Usha Financial

{
  "main_header": {
    "sid": 10039448,
    "name": "Usha Financial",
    "stock_name": "Usha Financial",
    "full_name": "Usha Financial Services Ltd",
    "name_url": "stocks-analysis/usha-financial",
    "exchange": 1,
    "exchangecode": "",
    "country_id": 34,
    "currency": "INR",
    "cmp": "29.05",
    "chg": -0.15,
    "chgp": "-0.51%",
    "dir": -1,
    "prev_price": "29.20",
    "mcapval": "127.00 Cr",
    "mcap": "Micro Cap",
    "scripcode": "",
    "symbol": "USHAFIN",
    "ind_name": "Non Banking Financial Company (NBFC)",
    "ind_code": 5,
    "indexname": "",
    "isin": "INE0LS001014",
    "curr_date": "Feb 06",
    "curr_time": "",
    "bse_nse_vol": 8000,
    "exc_status": "Active",
    "traded_date": "Feb 06, 2026",
    "traded_date_str": "2026 02 06",
    "score": "",
    "scoreText": "",
    "Live": 0,
    "market_time": 0,
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  "news": {
    "results": [
      {
        "title": "Why is Usha Financial falling/rising?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/why-is-usha-financial-fallingrising-3722369",
        "imagepath": "",
        "date": "2025-11-22 01:38:21",
        "description": "    <div class=\"article-news-new\">\n        <div class=\"article-container\">\n\n<div class=\"article-content\">\n\n<p><strong>Persistent Downtrend Against Market Benchmarks</strong></p>\n<p>Usha Financial’s recent price movement is part of a longer-term trend of underperformance. Over the past week, the stock has declined by 5.65%, while the Sensex, a key market benchmark, has advanced by 0.61%. This divergence has widened over the past month, with Usha Financial falling 9.35% compared to the Sensex’s modest 0.77% gain. The year-to-date figures further highlight the stock’s struggles, showing a steep 34.58% loss against the Sensex’s 10.25% rise. Over the last year, the stock’s decline deepened to 36.62%, whereas the Sensex appreciated by 11.64%. These figures underscore a persistent negative sentiment surrounding Usha Financial, contrasting sharply with the broader market’s positive trajectory.</p>\n<p><strong>Techni..."
      },
      {
        "title": "Is Usha Financial overvalued or undervalued?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-usha-financial-overvalued-or-undervalued-3719944",
        "imagepath": "",
        "date": "2025-11-21 08:50:02",
        "description": "    <div class=\"article-news-new\">\n        <div class=\"article-container\">\n\n<div class=\"article-content\">\n\n<p><strong>Valuation Metrics Indicate Undervaluation</strong></p>\n<p>At a current price of ₹41.00, Usha Financial trades at a price-to-earnings (PE) ratio of approximately 12.9, which is markedly lower than prominent competitors such as Bajaj Finance and Bajaj Finserv, whose PE ratios exceed 30. The price-to-book (P/B) ratio of 0.82 further suggests the stock is trading below its net asset value, a classic indicator of undervaluation in the financial sector. Additionally, the enterprise value to EBITDA (EV/EBITDA) multiple stands near 19.5, which, while higher than some peers, remains reasonable given the company’s asset base and earnings profile.</p>\n<p>These valuation multiples collectively underpin the recent upgrade in the company’s valuation grade to “very attractive,” reflecting a market price th..."
      },
      {
        "title": "Is Usha Financial overvalued or undervalued?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-usha-financial-overvalued-or-undervalued-3713676",
        "imagepath": "",
        "date": "2025-11-19 08:10:49",
        "description": "As of 18 November 2025, Usha Financial's valuation grade has moved from very attractive to attractive. The company is currently assessed as undervalued, supported by a PE ratio of 13.75, a price-to-book value of 0.88, and an EV to EBITDA ratio of 20.19. In comparison to its peers, Bajaj Finance is deemed very expensive with a PE ratio of 34.46, while Life Insurance stands out as very attractive with a PE ratio of 11.34.\n\nDespite Usha Financial's recent stock performance showing a decline of 27.25% year-to-date compared to a 9.58% gain in the Sensex, the current valuation metrics suggest that the stock presents a buying opportunity. The company's ROCE stands at 4.48% and ROE at 6.37%, indicating potential for improvement relative to its peers, which further supports the undervaluation thesis...."
      },
      {
        "title": "How has been the historical performance of Usha Financial?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/how-has-been-the-historical-performance-of-usha-financial-3709305",
        "imagepath": "",
        "date": "2025-11-17 23:27:30",
        "description": "Answer:\nThe historical performance of Usha Financial shows a mixed trend in key financial metrics over the past three years.\n\nBreakdown:\nUsha Financial's net sales decreased from 63.22 Cr in Mar'24 to 59.63 Cr in Mar'25, while total operating income followed the same trend, dropping to 59.63 Cr from 63.22 Cr. The company's total expenditure, excluding depreciation, also decreased to 41.98 Cr in Mar'25 from 46.65 Cr in Mar'24. Operating profit, however, increased to 18.64 Cr in Mar'25 from 17.31 Cr in Mar'24, indicating improved operational efficiency despite lower sales. Profit before tax rose to 18.17 Cr in Mar'25, up from 17.04 Cr in Mar'24, and profit after tax increased to 13.80 Cr from 12.79 Cr in the same period. The company's equity capital significantly increased to 21.74 Cr in Mar'25 from 10.59 Cr in Mar'24, contributing to a rise in total reserves to 189.41 Cr from 95.44 Cr. Cash flow from operati..."
      },
      {
        "title": "How has been the historical performance of Usha Financial?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/how-has-been-the-historical-performance-of-usha-financial-3704392",
        "imagepath": "",
        "date": "2025-11-15 00:37:20",
        "description": "Answer:\nThe historical performance of Usha Financial shows a mixed trend in key financial metrics over the past three years.\n\nBreakdown:\nUsha Financial's net sales decreased from 63.22 Cr in Mar'24 to 59.63 Cr in Mar'25, while total operating income remained consistent at 59.63 Cr in Mar'25 compared to 63.22 Cr in Mar'24. The company's total expenditure, excluding depreciation, also declined from 46.65 Cr in Mar'24 to 41.98 Cr in Mar'25. Operating profit (PBDIT) increased from 17.31 Cr in Mar'24 to 18.64 Cr in Mar'25, indicating improved operational efficiency. Profit before tax rose to 18.17 Cr in Mar'25 from 17.04 Cr in Mar'24, and profit after tax increased to 13.80 Cr from 12.79 Cr in the same period. The company's earnings per share (EPS) decreased from 8.05 in Mar'24 to 3.17 in Mar'25, while the PAT margin improved to 23.14% in Mar'25 from 20.23% in Mar'24. On the balance sheet, total assets grew sign..."
      },
      {
        "title": "Is Usha Financial overvalued or undervalued?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-usha-financial-overvalued-or-undervalued-3687841",
        "imagepath": "",
        "date": "2025-11-11 08:14:38",
        "description": "As of 10 November 2025, Usha Financial's valuation grade has moved from attractive to very attractive, indicating a significant positive shift in its valuation outlook. The company is currently assessed as undervalued, with a PE ratio of 13.59, an EV to EBIT ratio of 10.59, and an EV to EBITDA ratio of 10.30. These ratios suggest that Usha Financial is trading at a lower valuation compared to its peers.\n\nIn comparison to its industry peers, Usha Financial's PE ratio is notably lower than that of Bajaj Finance, which stands at 38.76, and Bajaj Finserv at 35.58, both categorized as very expensive. Additionally, Life Insurance, another peer, is rated very attractive with a PE ratio of 11.14, further reinforcing Usha Financial's favorable valuation position. Despite recent stock performance lagging behind the Sensex, particularly with a year-to-date return of -28.08% compared to the Sensex's 8.16%, the underlyi..."
      }
    ],
    "total": 301,
    "sid": "10039448",
    "stock_news_url": "https://www.marketsmojo.com/news/usha-financial-services-10039448"
  },
  "announcements": "",
  "corporate_actions": [
    {
      "img": "board-meeting.svg",
      "title": "BOARD MEETING",
      "msg": "<span>No</span> Upcoming Board Meetings",
      "data": []
    },
    {
      "img": "dividend.svg",
      "title": "DIVIDEND",
      "msg": "No <strong>Dividend</strong> history available",
      "data": []
    },
    {
      "img": "splits.svg",
      "title": "SPLITS",
      "msg": "No <strong>Splits</strong> history available",
      "data": []
    },
    {
      "img": "bonus.svg",
      "title": "BONUS",
      "msg": "",
      "data": [
        {
          "txt": "Usha Financial Services Ltd has announced <strong>1:1</strong> bonus issue, ex-date: 19 Aug 25",
          "dt": "2025-08-19",
          "middle_text": "Bonus Alert"
        }
      ]
    },
    {
      "img": "rights-issues.svg",
      "title": "RIGHTS",
      "msg": "No <strong>Rights</strong> history available",
      "data": []
    }
  ]
}

News and Views

Why is Usha Financial falling/rising?

2025-11-22 01:38:21

Persistent Downtrend Against Market Benchmarks

Usha Financial’s recent price movement is part of a longer-term trend of underperformance. Over the past week, the stock has declined by 5.65%, while the Sensex, a key market benchmark, has advanced by 0.61%. This divergence has widened over the past month, with Usha Financial falling 9.35% compared to the Sensex’s modest 0.77% gain. The year-to-date figures further highlight the stock’s struggles, showing a steep 34.58% loss against the Sensex’s 10.25% rise. Over the last year, the stock’s decline deepened to 36.62%, whereas the Sensex appreciated by 11.64%. These figures underscore a persistent negative sentiment surrounding Usha Financial, contrasting sharply with the broader market’s positive trajectory.

Techni...

Read full news article

Is Usha Financial overvalued or undervalued?

2025-11-21 08:50:02

Valuation Metrics Indicate Undervaluation

At a current price of ₹41.00, Usha Financial trades at a price-to-earnings (PE) ratio of approximately 12.9, which is markedly lower than prominent competitors such as Bajaj Finance and Bajaj Finserv, whose PE ratios exceed 30. The price-to-book (P/B) ratio of 0.82 further suggests the stock is trading below its net asset value, a classic indicator of undervaluation in the financial sector. Additionally, the enterprise value to EBITDA (EV/EBITDA) multiple stands near 19.5, which, while higher than some peers, remains reasonable given the company’s asset base and earnings profile.

These valuation multiples collectively underpin the recent upgrade in the company’s valuation grade to “very attractive,” reflecting a market price th...

Read full news article

Is Usha Financial overvalued or undervalued?

2025-11-19 08:10:49

As of 18 November 2025, Usha Financial's valuation grade has moved from very attractive to attractive. The company is currently assessed as undervalued, supported by a PE ratio of 13.75, a price-to-book value of 0.88, and an EV to EBITDA ratio of 20.19. In comparison to its peers, Bajaj Finance is deemed very expensive with a PE ratio of 34.46, while Life Insurance stands out as very attractive with a PE ratio of 11.34. Despite Usha Financial's recent stock performance showing a decline of 27.25% year-to-date compared to a 9.58% gain in the Sensex, the current valuation metrics suggest that the stock presents a buying opportunity. The company's ROCE stands at 4.48% and ROE at 6.37%, indicating potential for improvement relative to its peers, which further supports the undervaluation thesis....

Read full news article

How has been the historical performance of Usha Financial?

2025-11-17 23:27:30

Answer: The historical performance of Usha Financial shows a mixed trend in key financial metrics over the past three years. Breakdown: Usha Financial's net sales decreased from 63.22 Cr in Mar'24 to 59.63 Cr in Mar'25, while total operating income followed the same trend, dropping to 59.63 Cr from 63.22 Cr. The company's total expenditure, excluding depreciation, also decreased to 41.98 Cr in Mar'25 from 46.65 Cr in Mar'24. Operating profit, however, increased to 18.64 Cr in Mar'25 from 17.31 Cr in Mar'24, indicating improved operational efficiency despite lower sales. Profit before tax rose to 18.17 Cr in Mar'25, up from 17.04 Cr in Mar'24, and profit after tax increased to 13.80 Cr from 12.79 Cr in the same period. The company's equity capital significantly increased to 21.74 Cr in Mar'25 from 10.59 Cr in Mar'24, contributing to a rise in total reserves to 189.41 Cr from 95.44 Cr. Cash flow from operati...

Read full news article

How has been the historical performance of Usha Financial?

2025-11-15 00:37:20

Answer: The historical performance of Usha Financial shows a mixed trend in key financial metrics over the past three years. Breakdown: Usha Financial's net sales decreased from 63.22 Cr in Mar'24 to 59.63 Cr in Mar'25, while total operating income remained consistent at 59.63 Cr in Mar'25 compared to 63.22 Cr in Mar'24. The company's total expenditure, excluding depreciation, also declined from 46.65 Cr in Mar'24 to 41.98 Cr in Mar'25. Operating profit (PBDIT) increased from 17.31 Cr in Mar'24 to 18.64 Cr in Mar'25, indicating improved operational efficiency. Profit before tax rose to 18.17 Cr in Mar'25 from 17.04 Cr in Mar'24, and profit after tax increased to 13.80 Cr from 12.79 Cr in the same period. The company's earnings per share (EPS) decreased from 8.05 in Mar'24 to 3.17 in Mar'25, while the PAT margin improved to 23.14% in Mar'25 from 20.23% in Mar'24. On the balance sheet, total assets grew sign...

Read full news article

Is Usha Financial overvalued or undervalued?

2025-11-11 08:14:38

As of 10 November 2025, Usha Financial's valuation grade has moved from attractive to very attractive, indicating a significant positive shift in its valuation outlook. The company is currently assessed as undervalued, with a PE ratio of 13.59, an EV to EBIT ratio of 10.59, and an EV to EBITDA ratio of 10.30. These ratios suggest that Usha Financial is trading at a lower valuation compared to its peers. In comparison to its industry peers, Usha Financial's PE ratio is notably lower than that of Bajaj Finance, which stands at 38.76, and Bajaj Finserv at 35.58, both categorized as very expensive. Additionally, Life Insurance, another peer, is rated very attractive with a PE ratio of 11.14, further reinforcing Usha Financial's favorable valuation position. Despite recent stock performance lagging behind the Sensex, particularly with a year-to-date return of -28.08% compared to the Sensex's 8.16%, the underlyi...

Read full news article

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