Usha Financial

Why is Usha Financial Services Ltd falling/rising?

As of 27-Jun, Usha Financial Services Ltd's stock price is at 33.45, unchanged. Despite recent positive quarterly results, the stock has significantly declined over the year, reflecting weak long-term fundamentals and decreasing institutional investor interest.

As of 27-Jun, Usha Financial Services Ltd's stock price is currently at 33.45, showing no change (0.00%). Despite outperforming its sector by 0.54% today, the stock has experienced a significant decline over various time periods, with a year-to-date drop of 16.37% and a one-year decline of 21.34%. <BR><BR>The company's recent performance indicates a mixed picture. On one hand, it has reported positive results for the last two consecutive quarters, with a profit after tax (PAT) of Rs 13.14 crore, reflecting a growth of 137.61%. Additionally, the company has a relatively attractive valuation with a price-to-book value of 0.7 and a PEG ratio of 0.1, suggesting that its profits have risen by 68% over the past year despite the stock's poor performance.<BR><BR>However, there are significant negative factors contributing to the stock's decline. The long-term fundamental strength appears weak, evidenced by an average return on equity (ROE) of only 6.32%. Furthermore, there has been a noticeable decrease in institutional investor participation, with a reduction of 0.58% in their stake over the previous quarter, indicating a lack of confidence from these investors who typically have more resources to analyze company fundamentals.<BR><BR>Additionally, the stock's performance has been below par both in the near term and long term, underperforming the BSE500 index over the last three years, one year, and three months. The falling delivery volume, which has decreased by 80.39% against the five-day average, further suggests waning investor interest.<BR><BR>In summary, while Usha Financial Services Ltd has shown some positive financial results, the overall sentiment is negative due to weak long-term fundamentals, declining institutional interest, and poor stock performance relative to benchmarks, leading to a falling stock price.

Which are the latest news on Usha Financial?

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

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 March 2026, it reported net sales of 17 Cr and a net profit of 7 Cr, with a market cap of INR 158 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 latest quarterly results report net sales and net profit for the period ending March 2026.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 17 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 7 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 158 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 7.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.80 <BR>Return on Equity: 10.37% <BR>Price-to-Book: 0.73 <BR><BR>Contact Details: <BR>No Company Details Available <BR>Registrar Address: Not available.

How big is Usha Financial?

As of 10th June, Usha Financial Services Ltd has a market capitalization of 158.00 Cr, with recent net sales of 70.51 Cr and a net profit of 22.47 Cr. The balance sheet for March 2025 shows shareholder's funds of 211.15 Cr and total assets of 438.52 Cr.

As of 10th June, Usha Financial Services Ltd has a market capitalization of 158.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, Usha Financial reported Net Sales of 70.51 Cr and a Net Profit of 22.47 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, showing Shareholder's Funds of 211.15 Cr and Total Assets of 438.52 Cr.

Who are the peers of the Usha Financial?

Usha Financial's peers include Beacon Trust, Baid Finserv, Paul Merchants, Jhaveri Credits, and others. Usha Financial has good management risk and growth, with a 1-year return of -1.60%, better than Baid Finserv's -19.32% but worse than Beacon Trust's 46.98%.

Peers: The peers of Usha Financial are Beacon Trust., Baid Finserv, Paul Merchants, Available Fin., Jhaveri Credits, Supra Pacific, Credent Global, Sakthi Finance, and Tilak Ventures.<BR><BR>Quality Snapshot: Excellent management risk is observed at Beacon Trust. and Credent Global, while Good management risk is found at Usha Financial. Below Average management risk is present at Baid Finserv, Paul Merchants, Jhaveri Credits, Sakthi Finance, and Tilak Ventures, and the rest. Available Fin. does not qualify for management risk. Growth is Good at Usha Financial and Beacon Trust., Excellent at Supra Pacific and Credent Global, Average at Jhaveri Credits, and Below Average at Baid Finserv, Paul Merchants, and Sakthi Finance, and the rest. Available Fin. does not qualify for growth. Capital Structure is Excellent at Usha Financial, Beacon Trust., Baid Finserv, Paul Merchants, Jhaveri Credits, Supra Pacific, Credent Global, and Tilak Ventures, while Good is observed at Sakthi Finance.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Beacon Trust. at 46.98%, while Baid Finserv has the lowest at -19.32%. Usha Financial's 1-year return is -1.60%, which is better than Baid Finserv but worse than Beacon Trust. Additionally, Baid Finserv, Paul Merchants, and Sakthi Finance have negative six-month returns.

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