Urban Company
Urban Company
RetailKey Fundamentals
SmallcapEcommerceRetailTapetide Score
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Key Insights
Strengths
2- Company is almost debt free.
- Company is expected to give good quarter
Weaknesses
4- Stock is trading at 11.2 times its book value
- Company has low interest coverage ratio.
- Promoter holding is low: 19.0%
- Company has a low return on equity of -1.86% over last 3 years.
Growth Rate
AI Analysis — Bull vs Bear
Urban Company Ltd has a market capitalisation of about ₹24,936 crore and is growing revenue quickly: sales compounded at 44% over 5 years, 35% over 3 years and 39% on a TTM basis. It is still loss-making. The P/E is -75.5, TTM profit growth is -241%, and return on equity was -12% last year and about -1.86% averaged over 3 years. The stock trades at 11.69x book value, the company is almost debt free, and promoter holding is 19.0%.
- Revenue growth has held up over several periods: 5-year sales CAGR of 44%, 3-year CAGR of 35% and TTM growth of 39%. That points to steady demand for its platform rather than a one-off spike.
- The company is described as almost debt free. With no dividend payout (0% yield), its roughly ₹24,936 crore market cap is backed by equity and it does not depend on borrowing to fund growth.
- TTM sales growth of 39% sits between the 3-year (35%) and 5-year (44%) rates, so growth has not slowed sharply at the company's current scale.
- Profit compounded at a positive 8% over 3 years and 1% over 5 years, despite the recent TTM decline. This suggests there were periods of better results in its history.
- The 3-year average ROE of -2% is much less negative than the 5-year figure of -13%, which suggests return metrics have moved toward breakeven over the longer run.
- A market cap of about ₹24,936 crore, with roughly ₹2,130 crore of implied book value (market cap ÷ P/B of 11.69), gives the company a capital base to keep investing in growth.
- The company is flagged as expected to post a good quarter, which could show whether 39% TTM revenue growth is starting to turn into better operating results.
- The P/E of -75.5 means the company is currently loss-making. The implied TTM loss is about ₹330 crore (₹24,936 crore market cap ÷ 75.5), so earnings-based valuation doesn't work yet.
- TTM profit growth of -241% shows a sharp drop in profitability even while sales grew 39%, which raises questions about operating leverage and cost control.
- The stock trades at 11.69x book value (11.8x in another source), a high multiple for a company whose last-year ROE was -12%.
- Return on equity has been negative in every period reported: -12% last year, -1.86% over 3 years and -13% over 5 years. The company has not yet shown it can consistently earn positive returns on shareholder capital.
- Interest coverage is flagged as low. Even with little debt, losses leave little cushion to cover whatever financing costs it has.
- Promoter holding is low at 19.0%, so founders and promoters have a relatively small economic stake.
- Returns and history are limited: 1-year stock return is -2%, 3-year and longer stock returns are unavailable, and 52-week high and low data were not provided (listed as 0). That leaves little public-market track record to judge from.
- The dividend yield is 0%, so shareholder returns depend entirely on capital appreciation while the company remains loss-making.
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
- Bessemer trims stake to 3.42% Sep 25
Bessemer India Capital Holdings II sold a 2.12% stake (25.15 million shares) through open market and block deals between August and September 2026, cutting its holding to 3.42%. Continued selling by early investors could weigh on the stock as a supply overhang.
- Intense InstaHelp competition Sep 16
Snabbit and Pronto compete with Urban Company in the InstaHelp quick home-services category, and UBS acknowledged that near-term dynamics are intense. The stock had also lost 5.4% in the five sessions before the UBS note.
- ₹3.05 Cr GST show-cause notice Sep 29
GST authorities issued a show-cause notice for FY23 alleging incorrect input tax credit and short payment totaling ₹3.05 crore. The company denies any violation, and the amount is immaterial against a market cap of about ₹25,075 crore.
- UBS initiates Buy, ₹180 target Sep 16
UBS started coverage with a Buy rating and a ₹180 target, about 14% above the previous close of ₹158.22. It cited a demand-supply flywheel driven by new users and higher order frequency. The stock rose as much as 4.8% to an intraday high of ₹162.99 on combined NSE and BSE volume of over 8 million shares.
- UBS sees ₹11.3bn FY31 EBITDA Sep 16
UBS projects adjusted EBITDA of ₹11.3 billion by FY31 with a 10% margin and 20%+ growth. It puts the addressable market at ₹2-2.5 trillion and expects InstaHelp to break even sooner than the company's own target. UBS also pointed to improving retention over the past 12 months, a strong balance sheet and a supply head-start over peers.
- Strong YTD price momentum Sep 16
The stock had returned more than 12% over the past month and over 23% year-to-date in 2026. Urban Company also leads in beauty, home decoration and other service categories.
- Investor meetings Sep 14-21 Sep 7
Urban Company scheduled one-on-one meetings with analysts and investors, including Permira and Chikara Investments, between September 14 and 21, 2026.
TL;DR: Urban Company has strong sentiment behind it: UBS started coverage with a Buy and a ₹180 target, and the stock is up 23%+ year-to-date on improving retention and a strong balance sheet. The main risks are Bessemer's ongoing stake sales (down to 3.42%), heavy competition in InstaHelp from Snabbit and Pronto, and a small ₹3.05 crore GST dispute. Fundamentals look to be improving, but further selling by early investors could cap near-term gains. Progress on InstaHelp breakeven and upcoming quarterly unit economics will show whether the stock can re-rate toward the UBS target.
Quarterly Results
| Particulars | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 277 | 288 | 298 | 367 | 380 | 383 | 426 | 528 |
| Expenses | 294 | 290 | 317 | 381 | 459 | 425 | 545 | 626 |
| Operating Profit | -16 | -2 | -19 | -13 | -79 | -42 | -120 | -97 |
| OPM % | -6% | -0.7% | -6% | -3.6% | -21% | -11% | -28% | -18% |
| Other Income | 27 | 30 | 32 | 31 | 33 | 36 | 37 | 33 |
| Interest | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| Depreciation | 10 | 9 | 9 | 10 | 10 | 12 | 14 | 16 |
| PBT | -2 | 16 | 1 | 6 | -59 | -21 | -100 | -84 |
| Tax % | 0% | -1315% | 301% | -23% | 0% | 1% | 61% | 10% |
| Net Profit | -2 | 232 | -3 | 7 | -59 | -21 | -161 | -92 |
| EPS in Rs | -93.43 | 11,871 | -0.06 | 0.14 | -0.41 | -0.15 | -1.05 | -0.6 |
Profit & Loss
| Particulars | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|
| Sales | 219 | 248 | 438 | 637 | 828 | 1,144 | 1,556 | 1,717 |
| Expenses | 391 | 503 | 987 | 1,000 | 974 | 1,184 | 1,809 | 2,055 |
| Operating Profit | -173 | -256 | -549 | -364 | -146 | -40 | -254 | -338 |
| OPM % | -79% | -103% | -126% | -57% | -18% | -3.5% | -16% | -20% |
| Other Income | 44 | 42 | 72 | 90 | 100 | 116 | 137 | 138 |
| Interest | 8 | 10 | 8 | 8 | 10 | 11 | 12 | 12 |
| Depreciation | 19 | 26 | 28 | 31 | 37 | 37 | 45 | 52 |
| PBT | -155 | -249 | -514 | -312 | -93 | 29 | -175 | -264 |
| Tax % | 0% | 0% | 0% | 0% | 0% | -740% | 34% | — |
| Net Profit | -155 | -249 | -514 | -312 | -93 | 240 | -235 | -334 |
| EPS in Rs | -11,783 | -14,927 | -27,791 | -16,891 | -5,009 | 4.9 | -1.52 | -2.21 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
| Particulars | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Equity Capital | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 49 | 146 |
| Reserves | 631 | 454 | 1,551 | 1,339 | 1,292 | 1,746 | 1,997 |
| Borrowings | 0 | 0 | 0 | 102 | 104 | 120 | 136 |
| Other Liabilities | 182 | 193 | 243 | 195 | 248 | 294 | 439 |
| Total Liabilities | 813 | 647 | 1,794 | 1,636 | 1,645 | 2,210 | 2,718 |
| Fixed Assets | 126 | 92 | 87 | 121 | 117 | 127 | 158 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 479 | 371 | 922 | 1,009 | 762 | 1,091 | 1,262 |
| Other Assets | 208 | 185 | 785 | 506 | 766 | 992 | 1,298 |
| Total Assets | 813 | 647 | 1,794 | 1,636 | 1,645 | 2,210 | 2,718 |
Cash Flow
| Particulars | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Operating | -139 | -141 | -315 | -238 | -86 | 55 | -99 |
| Investing | 66 | 111 | -1,087 | 299 | 95 | -200 | -278 |
| Financing | 220 | -23 | 1,383 | -25 | -30 | 164 | 435 |
| Net Cash Flow | 147 | -54 | -19 | 36 | -20 | 19 | 59 |
| Free Cash Flow | -145 | -145 | -326 | -253 | -94 | 44 | -139 |
| CFO/OP | 80 | 54 | 57 | 65 | 56 | -148 | 38 |
Ratios
| Particulars | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Debtor Days | 2 | 5 | 6 | 6 | 9 | 8 | 9 |
| Inventory Days | 91 | 102 | 118 | 67 | 100 | 87 | 103 |
| Days Payable | 206 | 394 | 393 | 308 | 262 | 190 | 204 |
| Cash Conversion Cycle | -113 | -288 | -269 | -234 | -153 | -94 | -93 |
| Working Capital Days | -55 | -105 | -62 | -17 | -7 | -38 | 22 |
| ROCE % | — | -44% | -51% | -20% | -6% | 2% | -8% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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50 extracted metrics + investor summaries across FY20–FY27.
Documents
Frequently Asked Questions about Urban Company
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Company Information
Incorporated in December 2014, Urban Company is a technology-driven, full-stack online marketplace offering home and beauty services.[1]
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