Ugro Capital Ltd

Ugro Capital Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Ugro Capital Ltd

₹ 231 2.61%
22 Nov - close price
ugrocapital.com BSE: 511742 NSE: UGROCAP
About

U GRO Capital limited is a technology-focused (data-centric & technology-enabled approach), small business lending platform. The company is focused on addressing the capital needs of small businesses operating in select eight sectors by providing customized loan solutions. [1]

Key Points

Product Offerings
The company offers supply chain financing, unsecured business loans, machinery loans, business loans secured by property, new age products, and micro enterprises loans. [1]

Website BSE NSE
  • Market Cap ₹ 2,151 Cr.
  • Current Price ₹ 231
  • High / Low ₹ 317 / 213
  • Stock P/E 16.4
  • Book Value ₹ 211
  • Dividend Yield 0.00 %
  • ROCE 12.2 %
  • ROE 9.85 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.10 times its book value
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 96.0% CAGR over last 5 years
  • Company's median sales growth is 58.2% of last 10 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding is low: 2.23%
  • Company has a low return on equity of 5.52% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

Part of BSE Allcap BSE Financial Services BSE SmallCap

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Quarterly Results

Figures in Rs. Crores

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 62 82 111 117 149 182 209 213 245 268 322 291 330
Interest 27 38 50 53 69 82 90 93 105 117 128 136 143
28 39 51 57 64 81 87 82 99 107 136 113 139
Financing Profit 7 5 10 7 16 19 32 38 41 44 58 43 48
Financing Margin % 11% 6% 9% 6% 11% 11% 15% 18% 17% 16% 18% 15% 15%
1 3 2 5 6 8 8 5 9 12 8 10 13
Depreciation 3 3 4 2 5 5 6 8 9 9 10 10 11
Profit before tax 5 5 8 10 18 22 34 36 41 46 56 43 50
Tax % 28% 33% 24% 29% 70% 41% 58% 29% 29% 30% 42% 29% 29%
3 3 6 7 5 13 14 25 29 33 33 30 36
EPS in Rs 0.48 0.48 0.86 1.04 0.75 1.86 1.99 2.73 3.12 3.51 3.52 3.27 3.82
Gross NPA % 1.70% 1.70% 1.70% 2.46% 1.80% 1.90% 2.00% 2.00% 2.00% 2.10%
Net NPA % 1.20% 1.20% 1.10% 1.31% 1.00% 1.10% 1.10% 1.10% 1.20% 1.30%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 4 6 2 4 2 4 44 105 153 312 684 1,082 1,212
Interest 0 0 0 0 0 0 1 14 45 137 293 443 524
2 1 1 0 0 0 36 81 85 142 289 425 495
Financing Profit 3 5 2 3 2 3 7 11 24 33 101 214 192
Financing Margin % 61% 86% 76% 92% 86% 91% 16% 10% 16% 10% 15% 20% 16%
0 0 0 0 0 0 -4 0 0 0 0 0 42
Depreciation 0 0 0 0 0 0 2 7 12 12 18 35 40
Profit before tax 3 5 2 3 2 3 2 3 12 20 84 179 195
Tax % 34% 30% 7% 14% 2% 8% -155% -488% -137% 28% 53% 33%
2 4 2 3 2 3 4 20 29 15 40 119 131
EPS in Rs 3.58 8.05 3.55 6.36 4.19 6.34 1.69 2.77 4.07 2.06 5.64 12.86 14.12
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 69%
5 Years: 90%
3 Years: 92%
TTM: 43%
Compounded Profit Growth
10 Years: 41%
5 Years: 96%
3 Years: 61%
TTM: 61%
Stock Price CAGR
10 Years: 28%
5 Years: 5%
3 Years: 7%
1 Year: -14%
Return on Equity
10 Years: 4%
5 Years: 5%
3 Years: 6%
Last Year: 10%

Balance Sheet

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 5 5 5 5 5 5 23 71 71 71 69 92 92
Reserves 19 23 25 27 29 32 763 851 882 896 915 1,347 1,866
0 0 0 0 0 0 24 255 766 1,802 3,149 4,653 5,344
0 1 0 0 0 0 58 36 37 86 173 188 207
Total Liabilities 24 28 30 32 34 37 868 1,212 1,755 2,855 4,306 6,280 7,509
0 0 0 0 0 0 20 38 36 56 85 130 141
CWIP 0 0 0 0 0 0 11 1 4 6 14 0 0
Investments 0 26 15 25 26 36 107 73 55 69 60 59 68
24 3 14 8 8 1 731 1,101 1,659 2,724 4,146 6,091 7,300
Total Assets 24 28 30 32 34 37 868 1,212 1,755 2,855 4,306 6,280 7,509

Cash Flows

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-2 24 -10 9 -4 1 -86 -799 -347 -1,125 -1,220 -1,535
3 -26 11 -6 1 -1 -347 179 -46 43 -85 -230
0 0 0 0 0 0 754 308 508 1,023 1,279 1,814
Net Cash Flow 1 -2 0 3 -3 0 321 -312 115 -58 -26 48

Ratios

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 7% 15% 6% 10% 6% 8% 1% 2% 3% 2% 4% 10%

Shareholding Pattern

Numbers in percentages

4 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
2.88% 2.87% 2.87% 2.87% 2.87% 2.87% 2.19% 2.24% 2.24% 2.23% 2.23% 2.23%
5.99% 7.08% 7.76% 7.47% 6.96% 6.95% 21.99% 19.20% 19.77% 19.76% 20.27% 20.44%
2.03% 2.10% 2.03% 2.02% 2.02% 2.02% 5.46% 5.81% 4.46% 3.76% 2.55% 2.76%
89.11% 87.95% 87.34% 87.63% 86.39% 86.40% 69.02% 71.40% 72.19% 72.91% 73.61% 73.25%
0.00% 0.00% 0.00% 0.00% 1.75% 1.75% 1.34% 1.34% 1.34% 1.33% 1.33% 1.33%
No. of Shareholders 8,71410,70310,54011,88711,83912,01014,37619,67722,47828,77340,87238,997

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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