Usha Financial Services Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 53.6%
- Solid return on assets for a lender - ROA of 5.3%
- Latest quarter profit grew 50.3% YoY, showing strong momentum
- Company generates healthy free cash flow
- Attractively priced for its growth - PEG of 0.3
CONS
- Net NPA is elevated at 4.4% - provisioning cushion is thin
- Asset quality is weak - gross NPA at 5.3%
- Though reporting repeated profits, the company pays out little dividend (0.0%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1046.00 | 32.08 | 651234.82 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1038.00 | 21.58 | 244239.69 | 1.04 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1849.10 | 27.46 | 157925.34 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.95 | 28.51 | 154067.52 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 231.15 | 73.86 | 152631.62 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 10971.00 | 13.79 | 122100.11 | 1.78 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2840.00 | 10.03 | 114017.05 | 1.06 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 400.00 | 26.68 | 109501.94 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 311.25 | 24.51 | 78010.22 | 0.88 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 666.00 | 27.86 | 63379.43 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 676.50 | 25.83 | 56201.25 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| USHAFIN | 50.00 | 8.64 | 217.38 | 0.00 | 80.34 | 1403.09 | 202.62 | 1065.89 | 13.54 | 82.18 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Dec 2024 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|
| 16 | 17 | 17 | 19 | 17 | 20 | |
| 4 | 10 | 5 | 4 | 3 | 10 | |
| Operating Profit | 13 | 14 | 12 | 16 | 14 | 17 |
| OPM % | 78.53% | 77.97% | 68.87% | 81.60% | 84.42% | 82.18% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 7 | 6 | 6 | 6 | 5 | 5 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 |
| 6 | 7 | 5 | 9 | 9 | 11 | |
| Tax % | 24.29% | 25.13% | 25.38% | 28.76% | 25.82% | 25.47% |
| Net Profit | 5 | 5 | 4 | 7 | 7 | 8 |
| 1 | 0 | 1 | 2 | 2 | 0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|
| 25 | 46 | 63 | 61 | 71 | 74 | |
| 9 | 11 | 17 | 18 | 16 | 22 | |
| Operating Profit | 16 | 35 | 46 | 43 | 55 | 52 |
| OPM % | 63.82% | 76.26% | 73.14% | 69.74% | 77.90% | 70.75% |
| 0 | 1 | 1 | 0 | 0 | 0 | |
| Interest | 10 | 22 | 30 | 24 | 23 | 23 |
| Depreciation | 0 | 0 | 0 | 1 | 2 | 2 |
| Profit before Tax | 5 | 14 | 17 | 18 | 31 | 34 |
| Tax % | 24.36% | 26.27% | 24.96% | 24.44% | 26.46% | 26.44% |
| Net Profit | 4 | 10 | 13 | 13 | 22 | 25 |
| EPS | 3.51 | 7.42 | 12.08 | 6.14 | 5.17 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 16%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 30%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- 11%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 11%
- 3 Years:
- 11%
- Last Year:
- 10%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Equity Capital | 7 | 9 | 11 | 22 | 43 |
| 41 | 73 | 95 | 187 | 186 | |
| 101 | 229 | 84 | 184 | 175 | |
| Trade Payables | 0 | 1 | 0 | 1 | 1 |
| 15 | 60 | 144 | 32 | 22 | |
| Total Liabilities | 164 | 371 | 335 | 425 | 428 |
| 1 | 0 | 7 | 23 | 23 | |
| Capital Work in Progress | 0 | 0 | 1 | 0 | 0 |
| 2 | 0 | 0 | 0 | 7 | |
| Cash & Bank | 1 | 0 | 8 | 10 | 6 |
| 160 | 371 | 319 | 392 | 392 | |
| Total Assets | 164 | 371 | 335 | 425 | 428 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| -33 | -174 | 71 | -95 | 15 | |
| Cash from Investing | 0 | 2 | -8 | -2 | -8 |
| Cash from Financing | 35 | 175 | -56 | 95 | -11 |
| 0 | -1 | 8 | -2 | -3 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
No announcements filed.
News
Recent coverage and analyst commentary for USHAFIN
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Usha Financial Services Ltd.
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