Usha Financial

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

Who are the peers of the Usha Financial?

Usha Financial's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, and others. Management risk varies from excellent to below average among peers, with J A Finance showing the highest 1-year return at 412.35%, while Usha Financial's return is 0.00%.

Peers: The peers of Usha Financial are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Maha Rashtra Apx, PMC Fincorp, Capital Trust, J A Finance, Optimus Finance.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, while Average management risk is found at Jio Financial, Maha Rashtra Apx, Capital Trust, and the rest. Good management risk is noted at Shriram Finance, while Below Average management risk is seen at PMC Fincorp, J A Finance, and Optimus Finance. Growth is Excellent for Jio Financial and Optimus Finance, Good for Bajaj Finance, Cholaman.Inv.&Fn, Shriram Finance, and the rest, while Average growth is noted at Usha Financial, Muthoot Finance, Maha Rashtra Apx, and Below Average growth is seen at Capital Trust, J A Finance. Capital Structure is Excellent for Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, Maha Rashtra Apx, PMC Fincorp, and Optimus Finance, while Good is noted for Cholaman.Inv.&Fn, and the rest have Below Average.<BR><BR>Return Snapshot: J A Finance has the highest 1-year return at 412.35%, while PMC Fincorp has the lowest at -37.13%, and Usha Financial's 1-year return is 0.00%, which is significantly lower than both. Additionally, Maha Rashtra Apx, PMC Fincorp, and Capital Trust have negative six-month returns.

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.

What does Usha Financial do?

Usha Financial Services Ltd is a Non Banking Financial Company (NBFC) established in 1995, currently valued at INR 227 Cr in the Micro Cap market. It has a P/E ratio of 16.00 and a return on equity of 13.02%, with no recent sales or profit data reported.

Overview:<BR>Usha Financial Services Ltd operates as a Non Banking Financial Company (NBFC) within the Micro Cap market-cap bracket.<BR><BR>History:<BR>The company was incorporated in 1995 as "Usha Financial Services Private Limited" and later converted to a Public Limited Company, changing its name to "Usha Financial Services Limited" on October 12, 2022. There is no recent sales or profit data reported.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: N/A<BR>Most recent Net Profit: N/A<BR>Market-cap value: INR 227 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 16.00<BR>Industry P/E: 23<BR>Dividend Yield: 0.00%<BR>Debt-Equity: 0.00<BR>Return on Equity: 13.02%<BR>Price-to-Book: 2.14<BR><BR>Contact Details:<BR>Registrar Address: Not available.

How big is Usha Financial?

As of 23rd July, Usha Financial Services Ltd has a market capitalization of 215.00 Cr, classifying it as a Micro Cap company. Recent financial data for Net Sales and Net Profit is unavailable, with Shareholder's Funds at 106.03 Cr and Total Assets at 334.97 Cr as of March 2024.

As of 23rd July, <BR><BR>Market Cap: Usha Financial Services Ltd has a market capitalization of 215.00 Cr, categorizing it as a Micro Cap company.<BR><BR>Recent Quarterly Performance: There is no valid financial data available for Net Sales and Net Profit for the latest 4 quarters.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2024, with Shareholder's Funds amounting to 106.03 Cr and Total Assets totaling 334.97 Cr.

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!

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.

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.

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

Why is Usha Financial Services Ltd falling/rising?

As of 08-May, Usha Financial Services Ltd's stock price is at 31.35, down 0.95%, and has significantly underperformed the Sensex, declining 21.62% year-to-date compared to the Sensex's 7.48% drop. Despite increased investor participation, the stock continues to trend downward, remaining below several key moving averages.

As of 08-May, Usha Financial Services Ltd's stock price is currently at 31.35, reflecting a decrease of 0.3, or 0.95%. The stock has underperformed compared to the benchmark Sensex, which has gained 0.74% over the past week, while Usha Financial Services Ltd has declined by 1.42%. Over the past month, the stock has fallen by 4.57%, contrasting with a modest increase of 0.75% in the Sensex.<BR><BR>Year-to-date, the stock has experienced a significant drop of 21.62%, while the Sensex has only decreased by 7.48%. This trend continues over a one-year period, where Usha Financial Services Ltd has declined by 21.67%, compared to a slight decrease of 0.40% in the Sensex. The stock's performance over longer periods is also unfavorable, with no data available for the 3-year and 5-year periods, but the Sensex has shown gains of 32.37% and 63.10%, respectively.<BR><BR>Despite a rise in investor participation, as indicated by an 84.21% increase in delivery volume on May 7 compared to the 5-day average, the stock's price continues to fall. Additionally, while the stock is trading above its 5-day and 50-day moving averages, it remains below its 20-day, 100-day, and 200-day moving averages, suggesting a bearish trend. Overall, the combination of poor stock performance relative to the benchmark and the significant year-to-date decline contributes to the current downward movement in Usha Financial Services Ltd's stock price.

Which are the latest news on Usha Financial?