Usha Financial Services Ltd

Usha Financial Services Ltd

₹ 121 -2.26%
22 Nov - close price
About

Incorporated in May 1995, Usha Financial Services Limited is a non-banking finance company providing lending solutions to other NBFCs, corporates, MSMEs, and individuals, particularly women entrepreneurs.[1]

Key Points

Key Borrowers[1]
1. Loans to NBFCs and Corporates: Providing capital to NBFCs for onward lending and to corporates for working capital needs.

  1. Green Financing / Electric Vehicle Financing: Special focus on financing electric vehicles and batteries, promoting sustainable transportation solutions.

  2. MSMEs, Focusing on Small Entrepreneurs: Financial assistance tailored for small and medium enterprises, with a focus on supporting growth, particularly for women entrepreneurs.

  • Market Cap 263 Cr.
  • Current Price 121
  • High / Low 168 / 116
  • Stock P/E 19.7
  • Book Value
  • Dividend Yield 0.00 %
  • ROCE 15.4 %
  • ROE 14.2 %
  • Face Value 10.0

Pros

  • Company has reduced debt.

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.2% 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

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Half Yearly Results

Figures in Rs. Crores

Sep 2024
27
9
Operating Profit 17
OPM % 66%
0
Interest 11
Depreciation 0
Profit before tax 7
Tax % 24%
5
EPS in Rs 3.17
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024
26 25 46 64
10 10 11 16
Operating Profit 16 16 35 48
OPM % 62% 62% 77% 75%
0 0 0 0
Interest 11 10 22 30
Depreciation 0 0 0 0
Profit before tax 5 5 14 18
Tax % 22% 25% 26% 24%
4 4 10 13
EPS in Rs 12.71
Dividend Payout % 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 35%
TTM: 39%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 51%
TTM: 31%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: 13%
Last Year: 14%

Balance Sheet

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 6 7 9 16
Reserves 37 42 73 90
63 97 248 181
11 19 43 49
Total Liabilities 117 165 372 336
1 1 0 7
CWIP 0 0 0 1
Investments 2 2 0 0
114 162 372 327
Total Assets 117 165 372 336

Cash Flows

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024
-8 -36 -177 71
-2 0 2 -8
-17 35 175 -56
Net Cash Flow -27 -0 -1 8

Ratios

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0
Working Capital Days 793 1,556 1,859 1,265
ROCE % 12% 15% 15%

Shareholding Pattern

Numbers in percentages

4 Recently
Oct 2024
72.32%
9.53%
3.01%
15.13%
No. of Shareholders 3,190

* 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.

Click on the line-items to see the names of individual entities.

Documents