Usha Financial

Which are the latest news on Usha Financial?

Why is Usha Financial Services Ltd falling/rising?

As of 05-Sep, Usha Financial Services Ltd's stock price has risen to 54.70, reflecting a 7.25% increase due to strong financial performance and increased investor interest. The stock has outperformed the Sensex significantly, with notable gains over the past week and month.

As of 05-Sep, Usha Financial Services Ltd is experiencing a rise in its stock price, currently at 54.70, reflecting an increase of 3.7 or 7.25%. This upward movement can be attributed to several positive factors. Over the past week, the stock has outperformed the benchmark Sensex, gaining 16.01% compared to the Sensex's decline of 1.15%. Additionally, the stock has shown remarkable performance over the past month, with a 47.84% increase while the Sensex fell by 2.91%.<BR><BR>The company's financial results have also contributed to this positive trend. Usha Financial has reported strong earnings for the last three consecutive quarters, with a profit before tax of Rs 10.73 crore, marking a growth of 41.4% compared to the previous four-quarter average. Furthermore, net sales reached their highest at Rs 20.26 crore, and the profit before depreciation, interest, and tax (PBDIT) also hit a record at Rs 16.65 crore. This impressive financial performance is underscored by a return on equity (ROE) of 9.8 and a favorable price-to-book value ratio of 1, indicating an attractive valuation.<BR><BR>Investor participation has increased significantly, with a delivery volume on 03 Sep rising by 103.13% against the five-day average, suggesting growing interest in the stock. Moreover, Usha Financial is trading above its moving averages across various time frames, which typically signals a bullish trend.<BR><BR>Overall, the combination of strong financial results, increased investor interest, and significant outperformance against market benchmarks has led to the rise in Usha Financial Services Ltd's stock price.

What does Usha Financial do?

Usha Financial Services Ltd is a Non Banking Financial Company (NBFC) established in 1995, recently converted to a Public Limited Company. As of June 2026, it reported net sales of 20 Cr and a net profit of 8 Cr, with a market cap of INR 205 Cr.

Overview: <BR>Usha Financial Services Ltd operates as a Non Banking Financial Company (NBFC) within the micro-cap market segment.<BR><BR>History: <BR>The company was incorporated in 1995 as "Usha Financial Services Private Limited" and later converted to a Public Limited Company on October 12, 2022. The most recent quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 20 Cr (Quarterly Results - Jun 2026) <BR>Most recent Net Profit: 8 Cr (Quarterly Results - Jun 2026) <BR>Market-cap value: INR 205 Cr (Micro Cap) <BR><BR>Key Metrics: <BR>P/E: 8.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.77 <BR>Return on Equity: 9.78% <BR>Price to Book: 0.89 <BR><BR>Contact Details: <BR>Address: Not available <BR>Phone: N/A <BR>Email: N/A <BR>Website: N/A

Who are the peers of the Usha Financial?

Usha Financial's peers include Team India Guar., Landmarc Leisure, Last Mile Entertainment, Indus Finance, Jhaveri Credits, Sangam Finserv, Alacrity Securities, AMPL Capital, Alfred Herbert, and Tilak Ventures. Usha Financial has a 1-year return of 13.73%, outperforming Team India Guar., which has the lowest return at -12.30%.

Peers: The peers of Usha Financial are Team India Guar., Landmarc Leisur., Last Mile Enter., Indus Finance, Jhaveri Credits, Sangam Finserv, Alacrity Sec., AMPL Capital, Alfred Herbert, and Tilak Ventures.<BR><BR>Quality Snapshot: Excellent management risk is observed at Landmarc Leisur., Last Mile Enter., Indus Finance, Jhaveri Credits, Sangam Finserv, Alacrity Sec., AMPL Capital, Alfred Herbert, and Tilak Ventures, while Below Average management risk is found at Team India Guar. and Usha Financial. Growth is rated as Excellent for Last Mile Enter. and AMPL Capital, Good for Usha Financial and Indus Finance, and Average for Jhaveri Credits, while Below Average growth is seen at Team India Guar., Landmarc Leisur., Sangam Finserv, Alacrity Sec., and the rest. Capital Structure is rated Excellent across all peers.<BR><BR>Return Snapshot: Usha Financial has a 1-year return of 13.73%, which is higher than Team India Guar. at -12.30%, the lowest return among peers. The highest 1-year return is from Usha Financial at 13.73%, while the lowest is Team India Guar. at -12.30%. Additionally, several peers, including Landmarc Leisur., Last Mile Enter., Indus Finance, Jhaveri Credits, Sangam Finserv, Alacrity Sec., AMPL Capital, and Tilak Ventures, have a six-month return of 0.00%.

How big is Usha Financial?

As of 31st August, Usha Financial Services Ltd has a market capitalization of 205.00 Cr, with recent Net Sales of 73.49 Cr and a Net Profit of 25.15 Cr. The company reported Shareholder's Funds of 229.68 Cr and Total Assets of 427.57 Cr for the period ending March 2026.

As of 31st August, Usha Financial Services Ltd has a market capitalization of 205.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, Usha Financial reported Net Sales of 73.49 Cr and a Net Profit of 25.15 Cr.<BR><BR>For the reporting period ending March 2026, the company had Shareholder's Funds amounting to 229.68 Cr and Total Assets of 427.57 Cr.

Should I buy, sell or hold Usha Financial Services Ltd?

Are Usha Financial Services Ltd latest results good or bad?

Usha Financial Services Ltd's latest results show a significant year-on-year net profit increase of 568.37% to ₹6.55 crores, but a slight sequential decline of 0.61% raises concerns. Revenue growth is modest at 2.33% year-on-year, with a 10.64% sequential drop, and a low return on equity of 6.17% suggests ongoing challenges, making the overall outlook mixed.

Usha Financial Services Ltd's latest results present a mixed picture. On one hand, the company reported a significant year-on-year increase in net profit, soaring by 568.37% to ₹6.55 crores in Q4 FY26. This impressive growth is primarily due to a very low base from the previous year. However, when looking at the sequential performance, net profit actually declined slightly by 0.61% from the previous quarter.<BR><BR>Revenue for the same quarter was ₹17.14 crores, showing only a modest year-on-year growth of 2.33%. More concerning is the sequential decline of 10.64% from the previous quarter's revenue of ₹19.18 crores. This revenue volatility raises questions about the company's ability to sustain its profitability improvements.<BR><BR>Additionally, the company's return on equity (ROE) stands at a low 6.17%, which is below industry standards for financial services. The persistent revenue fluctuations and weak capital efficiency indicate challenges that could hinder future growth.<BR><BR>Overall, while the net profit growth appears positive, the underlying issues with revenue stability and capital efficiency suggest that the results are not entirely favorable. Investors may want to approach with caution, considering the company's ongoing challenges despite its attractive valuation metrics.

Is Usha Financial overvalued or undervalued?

As of November 20, 2025, Usha Financial is considered very attractive and undervalued with a PE ratio of 12.92, a PEG ratio of 0.00, and competitive ROE and ROCE metrics, despite a year-to-date stock performance lagging behind the Sensex.

As of 20 November 2025, Usha Financial's valuation grade has moved from attractive to very attractive, indicating a significant improvement in its perceived value. The company is currently assessed as undervalued, particularly when considering its PE ratio of 12.92, which is notably lower than peers like Bajaj Finance at 34.97 and Bajaj Finserv at 34.6. Additionally, Usha Financial's EV to EBITDA stands at 19.54, which aligns closely with its own valuation but is less than the higher valuations seen in the market.<BR><BR>In comparison to its peers, Usha Financial's PEG ratio of 0.00 suggests a strong growth potential relative to its price, especially when juxtaposed with Life Insurance's PEG of 0.49. The company's ROE of 6.37% and ROCE of 4.48% are also competitive within the industry, reinforcing its undervalued status. Despite recent stock performance lagging behind the Sensex, with a year-to-date return of -31.67% compared to the Sensex's 10.77%, the underlying fundamentals indicate that Usha Financial presents a compelling investment opportunity at its current price of 41.00.

How has been the historical performance of Usha Financial?

Usha Financial's historical performance shows declining net sales and cash flow over the past three years, but it improved profitability with increased operating profit and equity capital. Despite lower sales, profit before tax and profit after tax both rose, indicating enhanced operational efficiency.

Answer:<BR>The historical performance of Usha Financial shows a mixed trend in key financial metrics over the past three years.<BR><BR>Breakdown:<BR>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 operating activities showed a negative trend, with a cash outflow of 92.00 Cr in Mar'25 compared to an inflow of 71.00 Cr in Mar'24, while cash and cash equivalents at the end of Mar'25 stood at 5.00 Cr, down from 7.00 Cr in Mar'24. Overall, while Usha Financial experienced a decline in sales and cash flow, it managed to improve its profitability and equity position.

What is the bonus history of Usha Financial?

Usha Financial recently announced a 1:1 bonus issue, with an ex-date and record date of August 19, 2025, meaning shareholders will receive one additional share for each share held.

Usha Financial has a recent bonus history that includes a 1:1 bonus issue announced with an ex-date of August 19, 2025. This means that for every share held, shareholders will receive an additional share. The record date for this bonus is also set for August 19, 2025. If you have any more questions about Usha Financial or need further details, feel free to ask!

What is the technical trend for Usha Financial?

As of June 6, 2025, Usha Financial's technical trend is neutral, shifting from mildly bearish to sideways, with no strong signals from MACD, RSI, or OBV, while Bollinger Bands indicate a bearish stance.

As of 6 June 2025, the technical trend for Usha Financial has changed from mildly bearish to sideways. The weekly MACD shows no signal, while the monthly MACD is also not indicated. The RSI on the weekly timeframe has no signal, and the monthly RSI is not provided. Bollinger Bands indicate a bearish stance on the weekly chart, and moving averages are not specified. Dow Theory presents a mildly bearish outlook on the weekly chart and a mildly bullish view on the monthly chart. The On-Balance Volume (OBV) shows no trend in both weekly and monthly analyses. Overall, the current technical stance is neutral, reflecting a lack of strong directional momentum.

Who are the top shareholders of the Usha Financial?

The top shareholders of Usha Financial include promoters with the majority of shares and no pledged holdings, 13 foreign institutional investors holding 5.63%, and individual investors with 12.2%. Specific details on the highest individual shareholder or mutual fund holdings are not available.

The top shareholders of Usha Financial primarily consist of promoters, who hold the majority of the shares. There are no pledged promoter holdings, which indicates a strong commitment from the promoters. Additionally, 13 foreign institutional investors (FIIs) hold a combined 5.63% of the shares. Individual investors also have a notable presence, holding 12.2% of the company's shares. However, there are no specific details on the highest individual shareholder or any mutual fund schemes holding shares in the company.

When is the next results date for Usha Financial?

No Upcoming Board Meetings

Has Usha Financial declared dividend?

No Dividend History Available