Urban Company Ltd
Urban Company Ltd
RetailKey Fundamentals
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Urban Company Ltd insights
32 extracted metrics + investor summaries across FY20–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
Key Insights
Strengths
2- Company is almost debt free.
- Company is expected to give good quarter
Weaknesses
4- Stock is trading at 10.0 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
anthropic claude-opus-4.6 5d agoUrban Company Ltd is a recently listed (Sep 2025) tech-enabled home services platform trading at a market cap of ~₹21,982 Cr with a negative PE of -66x and P/B of 10.2x. The company delivered 36% revenue growth in FY26 to ₹1,556 Cr but swung to a net loss of ₹235 Cr after posting a ₹240 Cr profit in FY25, reflecting heavy investments in its quick-services vertical InstaHelp.
- Revenue grew 36% YoY in FY26 to ₹1,556 Cr, following 38% growth in FY25, demonstrating consistent top-line momentum over a 5-year sales CAGR of 44%
- Company is almost debt-free, providing financial flexibility for reinvestment without interest burden
- Total addressable market for home services in India estimated at $59 billion in 2024, projected to nearly double by 2029 per IPO prospectus
- IPO was oversubscribed 103x in Sep 2025, listing at 58% premium (₹162 vs issue price ₹103), signaling strong institutional and retail demand
- Q1 FY27 revenue rose 44% YoY to ₹528 Cr, and EBITDA loss per order improved from ₹447 in Q4 FY26 to ₹346 in Q1 FY27, showing operating leverage trajectory
- Core business (ex-InstaHelp) adjusted EBITDA more than doubled to ₹67 Cr in Q1 FY27 from ₹31 Cr in Q1 FY26, indicating underlying unit economics are improving
- Dominant position in organized tech-enabled home services with limited listed competitors in India, benefiting from a large unorganized-to-organized shift
- Company swung from ₹240 Cr net profit in FY25 to a ₹235 Cr net loss in FY26, a ₹475 Cr deterioration in profitability within one year
- Stock trades at 10.2x book value despite negative ROE of -1.86% over the last 3 years, indicating valuation is pricing in distant future earnings
- Promoter holding is low at 19%, which may raise governance concerns and increase stock volatility from institutional selling
- EBITDA loss widened sharply to ₹114 Cr in Q4 FY26 versus just ₹10 Cr loss in Q4 FY25, driven by InstaHelp expansion costs
- Negative PE of -66x with TTM compounded profit growth at -241% shows the company is currently loss-making with deteriorating bottom-line trajectory
- Low interest coverage ratio despite being nearly debt-free suggests operating income is insufficient to comfortably cover even minimal financial obligations
- Zero dividend yield with no near-term visibility on shareholder returns given ongoing losses and reinvestment needs
- Business model relies heavily on gig-economy service professionals; regulatory changes in gig worker classification or benefits could materially increase costs
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 1d ago- Net loss widens to ₹92 crore Jul 31
Despite 44% YoY revenue growth to ₹528 crore in Q1FY27, net loss widened to ₹92 crore due to higher expenses and deferred tax impact, signaling profitability remains elusive.
- InstaHelp crosses 1 lakh daily orders Aug 2
Quick-service vertical InstaHelp hit 100,000 daily delivered orders on Aug 2, doubling from 50,000 in just five months, indicating rapid adoption in metro micro-markets.
- Native M3 Pro purifier launched Aug 5
Urban Company launched the Native M3 Pro water purifier at ₹22,000 onwards with a 3-year warranty and long-life filters, expanding its product commerce vertical.
- Q1FY27 revenue surges 44% YoY Jul 31
Revenue grew 44% YoY to ₹528 crore in Q1FY27, driven by strong India operations, demonstrating continued top-line momentum.
- Multiple analyst/investor meets scheduled Aug 7
Urban Company scheduled virtual one-on-one meetings with Awriga Capital, Hornbill Capital, Dalal & Broacha (Aug 10), HDFC Mutual Fund (Aug 6), OHM Stock Broker (Aug 5), and Bellwether Capital (Aug 11) through August 2026.
- Q4FY26 results announced Jul 31 Jul 27
Board meeting and earnings call held on July 31, 2026 to discuss unaudited financial results for the quarter ended June 30, 2026.
TL;DR: Urban Company is delivering strong top-line growth at 44% YoY with its InstaHelp vertical scaling rapidly to 1 lakh daily orders, while also expanding into product commerce with the Native M3 Pro purifier. The key risk remains widening losses at ₹92 crore in Q1FY27 as expenses outpace revenue gains. Active investor engagement through multiple analyst meets suggests management confidence. The growth trajectory is impressive but the path to profitability needs to become clearer for sustained re-rating.
Quarterly Results
| 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
| 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
| 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
| 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
| 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% |
Documents
Frequently Asked Questions about Urban Company Ltd
What does Urban Company Ltd do?
Where is Urban Company Ltd (URBANCO) listed?
Which sector does Urban Company Ltd belong to?
What is the 52-week high and low of Urban Company Ltd?
What is the Return on Equity (ROE) of Urban Company Ltd?
How can I research Urban Company Ltd on Tapetide?
Company Information
Incorporated in December 2014, Urban Company is a technology-driven, full-stack online marketplace offering home and beauty services.[1]