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Discovery themes featuring this stockBearish
4
Neutral
5
Bullish
5
Bearish
29
Neutral
5
Bullish
12
Bearish
25
Neutral
0
Bullish
7
Discovery themes featuring this stock
UGRO Capital is a systemically important NBFC focused on MSME lending, providing secured business loans (small-ticket LAP), embedded merchant finance via the MyShubhLife platform, and other MSME products; the firm has completed acquisitions (Profectus, Data Science Technologies) and runs a pan-India branch network to originate and service loans.
The company announced a strategic realignment on February 7, 2026, pivoting to two focus verticals — Emerging Market LAP and Embedded Merchant Finance — which rose from 32% to 38% of consolidated AUM in one quarter, demonstrating rapid execution of a portfolio-shift target intended to drive annuity-style on-book interest income.
UGRO reported FY26 consolidated Total Income of INR 2,021.1 crore and PAT of INR 174.8 crore, with Q4 PAT of INR 51.1 crore; FY26 consolidated AUM stood at INR 15,334 crore, CRAR improved to 21.2%, and off-book AUM is 38%, underpinning management’s commitment of no incremental equity through FY29.
The company has completed a large operational cost realignment: combined UGRO and Profectus opex base of about INR 750 crore is being rationalized to roughly INR 490+ crore in FY27, with estimated annualized savings of INR 200–220 crore, enabling profit conversion as higher-yield focus verticals scale.
Embedded Merchant Finance has scaled rapidly to INR 2,280 crore AUM with ~250k active customers, average ticket ~INR 1 lakh, daily repayments and API-driven reconciliation, delivering high yields (c.24–26%) and GNPA within underwriting expectations at 1.7% for this portfolio.
Finance
Non Banking Financial Company (NBFC)
1,301 Cr
High Risk
9.3
18.0
0.3
0.5
192.65
80.00
Sales CAGR
Profit CAGR
ROE
ROCE
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
68.49 | 1,520 Cr | 5.41 | 1.06 | 6.28 | 12.39 | 23.93 | 7.99 | ||
84.39 | 1,301 Cr | 9.30 | 0.45 | 0.00 | 6.02 | 8.73 | — | ||
10900.00 | 1,195 Cr | 9.03 | 1.08 | 0.00 | 8.38 | 10.47 | 10.86 | ||
1720.00 | 1,131 Cr | 9.55 | 1.08 | 3.50 | 10.55 | 9.43 | 2.76 | ||
74.20 | 1,040 Cr | 45.64 | 3.01 | 0.00 | 7.55 | 6.99 | 2.38 | ||
351.50 | 1,000 Cr | 28.52 | 0.76 | 0.28 | 3.58 | 4.60 | 1.75 | ||
48.48 | 977 Cr | 11.41 | 1.36 | 0.00 | 10.90 | 10.63 | 10.25 | ||
| Median: 7 Co. | — | 84.39 | 1,131 Cr | 9.55 | 1.08 | 0.00 | 8.38 | 9.43 | 5.38 |
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Ugro Capital Ltd (UGROCAP) is currently trading at 84.39 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
UGRO Capital is a systemically important NBFC focused on MSME lending, providing secured business loans (small-ticket LAP), embedded merchant finance via the MyShubhLife platform, and other MSME products; the firm has completed acquisitions (Profectus, Data Science Technologies) and runs a pan-India branch network to originate and service loans. The company announced a strategic realignment on February 7, 2026, pivoting to two focus verticals — Emerging Market LAP and Embedded Merchant Finance — which rose from 32% to 38% of consolidated AUM in one quarter, demonstrating rapid execution of a portfolio-shift target intended to drive annuity-style on-book interest income. UGRO reported FY26 consolidated Total Income of INR 2,021.1 crore and PAT of INR 174.8 crore, with Q4 PAT of INR 51.1 crore; FY26 consolidated AUM stood at INR 15,334 crore, CRAR improved to 21.2%, and off-book AUM is 38%, underpinning management’s commitment of no incremental equity through FY29. The company has completed a large operational cost realignment: combined UGRO and Profectus opex base of about INR 750 crore is being rationalized to roughly INR 490+ crore in FY27, with estimated annualized savings of INR 200–220 crore, enabling profit conversion as higher-yield focus verticals scale. Embedded Merchant Finance has scaled rapidly to INR 2,280 crore AUM with ~250k active customers, average ticket ~INR 1 lakh, daily repayments and API-driven reconciliation, delivering high yields (c.24–26%) and GNPA within underwriting expectations at 1.7% for this portfolio.
Over the past 52 weeks, Ugro Capital Ltd has traded between a low of ₹80.00 and a high of ₹192.65. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Ugro Capital Ltd has a market capitalization of approximately 1,301.01. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Ugro Capital Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 9.30 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 1,301.01 Cr, Ugro Capital Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Ugro Capital Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Ugro Capital Ltd is 9.30. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
Because some shareholders and creditors do not have registered or available email IDs in the company, depository, or RTA records, so physical letters ensure they can access notices and vote.
They are scheduled on Tuesday, September 22, 2026 and will be held sequentially for equity shareholders (10:30 am), secured creditors (12:15 pm) and unsecured creditors (2:30 pm) IST.
All three meetings are scheduled on Tuesday, September 22, 2026, for equity shareholders (10:30 am IST), secured creditors (12:15 pm IST), and unsecured creditors (2:30 pm IST).
The results are expected in July or August 2026, but the exact date is not officially announced in the provided material.
