Overview

Detailed Summary

Usha Financial Services Limited is a non-banking finance company (NBFC) specializing in lending solutions for fellow NBFCs, corporates, MSMEs, and individual clients. It places a notable emphasis on financial services for women entrepreneurs and electric vehicle (EV) financing.
Originally a private entity, Usha Financial transformed into a public company as of October 2022, highlighting its intent for broader market engagement.
The company is actively proposing a fresh issue with the offering of 58,60,000 equity shares, suggesting plans for capital enhancement.
Strategically, Usha Financial has tailored its services, including EV financing, addressing rising market demands within this new technology vertical.

Sector: Finance
Industry: NBFC-Others
Market Cap: 124 Cr
Volatility: Low Risk
P/E Ratio: 3.8
Industry P/E: 28.3
PEG Ratio: 0.1
P/B Ratio: 0.6
52W High: 53.83
52W Low: 24.33

Sales CAGR

1Y: -5.13%
3Y: 33.73%
5Y: 3.25%
10Y: —

Profit CAGR

1Y: 7.90%
3Y: 56.80%
5Y: 4.24%
10Y: —

ROE

TTM: 12.66%
3Y: 9.21%
5Y: 9.13%
10Y: —

ROCE

TTM: 18.85%
3Y: 17.48%
5Y: 17.41%
10Y: —

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
PMCFIN	1.86	132 Cr	16.91	0.75	0.54	6.05	7.66	3.23
MANGIND	0.92	131 Cr	-92.00	1.71	0.73	4.24	6.88	2.74
RAJATH	6.55	131 Cr	-14.24	7.65	0.00	-17.41	-8.51	-8.49
GARNETINT	63.45	125 Cr	27.12	2.98	0.00	10.26	10.08	10.32
USHAFIN	28.50	124 Cr	3.79	0.57	0.00	12.66	18.85	4.30
IBLFL	48.00	119 Cr	22.64	2.20	0.00	—	—	0.00
KIFS	108.00	117 Cr	12.60	1.98	1.39	14.74	10.79	3.09

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Sep 2024	Dec 2024	Jun 2025	Sep 2025	Dec 2025
Revenue	14	17	17	17	19
Expenses	2.39	3.65	3.84	5.27	3.53
Interest	5.54	6.86	6.05	5.98	6.04
Financing Profit	5.65	6.05	7.49	5.69	9.61
Financing Margin %	41.61	36.53	43.10	33.59	50.10
Other Income	0.00	0.04	0.04	0.04	0.04
Depreciation	0.08	0.08	0.39	0.40	0.40
Profit Before Tax	5.57	6.01	7.14	5.32	9.25
Tax %	24.78	24.29	25.07	25.38	28.76
Net Profit	4.19	4.55	5.35	3.98	6.59
EPS in Rs	—	—	—	0.91	1.52
Gross NPA %	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Revenue	51	25	25	46	63	60
Expenses	16	9.74	9.67	11	16	18
Interest	20	11	10	22	30	24
Financing Profit	15	4.87	4.83	13	17	18
Financing Margin %	29.56	19.18	19.39	29.50	27.29	29.59
Other Income	0.71	0.50	0.29	0.56	0.74	0.99
Depreciation	0.50	0.46	0.32	0.23	0.27	0.47
Profit Before Tax	15	4.91	4.80	14	18	18
Tax %	378.72	465.77	393.76	380.59	414.63	415.89
Net Profit	11	3.86	3.58	10	13	14
EPS in Rs	—	—	—	—	—	—
Dividend Payout %	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	5.95	6.35	6.58	9.42	16	22
Reserves	33	37	42	73	90	189
Borrowings	49	63	97	248	181	185
Other Liabilities	166	11	19	43	49	44
Total Liabilities	254	117	165	372	336	440
Fixed Assets	1.37	0.97	0.69	0.49	7.21	14
CWIP	0.00	0.00	0.00	0.00	1.47	0.00
Investments	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	253	116	164	372	327	427
Total Assets	254	117	165	372	336	440

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-27	-8.10	-36	-177	71	-93
Cash from Investing Activity	0.10	-2.20	0.25	1.78	-8.06	-4.17
Cash from Financing Activity	54	-17	35	175	-56	95
Net Cash Flow	28	-27	-0.22	-0.86	7.68	-2.03

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jul 2024	Oct 2024	Mar 2025	Aug 2025	Sep 2025	Dec 2025
Promoters	98.86%	72.32%	74.54%	74.48%	74.48%	74.97%
FIIs	0.00%	9.53%	5.63%	3.56%	3.56%	2.75%
DIIs	0.00%	3.01%	0.61%	0.56%	0.56%	0.56%
Public	1.14%	15.13%	19.22%	21.40%	21.40%	21.72%
Total Shareholders	47	3,190	1,987	1,862	1,837	1,764

Market Transactions

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Frequently Asked Questions about Usha Financial Services Ltd

Usha Financial Services Ltd (USHAFIN) is currently trading at 27.75 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.

Usha Financial Services Limited is a non-banking finance company (NBFC) specializing in lending solutions for fellow NBFCs, corporates, MSMEs, and individual clients. It places a notable emphasis on financial services for women entrepreneurs and electric vehicle (EV) financing. Originally a private entity, Usha Financial transformed into a public company as of October 2022, highlighting its intent for broader market engagement. The company is actively proposing a fresh issue with the offering of 58,60,000 equity shares, suggesting plans for capital enhancement. Strategically, Usha Financial has tailored its services, including EV financing, addressing rising market demands within this new technology vertical.

Over the past 52 weeks, Usha Financial Services Ltd has traded between a low of ₹24.33 and a high of ₹53.83. 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.

Usha Financial Services Ltd has a market capitalization of approximately 123.90. 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.

Usha Financial Services Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 3.79 and operates in the Finance sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 123.90 Cr, Usha Financial Services 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.

Usha Financial Services Ltd operates in the Finance 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 Usha Financial Services Ltd is 3.79. 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.

Usha Financial Services Ltd

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Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

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Frequently Asked Questions about Usha Financial Services Ltd

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Frequently Asked Questions about Usha Financial Services Ltd

What is Usha Financial Services Ltd share price today?

What does Usha Financial Services Ltd do?

What is the 52-week high and low of Usha Financial Services Ltd?

What is the market capitalization of Usha Financial Services Ltd?

Should I consider investing in Usha Financial Services Ltd stock?

Is Usha Financial Services Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does Usha Financial Services Ltd belong to and why does it matter?

What is the PE ratio of Usha Financial Services Ltd?

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