Recent Price Movement and Market Context
On 24 Nov 2025, Upsurge Investment & Finance opened with a gap down of 5.15%, touching an intraday low of Rs.75, which represents its lowest price point in the past year. The stock has recorded losses for three consecutive sessions, resulting in a cumulative return of -5.26% over this period. This decline contrasts with the broader market trend, where the Sensex opened 88.12 points higher and was trading at 85,400.21, reflecting a 0.2% gain. The Sensex is also nearing its 52-week high of 85,801.70, currently just 0.47% away, supported by a three-week consecutive rise and leadership from mega-cap stocks.
Upsurge Investment & Finance’s performance today underperformed its sector by 1.54%, and the stock is trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. This technical positioning indicates a sustained downward momentum in the stock price relative to its recent trading history.
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Financial Performance Trends
Over the last quarter, Upsurge Investment & Finance reported net sales of Rs.22.88 crores, which is 21.2% lower than the average of the previous four quarters. Profit before tax excluding other income (PBT less OI) stood at Rs.0.94 crore, reflecting a decline of 83.5% compared to the prior four-quarter average. Similarly, the profit after tax (PAT) for the quarter was Rs.0.94 crore, down by 80.4% relative to the same period.
These figures highlight a notable contraction in profitability and sales in the recent quarter, contributing to the stock’s downward pressure. Over the past year, the company’s profits have fallen by 44.1%, while the stock price has declined by 55.40%, a stark contrast to the Sensex’s 7.94% gain during the same timeframe. The BSE500 index also generated returns of 6.72% in the last year, underscoring the stock’s relative underperformance within the broader market context.
Long-Term Fundamentals and Valuation
Despite recent setbacks, Upsurge Investment & Finance maintains certain long-term fundamental strengths. The company has demonstrated an average return on equity (ROE) of 16.67%, indicating efficient utilisation of shareholder capital over time. Net sales have grown at an annual rate of 31.67%, while operating profit has expanded at a rate of 72.92%, reflecting healthy growth trends in prior periods.
The stock’s valuation metrics show a price-to-book value of 1.4, which is considered attractive relative to its peers’ historical averages. The company’s ROE for the latest period stands at 9.5, supporting this valuation level. However, the current share price is trading at a premium compared to the average historical valuations of its sector counterparts, which may reflect market caution given recent financial results.
Shareholding and Sector Position
Upsurge Investment & Finance operates within the Non Banking Financial Company (NBFC) sector, a segment that has experienced varied performance across different players. The majority shareholding remains with promoters, indicating concentrated ownership. The company’s market capitalisation grade is relatively low, reflecting its current market valuation status.
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Comparative Market Performance
In comparison to the broader market, Upsurge Investment & Finance’s stock has lagged significantly. While the Sensex has been supported by mega-cap stocks and is trading above its 50-day and 200-day moving averages, Upsurge Investment & Finance remains below all major moving averages. This divergence highlights the stock’s current weakness relative to the overall market momentum.
The stock’s 52-week high was Rs.200.75, indicating a substantial decline of over 62% from that peak to the current 52-week low of Rs.75. This wide range reflects the volatility and challenges faced by the company over the past year.
Summary of Key Metrics
To summarise, Upsurge Investment & Finance’s recent trading session saw a 1.35% decline in share price, with a three-day losing streak culminating in the 52-week low. The company’s quarterly financials show contraction in sales and profits, while long-term growth rates and ROE remain positive. The stock’s valuation is at a premium relative to peers, despite the recent price weakness.
These factors collectively illustrate the current state of the stock within the NBFC sector and the broader market environment as of late November 2025.
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