Arthneeti

Usha Financial Services Share Price & Earnings Call Analysis

₹56.65-1.31% today
Market cap
₹246 Cr
P/E
9.79
ROE
10.25%
PEG
0.32
Price to sales
3.34
Debt to equity
0.77
52W high / low
₹57.5 / ₹27.0
Sales growth (5Y)
22.40%
EBITDA margin
78.99%
Net profit margin
31.58%
Promoter holding
74.97%
Sales (last year)
₹74 Cr

Potential multibaggers · Q2 FY27

This quarter's potential multibaggers
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Usha Financial rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Financials of Usha Financial

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

Usha Financial

Shareholding breakup across reporting periods.

Oct 2024Mar 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +72.32%74.54%74.48%74.97%74.97%74.97%74.97%
FIIs +9.53%5.63%3.56%2.75%2.16%1.98%1.98%
DIIs +3.01%0.61%0.56%0.56%0.56%0.57%0.78%
Public +15.13%19.22%21.40%21.72%22.30%22.48%22.27%
No. of Shareholders3,1901,9871,8371,7641,7391,6911,577

Financials of Usha Financial

Quarterly Results

Quarter-by-quarter operating performance

Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue +13.5816.5616.9417.3816.9319.1817.6320.26
Interest5.546.866.326.055.986.045.315.46
Expenses +2.393.658.703.845.273.523.163.60
Financing Profit5.656.051.927.495.689.629.1611.20
Financing Margin %41.61%36.53%11.33%43.10%33.55%50.16%51.96%55.28%
Other Income +0.000.040.000.040.040.040.060.05
Depreciation0.080.080.310.390.400.400.390.47
Profit before tax5.576.011.617.145.329.268.8310.78
Tax %24.78%24.29%38.51%25.07%25.38%28.83%25.82%25.51%
Net Profit +4.194.550.985.353.986.596.558.03
EPS in Rs1.321.050.231.230.921.521.511.85
Gross NPA %
Net NPA %

Financials of Usha Financial

Profit & Loss

Annual income statement trend

Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +5226254664617174
Interest2011102230242323
Expenses +161091117181616
Financing Profit16561417183236
Financing Margin %31%21%23%30%27%30%45%48%
Other Income +00000000
Depreciation00000122
Profit before tax15551417183134
Tax %26%22%24%26%25%24%26%
Net Profit +11441013132225
EPS in Rs4.023.075.175.80
Dividend Payout %0%0%0%0%0%0%0%

Financials of Usha Financial

Balance Sheet

Capital structure and asset base

Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital6679112243
Reserves3337417395187186
Borrowing1486397248181185176
Other Liabilities +67111943493724
Total Liabilities254117164372336431430
Fixed Assets +111072323
CWIP0000100
Investments0220007
Other Assets +253114161372327408400
Total Assets254117164372336431430

Financials of Usha Financial

Cash Flows

Operating, investing and financing cash movement

Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-27-8-35-17771-9515
Cash from Investing Activity +0-202-8-2-8
Cash from Financing Activity +54-1735175-5695-11
Net Cash Flow28-270-18-2-3
Free Cash Flow-27-8-35-17763-10013

Financials of Usha Financial

Ratios

Working capital efficiency and return ratios

Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %29%9%9%16%13%8%10%