{
  "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": "40.00",
    "chg": -0.15,
    "chgp": "-0.37%",
    "dir": -1,
    "prev_price": "40.15",
    "mcapval": "174.00 Cr",
    "mcap": "Micro Cap",
    "scripcode": "",
    "symbol": "USHAFIN",
    "ind_name": "Non Banking Financial Company (NBFC)",
    "ind_code": 5,
    "indexname": "",
    "isin": "INE0LS001014",
    "curr_date": "Dec 05",
    "curr_time": "",
    "bse_nse_vol": 6400,
    "exc_status": "Active",
    "traded_date": "Dec 05, 2025",
    "traded_date_str": "2025 12 05",
    "score": "",
    "scoreText": "",
    "Live": 0,
    "market_time": 0,
    "is_blur": 1,
    "is_blur_class": "blur-registerF-score-header",
    "is_blur_url": "https://www.marketsmojo.com/mojofeed/register?redirect=/stocks-analysis/usha-financial-10039448-1&utm_source=Spage_Header_Score",
    "mojoone": {
      "ismore": 0
    }
  },
  "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..."
      },
      {
        "title": "Is Usha Financial overvalued or undervalued?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-usha-financial-overvalued-or-undervalued-3684261",
        "imagepath": "",
        "date": "2025-11-10 08:14:42",
        "description": "As of 7 November 2025, Usha Financial's valuation grade has moved from very attractive to attractive, indicating a shift in its perceived value. The company is currently assessed as undervalued, given its PE ratio of 13.59, EV to EBIT of 10.59, and EV to EBITDA of 10.30. In comparison to peers, Bajaj Finance is categorized as very expensive with a PE ratio of 38.09, while Life Insurance stands out as very attractive with a PE of 11.44, highlighting Usha Financial's relative value position in the market.\n\nDespite the recent decline in stock performance, with a year-to-date return of -28.08% compared to the Sensex's 7.81%, the company's fundamentals suggest it remains a compelling investment opportunity. The PEG ratio of 0.00 further emphasizes the potential for growth relative to its price, reinforcing the notion that Usha Financial is undervalued in the current market landscape...."
      },
      {
        "title": "Is Usha Financial overvalued or undervalued?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-usha-financial-overvalued-or-undervalued-3682952",
        "imagepath": "",
        "date": "2025-11-09 08:11:45",
        "description": "As of 7 November 2025, Usha Financial's valuation grade has moved from very attractive to attractive, indicating a shift in its perceived value. The company is currently considered undervalued based on its financial metrics. Key ratios include a PE ratio of 13.59, an EV to EBITDA of 10.30, and a Price to Book Value of 0.89, which suggest that the stock is trading below its intrinsic value compared to its earnings and assets.\n\nIn comparison to peers, Usha Financial's PE ratio of 13.59 is significantly lower than Bajaj Finance's 38.09 and Bajaj Finserv's 35.3, both of which are classified as very expensive. Additionally, Life Insurance, which is very attractive, has a PE ratio of 11.44, further highlighting Usha Financial's relative undervaluation within the industry. Despite recent underperformance, with a year-to-date return of -28.08% compared to the Sensex's 7.81%, the company's fundamentals suggest it ma..."
      },
      {
        "title": "Is Usha Financial overvalued or undervalued?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/is-usha-financial-overvalued-or-undervalued-3681945",
        "imagepath": "",
        "date": "2025-11-08 08:11:42",
        "description": "As of 7 November 2025, Usha Financial's valuation grade has moved from very attractive to attractive, indicating a shift in perception regarding its investment potential. The company is currently assessed as undervalued, particularly when considering its PE ratio of 13.59, EV to EBITDA of 10.30, and ROCE of 8.36%. In comparison to peers, Bajaj Finance is deemed very expensive with a PE ratio of 38.09, while Life Insurance is very attractive with a PE of 11.44, highlighting Usha Financial's relative value in the market.\n\nDespite its current undervaluation, Usha Financial has faced significant stock declines, with a year-to-date return of -28.08%, contrasting sharply with the Sensex's gain of 7.81%. This performance underscores the potential for recovery and growth, especially given its attractive valuation metrics compared to its peers in the non-banking financial company sector...."
      }
    ],
    "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 More

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 More

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 More

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 More

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 More

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 More

Is Usha Financial overvalued or undervalued?

2025-11-10 08:14:42

As of 7 November 2025, Usha Financial's valuation grade has moved from very attractive to attractive, indicating a shift in its perceived value. The company is currently assessed as undervalued, given its PE ratio of 13.59, EV to EBIT of 10.59, and EV to EBITDA of 10.30. In comparison to peers, Bajaj Finance is categorized as very expensive with a PE ratio of 38.09, while Life Insurance stands out as very attractive with a PE of 11.44, highlighting Usha Financial's relative value position in the market. Despite the recent decline in stock performance, with a year-to-date return of -28.08% compared to the Sensex's 7.81%, the company's fundamentals suggest it remains a compelling investment opportunity. The PEG ratio of 0.00 further emphasizes the potential for growth relative to its price, reinforcing the notion that Usha Financial is undervalued in the current market landscape....

Read More

Is Usha Financial overvalued or undervalued?

2025-11-09 08:11:45

As of 7 November 2025, Usha Financial's valuation grade has moved from very attractive to attractive, indicating a shift in its perceived value. The company is currently considered undervalued based on its financial metrics. Key ratios include a PE ratio of 13.59, an EV to EBITDA of 10.30, and a Price to Book Value of 0.89, which suggest that the stock is trading below its intrinsic value compared to its earnings and assets. In comparison to peers, Usha Financial's PE ratio of 13.59 is significantly lower than Bajaj Finance's 38.09 and Bajaj Finserv's 35.3, both of which are classified as very expensive. Additionally, Life Insurance, which is very attractive, has a PE ratio of 11.44, further highlighting Usha Financial's relative undervaluation within the industry. Despite recent underperformance, with a year-to-date return of -28.08% compared to the Sensex's 7.81%, the company's fundamentals suggest it ma...

Read More

Is Usha Financial overvalued or undervalued?

2025-11-08 08:11:42

As of 7 November 2025, Usha Financial's valuation grade has moved from very attractive to attractive, indicating a shift in perception regarding its investment potential. The company is currently assessed as undervalued, particularly when considering its PE ratio of 13.59, EV to EBITDA of 10.30, and ROCE of 8.36%. In comparison to peers, Bajaj Finance is deemed very expensive with a PE ratio of 38.09, while Life Insurance is very attractive with a PE of 11.44, highlighting Usha Financial's relative value in the market. Despite its current undervaluation, Usha Financial has faced significant stock declines, with a year-to-date return of -28.08%, contrasting sharply with the Sensex's gain of 7.81%. This performance underscores the potential for recovery and growth, especially given its attractive valuation metrics compared to its peers in the non-banking financial company sector....

Read More

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