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Usha Financial Services

USHAFIN
Micro Cap
(%) 1D
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1D1W1M3M6M1YMAX

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Usha Financial Services Share price and Fundamental Analysis

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Usha Financial Services Limited was incorporated as a Private Limited Company in the name and style of 'Usha Financial Services Private Limited' issued by the Registrar of Companies, Delhi dated May 16, 1995. Further, Company converted into a Public Limited Company and the name changed from 'Usha Financial Services Private Limited' to 'Usha Financial Services Limited' & Registrar of Companies, Delhi issued a new Certificate of Incorporation upon conversion dated October 12, 2022.
Company Incorporation1995
ChairmanNA
Head QuartersNA
Previous NameNA

Key Metrics

Market Cap (Cr)
175.97
PE Ratio
12.75
Industry P/E
31.37
PEG Ratio
0
ROE
6.54%
ROCE
10.41%
ROA
3.14%
Total Debt (Cr)
Debt to Equity
Dividend Yield
0%
EPS
6.35
Book Value & P/B
97.13 x 0.83
Face Value
10
Outstanding Shares(Cr)
2.17
Current Ratio
EV to Sales
5.95

Stock Returns

1 Week-2.7%
1 Month+5.61%
6 Months-32.91%
1 Year-48.06%
3 Years-48.06%
5 Years-48.06%
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Corporate Action

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Financials

Half Yearly Statement

PARTICULARS

Total Revenue

Total Expenses

Operating Expense

Operating Profit

Interest

Depreciation & Amortization

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Tax

Profit after tax

Adj EPS in Rs - Basic

Adj EPS in Rs - Diluted

Profit and Loss Statement

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Auditor Report
Mar 25

Promoters : 74.54%

FIIs : 5.63%

DIIs : 0.05%

Public : 19.79%

Promoter
FII/FPI
DII
Public
Promoter Pledge stands at 0.0% of holding in March 2025 Qtr
Promoter Shareholding Increased by 2.21% to 74.54% in March 2025 Qtr
DII Shareholding Increased by 0.05% to 0.05% in March 2025 Qtr
FII Shareholding Decreased by 3.9% to 5.63% in March 2025 Qtr

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Key Ratios

Profitability
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ROE

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ROCE

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ROA

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Dividend History

Usha Financial Services Competitors

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Usha Financial Services Management and History

Company Management

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Company History

Usha Financial Services Limited was incorporated as a Private Limited Company in the name and style of 'Usha Financial Services Private Limited' issued by the Registrar of Companies, Delhi dated May 16, 1995. Further, Company converted into a Public Limited Company and the name changed from 'Usha Financial Services Private Limited' to 'Usha Financial Services Limited' & Registrar of Companies, Delhi issued a new Certificate of Incorporation upon conversion dated October 12, 2022.

The initial promoters were Mr. Satya Parkash Gupta and Ms. Usha Gupta. Thereafter, in financial year 2014- 15, Mr. Rajesh Gupta and Mr. Anoop Garg acquired the majority shareholding in the Company. The Company is a non-banking finance company (NBFC) registered with the Reserve Bank of India as a NBFC-ICC (Investment & Credit) - base layer- non-systemically important non-deposit taking NBFC. It provide lending solutions to fellow NBFCs and corporates, MSMEs, and individual, particularly to women entrepreneurs. Their services also extend to Electric vehicle (EV) financing. They provide a diversified range of financial products to individuals, body corporates, NBFCs and MSMEs.

The Company is proposing the Fresh Issue of by issuing 58,60,000 Equity Shares.

Usha Financial Services Share Price

Usha Financial Services share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.

Usha Financial Services Market Cap

Market capitalization of Usha Financial Services indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Usha Financial Services is valued compared to its competitors.

Usha Financial Services PE Ratio

Usha Financial Services PE ratio helps investors understand what is the market value of each stock compared to Usha Financial Services 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.

Usha Financial Services PEG Ratio

The PEG ratio of Usha Financial Services evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.

Usha Financial Services ROE (Return on Equity)

Return on Equity (ROE) measures how effectively Usha Financial Services generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.

Usha Financial Services ROCE (Return on Capital Employed)

Return on Capital Employed (ROCE) evaluates the profitability of Usha Financial Services in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.

Usha Financial Services Total Debt

Total debt of Usha Financial Services shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.

Usha Financial Services Debt to Equity Ratio

The Debt-to-Equity (DE) ratio of Usha Financial Services compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.

Usha Financial Services CAGR (Compound Annual Growth Rate)

CAGR shows the consistent growth rate of Usha Financial Services over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.

Usha Financial Services Technical Analysis

Technical analysis of Usha Financial Services helps investors get an insight into when they can enter or exit the stock. Key components of Usha Financial Services Technical Analysis include:

Support Levels (S1, S2, S3)

There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.

Resistance Levels (R1, R2, R3)

There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Usha Financial Services shares often struggle to rise above due to selling pressure.

Usha Financial Services Dividends

Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Usha Financial Services ’s financial health and profitability.

Usha Financial Services Bonus Shares

Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.

Usha Financial Services Stock Split

Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.

Usha Financial Services Financials

The financials of Usha Financial Services provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.

Usha Financial Services Profit and Loss Statements

The profit and loss statement of Usha Financial Services highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Usha Financial Services .

Usha Financial Services Balance Sheet

The balance sheet presents a snapshot of Usha Financial Services ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.

Usha Financial Services Cashflow Statements

Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.

Usha Financial Services Net Interest Margin (NIM)

Usha Financial Services Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.

Usha Financial Services Non-Performing Assets (NPA) Ratio

Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.

Usha Financial Services Capital Adequacy Ratio (CAR)

Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.

Usha Financial Services Gross NPA

Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.

Usha Financial Services Net NPA Ratio

Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.

Usha Financial Services CASA Ratio

CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.