UGRO Capital Q1 FY27 Preview: Revenue Seen at Rs 560-630 Cr

UGRO Capital is expected to announce its Q1 FY27 results for the April to June 2026 quarter in July or August 2026, with the exact date yet to be disclosed. Market participants are tracking the print closely because the stock has seen sharp moves over the past year and the company has been reporting steady profitability on a growing asset base.

A Uniresearch preview projects Q1 FY27 revenue in the Rs 560-630 crore range, using Q1 FY26 as the year-on-year comparison base. The same preview pegs Q1 FY27 PAT in the Rs 34-44 crore band, versus Rs 34 crore in Q1 FY26. Separately, an “average” 1-year target estimate shown in the data snapshot is Rs 210, compared with a current price reading of Rs 97.63 on the day the market data was captured.

What investors are watching in the July-August window

The Q1 FY27 results date has not been officially announced in the material provided, and the preview explicitly flags July-August 2026 as the expected window. The article notes that results will be available on the BSE and NSE filing portals after the board meeting.

With the date still “TBD”, investors typically rely on exchange announcements and company filings to confirm the schedule. The preview also frames the event around revenue and PAT expectations, while highlighting catalysts and risks without providing specific trigger events. That makes the results release the key confirmed near-term milestone in the dataset.

Uniresearch estimates: revenue and PAT ranges

The Uniresearch preview provides both a range and a point estimate. It states a Q1 FY27 revenue estimate of Rs 560-630 crore and a PAT estimate of Rs 34-44 crore. It also mentions an internal point projection of revenue at Rs 589 crore, described as +42.3% YoY, and PAT at Rs 39 crore, described as +13.3% YoY.

The base used for this comparison is Q1 FY26 actuals: revenue of Rs 414 crore and PAT of Rs 34 crore, as cited from company filings or consolidated quarterly financial data. The preview also notes that these are trailing-growth projections and “not guaranteed outcomes.”

Recent quarterly context: Q4 FY26 and Q1 FY26 references

The material includes multiple quarterly snapshots that help frame the upcoming quarter. For Q4 FY26, consolidated revenue is shown at Rs 488 crore and PAT at Rs 30 crore in one section, while another highlights pack lists Q4 FY26 PAT at Rs 51 crore, PBT at Rs 71 crore, and Net Total Income at Rs 348 crore alongside AUM and disbursement metrics.

For Q1 FY26, the company-level summary states total income of Rs 421.8 crore (up 40% YoY and 2% QoQ), Net Total Income of Rs 216.5 crore (up 31% YoY), and PAT of Rs 34.1 crore (up 12% YoY). A separate operational disclosure reports Assets Under Management (AUM) of Rs 12,081 crore as of 30 June 2025, reflecting 31% YoY growth, and also mentions total debt of Rs 7,586 crore, CRAR of 22.4%, and off-book share of 42% supported by co-lending and assignment flows.

Operating metrics and portfolio quality indicators

Operationally, the dataset mentions that the Embedded Finance platform surpassed Rs 1,000 crore in AUM and that Q1 disbursements were Rs 582 crore, with contributions from partners such as PhonePe and BharatPe. It also states UGRO reported a disbursement of Rs 1,599 crore in Q1 FY26.

On asset quality, portfolio quality is described as stable with GNPA/NNPA at 2.5%/1.7% on total AUM. These metrics are relevant for a lender-focused business model because they influence credit costs and profitability, though the provided text does not disclose Q1 FY27 credit cost estimates.

Stock and valuation snapshot in the provided data

The market data snapshot shows the stock at Rs 97.63, up Rs 2.18 (2.28%) at the time of capture. It also shows a beta (5Y monthly) of 0.22, a PE ratio (TTM) of 7.41, and diluted EPS (TTM) of 13.18. Another valuation panel lists trailing P/E at 7.24, price-to-sales (TTM) at 0.91, and price-to-book (MRQ) at 0.50.

A separate quote block shows “Today: 98.86” and a 52-week range of Rs 80.00 to Rs 192.65. Another snapshot lists high/low as Rs 196/Rs 83.1 and shows market cap as Rs 1,390 crore and stock P/E as 11.2, illustrating that the dataset pulls from different screens and times. Where there are multiple figures for the same metric, the safest interpretation is to treat them as separate snapshots rather than a single reconciled number.

Key financial metrics converted to a single unit (Rs crore)

The annual valuation panel provides large-number items in “B” and “M”, which are converted here into Rs crore for consistency (1 billion = 100 crore, 1 million = 0.1 crore). It lists market cap at 14.57B (about Rs 1,457 crore) and enterprise value at 98.52B (about Rs 9,852 crore).

On the income statement, revenue (TTM) is shown at 8.57B (about Rs 857 crore) and net income available to common (TTM) at 1.75B (about Rs 175 crore). The balance sheet line item “total cash (MRQ)” is shown at 21.54B (about Rs 2,154 crore), while total debt/equity is listed at 373.98%. Profitability ratios include profit margin at 20.39%, ROA (TTM) at 1.50%, and ROE (TTM) at 7.06%.

Table: Q1 FY27 estimates vs Q1 FY26 actuals

Table: Selected market and profitability indicators from snapshots

Analyst commentary and market performance references

The dataset includes a brokerage-style note with CMP at Rs 166 and a target price of Rs 250, and it describes a “soft quarter” due to seasonality and a deliberate disbursement slowdown amid tightened underwriting norms. It cites PAT of Rs 341 million (about Rs 34.1 crore) and notes an ROA target of about 4% that management expects to deliver in 6-8 quarters. The same note mentions that estimates were revised and the target price was lowered to Rs 250 from Rs 270.

Separately, the market performance panel cites trailing total returns as of 8/3/2026 for UGROCAP.NS and the S&P BSE SENSEX, showing pairs such as 44.19% versus 7.72%, 42.46% versus 2.43%, and 63.88% versus 20.54%, and another SENSEX figure of 46.11% in the truncated display. Since the periods are not labeled in the supplied text, these numbers are best read as comparative trailing return snapshots rather than a single time horizon.

Company details and where results will be posted

The registered office address shown is B-17, Fourth Floor, Art Guild House, Phoenix Market City, Mumbai, Maharashtra 400070, with telephone 022-49194400 and email investorrelations@ugrocapital.com. Another address line appears as C 101, 247 Park, Mumbai 400083. The listing information shows BSE: 511742 and NSE: (symbol context includes UGROCAP.NS).

The preview reiterates that the Q1 FY27 results will appear on the BSE (bseindia.com) and NSE (nseindia.com) filing portals after the board meeting. For investors, these filings are the primary source for audited numbers, management commentary, and any disclosures on AUM, disbursements, and portfolio quality.

Conclusion

UGRO Capital’s Q1 FY27 results, expected in July-August 2026, are being tracked against Uniresearch’s revenue estimate of Rs 560-630 crore and PAT estimate of Rs 34-44 crore, with Q1 FY26 actuals of Rs 414 crore revenue and Rs 34 crore PAT as the stated base. The company’s earlier disclosures on AUM growth, disbursement momentum, and stable GNPA/NNPA provide context, but the next confirmed catalyst is the exchange filing that finalises the quarter’s numbers. Until the board date is announced, investors will likely watch for the official notice on the NSE and BSE portals and then compare reported revenue, profitability, and asset-quality metrics with the stated expectations.