Usha Financial Services
- P/E
- 10.11
Key Fundamentals
SMEFinanceFinancial ServicesPrice-based figures as of · EPS basis: Standalone · TTM
- Debt to Equity
- 0.77
- EPS (TTM)
- ₹5.80
- Book Value
- ₹52.83
- Market Cap
- —
- P/E (TTM)
- 10.11
- P/B
- 1.11
- ROE
- 10.20%
- Dividend Yield
- 0.00%
- 52W High
- ₹59.80
- 52W Low
- ₹26.75
- Volume
- 0
- ROCE
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
- EBITDA
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Peer Comparison
Financial Services › NBFC › Non Banking Financial Company (NBFC)
| ₹994.00 | 28.53 | ₹6,11,015 Cr | 5.02 | 0.62% | 18.20% | — | ₹90,331 Cr | ₹22,067 Cr | |
| ₹908.75 | 15.19 | ₹2,13,704 Cr | 1.92 | 0.73% | 16.40% | — | ₹51,877 Cr | ₹12,688 Cr | |
| ₹1,658.00 | 24.45 | ₹1,42,243 Cr | 4.10 | 0.12% | 19.40% | — | ₹32,663 Cr | ₹5,751 Cr | |
| ₹337.75 | 26.24 | ₹1,41,036 Cr | 2.93 | 0.17% | 12.40% | — | ₹32,695 Cr | ₹5,478 Cr | |
| ₹2,709.80 | 9.57 | ₹1,04,354 Cr | 2.48 | 1.19% | 30.90% | — | ₹33,431 Cr | ₹11,457 Cr | |
| ₹263.70 | 20.75 | ₹63,912 Cr | 2.26 | 1.09% | 11.20% | — | ₹18,898 Cr | ₹3,198 Cr | |
| ₹553.00 | 23.14 | ₹52,160 Cr | 3.06 | 0.47% | 14.70% | — | ₹20,063 Cr | ₹2,275 Cr | |
Usha Financial Services (this company) | ₹58.65 | 10.11 | ₹246 Cr | 1.11 | 0.00% | 10.20% | — | ₹74 Cr | ₹25 Cr |
| Median 8 companies | ₹730.88 | 21.95 | ₹1,22,695 Cr | 2.71 | 0.54% | 15.55% | — | ₹32,679 Cr | ₹5,615 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
Data confidence 94/100
Category scores
- Quality
- 81
- Strong
- Returns, margins, earnings quality 22% weight
- Valuation
- 63
- Good
- Cheap vs sector & own history 24% weight
- Growth
- 54
- Average
- Sales & profit trajectory 9% weight
- Financial Health
- 45
- Weak
- Solvency, leverage, coverage 9% weight
- Momentum
- 99
- Strong
- Trend strength, vol-adjusted 12% weight
- Ownership
- 56
- Good
- 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- Stock is trading at 1.05 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.
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Strong Bullish | 3 | 4 | 12 |
| Oscillators | Bearish | 3 | 4 | 2 |
| Moving Averages | Strong Bullish | 0 | 0 | 10 |
Oscillators
Bearish
Overall
Strong Bullish
Moving Averages
Strong Bullish
Key readings
- RSI (14)
- 62.49
- Neutral
- MACD (12,26,9)
- 1.59
- Bullish
- SMA (50)
- 51.13
- Bullish
- SMA (200)
- 38.16
- Bullish
As of
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
| 5Y | +22.25% |
|---|---|
| 3Y | +15.57% |
| 1Y | +16.39% |
| TTM | +14.80% |
Net profit
| 5Y | +40.63% |
|---|---|
| 3Y | +30.06% |
| 1Y | +69.23% |
| TTM | +66.89% |
Operating cash flow
Not meaningful
A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.
Revenue by year
| Mar 2020 | ₹52.00 Cr |
|---|---|
| Mar 2021 | ₹26.00 Cr |
| Mar 2022 | ₹25.00 Cr |
| Mar 2023 | ₹46.00 Cr |
| Mar 2024 | ₹64.00 Cr |
| Mar 2025 | ₹61.00 Cr |
| Mar 2026 | ₹71.00 Cr |
Net profit by year
| Mar 2020 | ₹11.00 Cr |
|---|---|
| Mar 2021 | ₹4.00 Cr |
| Mar 2022 | ₹4.00 Cr |
| Mar 2023 | ₹10.00 Cr |
| Mar 2024 | ₹13.00 Cr |
| Mar 2025 | ₹13.00 Cr |
| Mar 2026 | ₹22.00 Cr |
Quarterly Results
₹ Cr| 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 (₹) | 1.32 | 1.05 | 0.23 | 1.23 | 0.92 | 1.52 | 1.51 | 1.85 |
Profit & Loss
₹ Cr| 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 (₹) | — | — | — | — | 6.03 | 3.07 | 5.17 | 5.8 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
₹ Cr| 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
₹ Cr| 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
46 extracted metrics across FY20–FY27.
Documents
- 5 Dec 2025
- 12 Aug 2025
- 1 Oct 2026
- 30 Sep 2026
- 30 Sep 2026
- 29 Sep 2026
Frequently Asked Questions about Usha Financial Services
What does Usha Financial Services Ltd do?
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Which sector does Usha Financial Services Ltd belong to?
What is the PE ratio of Usha Financial Services Ltd?
What is the 52-week high and low of Usha Financial Services Ltd?
What is the Return on Equity (ROE) of Usha Financial Services Ltd?
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.
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