Urban Company Ltd
Urban Company Ltd
Consumer DiscretionaryKey Fundamentals
SmallcapEcommerceRetailInsights
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 10.4 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 2d agoUrban Company is a high-growth home services platform with FY26 revenue of ₹1,556 crore (36% YoY growth) but swung to a consolidated net loss of ₹235 crore in FY26 versus a profit of ₹240 crore in FY25, driven by heavy investments in its InstaHelp vertical. The stock trades at a market cap of ~₹21,945 crore with negative earnings and 10.1x price-to-book, reflecting the market pricing in future growth against current losses.
- Revenue grew 36% YoY in FY26 to ₹1,556 crore, maintaining a 3-year compounded sales CAGR of 35%, demonstrating strong and consistent top-line momentum
- Company is almost debt-free, providing financial flexibility to invest in new verticals without leverage risk
- Q4 FY26 revenue surged 43% YoY to ₹426 crore with net transacting value reaching its highest level in 15 quarters, indicating accelerating platform adoption
- Operates across 51 cities including 4 international markets (Singapore, UAE, Saudi Arabia), with ~7.8 million annual transacting users and ~59,000 monthly active service professionals as of Q3 FY26
- 84% of net transaction value comes from repeat users, signalling strong customer retention and platform stickiness
- Excluding InstaHelp investments, core business adjusted EBITDA was ₹22 crore positive in Q4 FY26, showing the mature business can generate operating profits
- IPO in September 2025 listed at 56% premium to issue price and was subscribed 3.13 times, reflecting strong institutional and retail demand
- 5-year compounded sales CAGR of 44% demonstrates long-duration structural growth in the underpenetrated home services market
- Consolidated net loss of ₹235 crore in FY26 versus net profit of ₹240 crore in FY25 — a swing of nearly ₹475 crore — raising questions about path to sustainable profitability
- Stock trades at 10.1x book value despite negative ROE of -1.86% over the last 3 years, implying significant valuation premium with no earnings support
- Q4 FY26 net loss widened 57x YoY to ₹161 crore while total expenses surged 73.8% YoY to ₹557 crore, far outpacing revenue growth of 43%
- Promoter holding is low at 19.0%, and early investors like Accel India have been selling — Accel reduced stake from 6.14% to 4.84% via open market sales in August 2026
- Negative PE of -65.4x and negative ROE indicate the company is currently destroying shareholder value on an earnings basis
- InstaHelp vertical is burning significant cash — adjusted EBITDA loss of ₹98 crore in Q4 FY26 alone — with no clear timeline to breakeven amid competition from Pronto and Snabbit
- Zero dividend yield with no visibility on when capital returns to shareholders may begin given ongoing losses
- Operating profit remained negative at -₹223 crore in FY26 versus -₹32 crore in FY25, showing margin deterioration of ~160 basis points at the EBITDA level despite scale
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 19h 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.
- Accel India sells 2 crore shares Aug 14
Accel India IV (Mauritius) sold 2 crore shares on Aug 13, reducing its stake from 6.14% to 4.84%, signalling early investor profit-booking.
- 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 across select metro micro-markets.
- Revenue surges 44% YoY in Q1FY27 Jul 31
Urban Company reported Q1FY27 revenue of ₹528 crore, up 44% YoY, driven by strong India operations.
- SBI MF raises stake to 8.84% Aug 17
SBI Mutual Fund purchased 3.49 crore shares on Aug 13, increasing its holding by 2.27% from 6.55% to 8.84% via open market acquisition.
- 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, targeting lower maintenance costs.
- Multiple analyst/investor meetings scheduled Aug 17
Urban Company has scheduled numerous one-on-one virtual and physical meetings with firms including HDFC MF, Quantum Advisors, Choice India, Hill Fort Capital, Awriga Capital, and others through August-September 2026.
- Q1FY27 board meeting and earnings call Jul 27
Urban Company held its board meeting and earnings call on July 31 to discuss unaudited results for the quarter ended June 30, 2026.
TL;DR: Urban Company is delivering strong top-line momentum with 44% revenue growth and rapid scaling of InstaHelp to 1 lakh daily orders, while institutional interest from SBI MF is a confidence signal. Key risks include a widening net loss of ₹92 crore and early-investor stake sales by Accel India. The growth trajectory is impressive but the path to profitability remains the critical watchpoint for the coming quarters.
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 market capitalisation of Urban Company Ltd?
What is the PE ratio of Urban Company Ltd?
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]