Ugro Capital Q1 FY27 Share Price & Earnings Call Analysis
- Market cap
- ₹1,150 Cr
- P/E
- 8.21
- ROE
- 4.64%
- PEG
- 0.20
- Price to sales
- 0.64
- Debt to equity
- 3.24
- 52W high / low
- ₹185 / ₹73.3
- Sales growth (5Y)
- 63.38%
- EBITDA margin
- 60.40%
- Net profit margin
- 6.35%
- Promoter holding
- 2.88%
- Sales (last year)
- ₹1,770 Cr
Guidance scorecard · Q1 FY27 call
What Ugro Capital Ltd's management guided
and where it ranks in Finance
Finance
RevenueQ1 FY27 call
20–40%- AUM expected to remain flat in FY27 with gradual growth in on-balance sheet assets.
- Emerging Market LAP and GROx (Embedded Merchant Finance) platforms targeted to grow at approximately 25% CAGR through FY29.
- The defocused portfolio (Prime business) anticipated to run down at around 20% annually.
- GROx platform demonstrated rapid scaling with 32% quarter-on-quarter AUM growth and 4x portfolio expansion over five quarters.
- Monthly loan disbursement in GROx exceeding 60,000 loans, serving about 3.4 lakh active customers.
- Emphasis on increasing monthly disbursement volumes to INR 75-80 lakh per branch as branches mature (post-12 months).
2 more points from Ugro Capital Ltd's call on revenue
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MarginsQ1 FY27 call
FlatSee what Ugro Capital Ltd said on margins — free account, 30 seconds.
CapexQ1 FY27 call
Planned- UGRO Capital Limited is focused on executing its strategic realignment to create a more focused, recurring, and capital-accretive business.
- Management is raising incremental long-term funding at costs below the average cost of the existing liability book to support growth.
- They are not currently planning to raise equity, aiming to fund growth primarily from profits and disciplined capital management.
- The company is scaling its GROx platform rapidly and expanding its branch network, implying some operational investments in these areas.
2 more points from Ugro Capital Ltd's call on capex
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FundraisingQ1 FY27 call
PlannedSee what Ugro Capital Ltd said on fundraising — free account, 30 seconds.
Order bookQ1 FY27 call
Ask what Ugro Capital Ltd said on the order book →
Full Q1 FY27 analysisRanges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.
Potential multibaggers · Q2 FY27
Potential multibaggers in Finance
on management's own guidance
- Strong growth2
- Strong growth1
- Strong growth3
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
Peers
Finance companies ranked on guidance
| # | Company | Revenue guided | Margin guided | Market cap | P/E |
|---|---|---|---|---|---|
| 1 | 40%+ | Up 2%+ | ₹2,742 Cr | 71.8 | |
| 2 | 40%+ | Up 2%+ | ₹464 Cr | 23.9 | |
| 3 | 40%+ | Up 0–2% | ₹961 Cr | 32.7 | |
| 4 | 40%+ | Flat | ₹23,820 Cr | 21.1 | |
| 5 | 40%+ | Flat | ₹16,498 Cr | 72.4 | |
| 6 | 40%+ | Flat | ₹15,549 Cr | — |
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Pro shows every company guiding 40%+ revenue growth →Full Finance rankingUgro Capital Ltd announcements
All announcements →- Acquisition / mergerNotableUGRO Capital: shareholders, creditors approve Profectus amalgamation scheme
- Fundraise / allotmentNotableUGRO Capital raises INR 380 crore via NCDs fully subscribed by FMO
Financials of Ugro Capital Ltd
Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of Ugro Capital Ltd
Quarterly Results
Quarter-by-quarter operating performance
| Dec 2025 | Mar 2026 | |
|---|---|---|
| Revenue + | 461 | 607 |
| Interest | 247 | 284 |
| Expenses + | 182 | 248 |
| Financing Profit | 32 | 75 |
| Financing Margin % | 7% | 12% |
| Other Income + | 45 | 25 |
| Depreciation | 14 | 29 |
| Profit before tax | 63 | 71 |
| Tax % | 27% | 28% |
| Net Profit + | 46 | 51 |
| EPS in Rs | 2.99 | 3.29 |
| Gross NPA % | ||
| Net NPA % |
Financials of Ugro Capital Ltd
Profit & Loss
Annual income statement trend
| Mar 2026 | |
|---|---|
| Revenue + | 1,960 |
| Interest | 954 |
| Expenses + | 753 |
| Financing Profit | 253 |
| Financing Margin % | 13% |
| Other Income + | 61 |
| Depreciation | 70 |
| Profit before tax | 244 |
| Tax % | 28% |
| Net Profit + | 175 |
| EPS in Rs | 11.26 |
| Dividend Payout % | 0% |
Financials of Ugro Capital Ltd
Balance Sheet
Capital structure and asset base
| Mar 2026 | |
|---|---|
| Equity Capital | 153 |
| Reserves | 2,753 |
| Borrowing | 10,782 |
| Other Liabilities + | 387 |
| Total Liabilities | 14,075 |
| Fixed Assets + | 512 |
| CWIP | 24 |
| Investments | 737 |
| Other Assets + | 12,802 |
| Total Assets | 14,075 |
Financials of Ugro Capital Ltd
Cash Flows
Operating, investing and financing cash movement
| Mar 2026 | |
|---|---|
| Cash from Operating Activity + | 214 |
| Cash from Investing Activity + | -1,964 |
| Cash from Financing Activity + | 2,751 |
| Net Cash Flow | 1,000 |
| Free Cash Flow | 171 |
| CFO/OP | 22% |
Financials of Ugro Capital Ltd
Ratios
Working capital efficiency and return ratios
| Mar 2026 | |
|---|---|
| ROE % | 6% |
Guidance history
How Ugro Capital Ltd's guidance has moved, call by call
| Call | Revenue | Margins | Capex | Fundraising | Order book |
|---|---|---|---|---|---|
| Q1 FY27 call → | 20–40% | Flat | Planned | Planned | — |
| Q4 FY26 call → | 0–10% | Up 0–2% | None planned | None planned | Flat |
| Q3 FY26 call → | 20–40% | Up 0–2% | None planned | None planned | — |
| Q2 FY26 call → | 20–40% | Up 0–2% | Planned | Planned | — |
What management guided on each call, newest first. Not investment advice, and not a forecast of returns.
Momentum score · price trend
3 out of 100 — Cooling
Over the past year its share price has done worse than most of the stocks we track.
| Period | Share price change | Better than … of 1,910 stocks |
|---|---|---|
| Last 12 months | −58.5% | 2% |
| Last 6 months | −32.2% | 6% |
| Last 3 months | −22.3% | 12% |
The price is 77.1% below its all-time high of ₹323.32 (24 Aug 2018). Stocks more than 20% below their peak have their score halved, so 5 became 3.
How we calculate it
“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).
The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Ugro Capital Ltd: 0.4 × 2 + 0.4 × 6 + 0.2 × 12 = 5, halved to 3 because the price is more than 20% below its all-time high.
Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.
Full methodology →This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.
Continue your research
What Ugro Capital Ltd's management said in earlier quarters
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