Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of Usha Financial
Quarter-by-quarter operating performance
| Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Revenue + | 13.58 | 16.56 | 16.94 | 17.38 | 16.93 | 19.18 | 17.63 |
| Interest | 5.54 | 6.86 | 6.32 | 6.05 | 5.98 | 6.04 | 5.31 |
| Expenses + | 2.39 | 3.65 | 8.70 | 3.84 | 5.27 | 3.52 | 3.16 |
| Financing Profit | 5.65 | 6.05 | 1.92 | 7.49 | 5.68 | 9.62 | 9.16 |
| Financing Margin % | 41.61% | 36.53% | 11.33% | 43.10% | 33.55% | 50.16% | 51.96% |
| Other Income + | 0.00 | 0.04 | 0.00 | 0.04 | 0.04 | 0.04 | 0.06 |
| Depreciation | 0.08 | 0.08 | 0.31 | 0.39 | 0.40 | 0.40 | 0.39 |
| Profit before tax | 5.57 | 6.01 | 1.61 | 7.14 | 5.32 | 9.26 | 8.83 |
| Tax % | 24.78% | 24.29% | 38.51% | 25.07% | 25.38% | 28.83% | 25.82% |
| Net Profit + | 4.19 | 4.55 | 0.98 | 5.35 | 3.98 | 6.59 | 6.55 |
| EPS in Rs | 1.32 | 1.05 | 0.23 | 1.23 | 0.92 | 1.52 | 1.51 |
| Gross NPA % | |||||||
| Net NPA % |
Financials of Usha Financial
Annual income statement trend
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Revenue + | 52 | 26 | 25 | 46 | 64 | 61 | 71 |
| Interest | 20 | 11 | 10 | 22 | 30 | 24 | 23 |
| Expenses + | 16 | 10 | 9 | 11 | 17 | 18 | 16 |
| Financing Profit | 16 | 5 | 6 | 14 | 17 | 19 | 32 |
| Financing Margin % | 31% | 21% | 23% | 30% | 27% | 31% | 45% |
| Other Income + | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 2 |
| Profit before tax | 15 | 5 | 5 | 14 | 17 | 18 | 31 |
| Tax % | 26% | 22% | 24% | 26% | 25% | 24% | 26% |
| Net Profit + | 11 | 4 | 4 | 10 | 13 | 14 | 22 |
| EPS in Rs | 6.03 | 3.17 | 5.17 | ||||
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Financials of Usha Financial
Capital structure and asset base
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 6 | 6 | 7 | 9 | 11 | 22 | 43 |
| Reserves | 33 | 37 | 41 | 73 | 95 | 189 | 186 |
| Borrowing | 148 | 63 | 97 | 248 | 181 | 185 | 176 |
| Other Liabilities + | 67 | 11 | 19 | 43 | 49 | 44 | 24 |
| Total Liabilities | 254 | 117 | 164 | 372 | 336 | 440 | 430 |
| Fixed Assets + | 1 | 1 | 1 | 0 | 7 | 14 | 23 |
| CWIP | 0 | 0 | 0 | 0 | 1 | 0 | 0 |
| Investments | 0 | 2 | 2 | 0 | 0 | 0 | 7 |
| Other Assets + | 253 | 114 | 161 | 372 | 327 | 427 | 400 |
| Total Assets | 254 | 117 | 164 | 372 | 336 | 440 | 430 |
Financials of Usha Financial
Operating, investing and financing cash movement
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -27 | -8 | -35 | -177 | 71 | -93 | 15 |
| Cash from Investing Activity + | 0 | -2 | 0 | 2 | -8 | -4 | -8 |
| Cash from Financing Activity + | 54 | -17 | 35 | 175 | -56 | 95 | -11 |
| Net Cash Flow | 28 | -27 | 0 | -1 | 8 | -2 | -3 |
| Free Cash Flow | -27 | -8 | -35 | -177 | 63 | -98 | 13 |
| CFO/OP | -70% | -43% | -205% | -492% | 162% | -205% | 39% |
Financials of Usha Financial
Working capital efficiency and return ratios
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| ROE % | 29% | 9% | 9% | 16% | 13% | 9% | 10% |
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