIIs 15.17%
  • Public 7.02%
  • Others 6.28%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Documents

Frequently Asked Questions about Urban Company

What does Urban Company Ltd do?
Incorporated in December 2014, Urban Company is a technology-driven, full-stack online marketplace offering home and beauty services.
Where is Urban Company Ltd (URBANCO) listed?
Urban Company Ltd trades as URBANCO on the NSE and under code 544515 on the BSE.
Which sector does Urban Company Ltd belong to?
Urban Company Ltd is classified under the Retail sector, in the Ecommerce industry.
What is the 52-week high and low of Urban Company Ltd?
Over the last 52 weeks Urban Company Ltd has traded between ₹100.7 and ₹183.97 as of 4 Nov 2026.
What is the Return on Equity (ROE) of Urban Company Ltd?
Urban Company Ltd reported a return on equity of -12.00%. Its debt-to-equity ratio is 0.06.

Company Information

Incorporated in December 2014, Urban Company is a technology-driven, full-stack online marketplace offering home and beauty services.

Website urbancompany.com
Listed 17 Sep 2025
Face Value ₹1

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