Usha Financial Services
USHAFIN NSE
Usha Financial Services
Financial ServicesNSE: USHAFIN Finance
Key Fundamentals
SMENBFCFinancial ServicesMarket Cap
₹217 Cr
Volatility
Moderate
P/E Ratio
8.62
EBITDA
₹55.50 Cr
Return on Equity
9.78%
Debt to Equity
1.15
Book Value
₹52.83
52W High
₹56.45
52W Low
₹26.75
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
2- Stock is trading at 0.95 times its book value
- Company has delivered good profit growth of 42.2% CAGR over last 5 years
Weaknesses
2- Though the company is reporting repeated profits, it is not paying out dividend
- Company has a low return on equity of 10.3% over last 3 years.
Growth Rate
Revenue Growth
16.89% higher than
3Y
Net Income Growth
69.17% higher than
3Y
Cash Flow Change
116% higher than
3Y
ROE
52.81% higher than
3Y
ROCE
25.23% higher than
3Y
EBITDA Margin (Avg.)
11.61% higher than
3Y
Quarterly Results
| Particulars | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 13.58 | 16.56 | 16.94 | 17.38 | 16.93 | 19.18 | 17.63 | 20.26 |
| Expenses | 2.39 | 3.65 | 8.7 | 3.84 | 5.27 | 3.52 | 3.16 | 3.6 |
| Financing Profit | 5.65 | 6.05 | 1.92 | 7.49 | 5.68 | 9.62 | 9.16 | 11.2 |
| Fin. Margin % | 41.61% | 36.53% | 11.33% | 43.1% | 33.55% | 50.16% | 51.96% | 55.28% |
| Other Income | 0 | 0.04 | 0 | 0.04 | 0.04 | 0.04 | 0.06 | 0.05 |
| Interest | 5.54 | 6.86 | 6.32 | 6.05 | 5.98 | 6.04 | 5.31 | 5.46 |
| Depreciation | 0.08 | 0.08 | 0.31 | 0.39 | 0.4 | 0.4 | 0.39 | 0.47 |
| PBT | 5.57 | 6.01 | 1.61 | 7.14 | 5.32 | 9.26 | 8.83 | 10.78 |
| Tax % | 24.78% | 24.29% | 38.51% | 25.07% | 25.38% | 28.83% | 25.82% | 25.51% |
| Net Profit | 4.19 | 4.55 | 0.98 | 5.35 | 3.98 | 6.59 | 6.55 | 8.03 |
| EPS in Rs | 1.32 | 1.05 | 0.23 | 1.23 | 0.92 | 1.52 | 1.51 | 1.85 |
Profit & Loss
| Particulars | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|
| Revenue | 52 | 26 | 25 | 46 | 64 | 61 | 71 | 74 |
| Expenses | 16 | 10 | 9 | 11 | 17 | 18 | 16 | 16 |
| Financing Profit | 16 | 5 | 6 | 14 | 17 | 18 | 32 | 36 |
| Fin. Margin % | 31% | 21% | 23% | 30% | 27% | 30% | 45% | 48% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 20 | 11 | 10 | 22 | 30 | 24 | 23 | 23 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 2 |
| PBT | 15 | 5 | 5 | 14 | 17 | 18 | 31 | 34 |
| Tax % | 26% | 22% | 24% | 26% | 25% | 24% | 26% | — |
| Net Profit | 11 | 4 | 4 | 10 | 13 | 13 | 22 | 25 |
| EPS in Rs | — | — | — | — | 6.03 | 3.07 | 5.17 | 5.8 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
| Particulars | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Equity Capital | 6 | 6 | 7 | 9 | 11 | 22 | 43 |
| Reserves | 33 | 37 | 41 | 73 | 95 | 187 | 186 |
| Borrowing | 148 | 63 | 97 | 248 | 181 | 185 | 176 |
| Other Liabilities | 67 | 11 | 19 | 43 | 49 | 37 | 24 |
| Total Liabilities | 254 | 117 | 164 | 372 | 336 | 431 | 430 |
| Fixed Assets | 1 | 1 | 1 | 0 | 7 | 23 | 23 |
| CWIP | 0 | 0 | 0 | 0 | 1 | 0 | 0 |
| Investments | 0 | 2 | 2 | 0 | 0 | 0 | 7 |
| Other Assets | 253 | 114 | 161 | 372 | 327 | 408 | 400 |
| Total Assets | 254 | 117 | 164 | 372 | 336 | 431 | 430 |
Cash Flow
| Particulars | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Operating | -27 | -8 | -35 | -177 | 71 | -95 | 15 |
| Investing | 0 | -2 | 0 | 2 | -8 | -2 | -8 |
| Financing | 54 | -17 | 35 | 175 | -56 | 95 | -11 |
| Net Cash Flow | 28 | -27 | 0 | -1 | 8 | -2 | -3 |
| Free Cash Flow | -27 | -8 | -35 | -177 | 63 | -100 | 13 |
| CFO/OP | -70 | -43 | -205 | -492 | 162 | -212 | 39 |
Ratios
| Particulars | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| ROE % | 29% | 9% | 9% | 16% | 13% | 8% | 10% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Usha Financial Services insights
15 extracted metrics + investor summaries across FY20–FY26.
Documents
1
Shareholders meeting
11 Sep - AGM on September 9, 2026 approved 7 resolutions, including NCD issuance up to Rs200 crore. 11 Sep - AGM on September 9, 2026 approved 7 resolutions, including NCD issuance up to Rs200 crore.
2
Change in Director(s)
11 Sep - Shareholders approved Nupur Gupta's reappointment and Sudhanshu Singhal's independent director appointment on September 9, 2026. 11 Sep - Shareholders approved Nupur Gupta's reappointment and Sudhanshu Singhal's independent director appointment on September 9, 2026.
3
Issue of Securities
11 Sep - Shareholders approved up to Rs. 200 crore NCD issuance by private placement from Sept. 9, 2026. 11 Sep - Shareholders approved up to Rs. 200 crore NCD issuance by private placement from Sept. 9, 2026.
4
Shareholders meeting
9 Sep - Usha Financial held its 30th AGM on September 9, 2026, including NCD issuance up to Rs. 200 crore. 9 Sep - Usha Financial held its 30th AGM on September 9, 2026, including NCD issuance up to Rs. 200 crore.
5
Copy of Newspaper Publication
2 Sep - Submitted newspaper advertisement for 2nd EGM on September 26, 2026 via VC/OAVM. 2 Sep - Submitted newspaper advertisement for 2nd EGM on September 26, 2026 via VC/OAVM.
Frequently Asked Questions about Usha Financial Services
What does Usha Financial Services Ltd do?
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]
Where is Usha Financial Services Ltd (USHAFIN) listed?
Usha Financial Services Ltd trades as USHAFIN on the NSE.
Which sector does Usha Financial Services Ltd belong to?
Usha Financial Services Ltd is classified under the Financial Services sector, in the Finance industry.
What is the market capitalisation of Usha Financial Services Ltd?
Usha Financial Services Ltd has a market capitalisation of ₹217.38 Cr, which places it in the Small Cap band.
What is the PE ratio of Usha Financial Services Ltd?
Usha Financial Services Ltd trades at a PE ratio of 8.62, against a book value of ₹52.83 per share.
What is the 52-week high and low of Usha Financial Services Ltd?
Over the last 52 weeks Usha Financial Services Ltd has traded between ₹26.75 and ₹56.45.
What is the Return on Equity (ROE) of Usha Financial Services Ltd?
Usha Financial Services Ltd reported a return on equity of 9.78%. Its debt-to-equity ratio is 1.15.
Company Information
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]
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