Usha Financial Services logo

Usha Financial Services

USHAFIN NSE
₹56.00 0.60 (1.08%)
Market Cap
₹243 Cr
P/E
9.66

Key Fundamentals

SMENBFCFinancial Services
Market Cap
₹243 Cr
P/E (TTM)
9.66
EBITDA
₹55.50 Cr
Return on Equity
9.78%
Debt to Equity
1.15
Book Value
₹52.83
EPS (TTM)
₹5.80
52W High
₹58.00
52W Low
₹26.75

Price-based figures as of 13 Oct 2026, 15:29 IST · EPS basis: Standalone · TTM

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

Bajaj Finance
₹982.7530.136,11,856 Cr5.370.63%16.53%10.71%85,276 Cr20,648 Cr
Shriram Finance
₹988.0017.492,32,481 Cr2.201.15%15.18%11.00%49,401 Cr11,318 Cr
Jio Financial
₹217.8068.061,43,816 Cr1.040.28%1.17%1.69%5,220 Cr2,066 Cr
Cholamandalam Investment
₹1,620.7023.901,38,458 Cr4.520.13%17.17%9.46%33,147 Cr5,751 Cr
Muthoot Finance
₹2,626.009.271,05,426 Cr2.601.14%26.67%15.43%33,526 Cr11,457 Cr
SBI Cards
₹572.3023.9554,463 Cr3.460.44%13.78%18.31%20,882 Cr2,275 Cr
Sundaram Finance
₹4,236.9021.2047,074 Cr3.160.97%13.46%9.65%10,173 Cr2,219 Cr
Authum Inv & Infr
₹540.3021.9245,884 Cr3.120.09%13.07%12.59%2,915 Cr2,094 Cr
Mahindra & Mahindra Financial Services
₹327.0013.9745,459 Cr1.712.35%10.72%8.61%21,870 Cr3,259 Cr
Poonawalla Fincorp
₹438.5046.7538,613 Cr2.810.45%5.24%6.68%8,901 Cr787 Cr
Usha Financial Services (this company)
₹56.009.66243 Cr1.060.00%9.78%13.35%74 Cr25 Cr
Median 11 companies₹572.3021.9254,463 Cr2.810.45%13.46%10.71%20,882 Cr2,275 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100. How it works →

As of 2026-10-12
v2.0.0
59 Good
Overall score
Data confidence 94/100
surveillance:ESM1

Category scores

Quality Strong 81
Returns, margins, earnings quality 22%
Valuation Good 66
Cheap vs sector & own history 24%
Growth Average 54
Sales & profit trajectory 9%
Financial Health Weak 45
Solvency, leverage, coverage 9%
Momentum Strong 98
Trend strength, vol-adjusted 12%
Ownership Weak 41
FII/DII/promoter flows 24%

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Stock is trading at 1.05 times its book value
  • Company has delivered good profit growth of 42.2% CAGR over last 5 years

Weaknesses

2
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 10.3% over last 3 years.

Technical Indicators

Oscillators

BearishNeutralBullish

Neutral

Bearish
1
Neutral
7
Bullish
1

Overall

BearishNeutralBullish

Bullish

Bearish
1
Neutral
7
Bullish
11

Moving Averages

BearishNeutralBullish

Bullish

Bearish
0
Neutral
0
Bullish
10

Growth Rate

Revenue Growth
16.89% higher than 3Y

change over 1 year

Net Income Growth
69.17% higher than 3Y

change over 1 year

Cash Flow Change
116%

change over 1 year

EBITDA Margin Change
11.61%

change over 1 year

Quarterly Results

Particulars Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
13.58
16.56
16.94
17.38
16.93
19.18
17.63
20.26
Expenses
2.39
3.65
8.7
3.84
5.27
3.52
3.16
3.6
Financing Profit
5.65
6.05
1.92
7.49
5.68
9.62
9.16
11.2
Fin. Margin %
41.61%
36.53%
11.33%
43.1%
33.55%
50.16%
51.96%
55.28%
Other Income
0
0.04
0
0.04
0.04
0.04
0.06
0.05
Interest
5.54
6.86
6.32
6.05
5.98
6.04
5.31
5.46
Depreciation
0.08
0.08
0.31
0.39
0.4
0.4
0.39
0.47
PBT
5.57
6.01
1.61
7.14
5.32
9.26
8.83
10.78
Tax %
24.78%
24.29%
38.51%
25.07%
25.38%
28.83%
25.82%
25.51%
Net Profit
4.19
4.55
0.98
5.35
3.98
6.59
6.55
8.03
EPS (₹)
1.32
1.05
0.23
1.23
0.92
1.52
1.51
1.85
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
52
26
25
46
64
61
71
74
Expenses
16
10
9
11
17
18
16
16
Financing Profit
16
5
6
14
17
18
32
36
Fin. Margin %
31%
21%
23%
30%
27%
30%
45%
48%
Other Income
0
0
0
0
0
0
0
0
Interest
20
11
10
22
30
24
23
23
Depreciation
0
0
0
0
0
1
2
2
PBT
15
5
5
14
17
18
31
34
Tax %
26%
22%
24%
26%
25%
24%
26%
—
Net Profit
11
4
4
10
13
13
22
25
EPS (₹)
—
—
—
—
6.03
3.07
5.17
5.8
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
6
6
7
9
11
22
43
Reserves
33
37
41
73
95
187
186
Borrowing
148
63
97
248
181
185
176
Other Liabilities
67
11
19
43
49
37
24
Total Liabilities
254
117
164
372
336
431
430
Fixed Assets
1
1
1
0
7
23
23
CWIP
0
0
0
0
1
0
0
Investments
0
2
2
0
0
0
7
Other Assets
253
114
161
372
327
408
400
Total Assets
254
117
164
372
336
431
430
Figures in ₹ Crores

Cash Flow

Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-27
-8
-35
-177
71
-95
15
Investing
0
-2
0
2
-8
-2
-8
Financing
54
-17
35
175
-56
95
-11
Net Cash Flow
28
-27
0
-1
8
-2
-3
Free Cash Flow
-27
-8
-35
-177
63
-100
13
CFO/OP
-70
-43
-205
-492
162
-212
39
Figures in ₹ Crores

Ratios

Particulars Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
29%
9%
9%
16%
13%
8%
10%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Usha Financial Services insights

53 extracted metrics + investor summaries across FY20–FY27.

Log in — free

Shareholding Pattern

DIIs0.57%Promot.74.97%FIIs1.98%Others7.99%Public14.50%As ofJun 2026

Documents

Frequently Asked Questions about Usha Financial Services

What does Usha Financial Services Ltd do?
Incorporated in May 1995, Usha Financial Services Limited is a non-banking finance company providing lending solutions to other NBFCs, corporates, MSMEs, and individuals, particularly women entrepreneurs.[1]
Where is Usha Financial Services Ltd (USHAFIN) listed?
Usha Financial Services Ltd trades as USHAFIN on the NSE.
Which sector does Usha Financial Services Ltd belong to?
Usha Financial Services Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Usha Financial Services Ltd?
Usha Financial Services Ltd has a market capitalisation of ₹243.46 Cr as of 13 Oct 2026, which places it in the Small Cap band.
What is the PE ratio of Usha Financial Services Ltd?
Usha Financial Services Ltd trades at a PE ratio of 9.66 as of 13 Oct 2026, on earnings per share of ₹5.8, against a book value of ₹52.83 per share.
What is the 52-week high and low of Usha Financial Services Ltd?
Over the last 52 weeks Usha Financial Services Ltd has traded between ₹26.75 and ₹58 as of 13 Oct 2026.
What is the Return on Equity (ROE) of Usha Financial Services Ltd?
Usha Financial Services Ltd reported a return on equity of 9.78%. Its debt-to-equity ratio is 1.15.

Company Information

Incorporated in May 1995, Usha Financial Services Limited is a non-banking finance company providing lending solutions to other NBFCs, corporates, MSMEs, and individuals, particularly women entrepreneurs.[1]

Website ushafinancial.com
Listed 2024-10-31
Face Value ₹ 10
Shares Outstanding 4,34,75,262

For AI agents and developers

Reading this as an AI agent, LLM or automated pipeline? Every page on Tapetide is also published as clean Markdown — no navigation, no scripts, just the data. Fetch https://tapetide.com/stocks/USHAFIN.md for Usha Financial Services Ltd: company profile, latest price, key fundamentals, the Tapetide Score, growth rates, quarterly and annual financial statements, shareholding pattern, technical indicators, analyst ratings and exchange filings.

Append .md to any Tapetide URL for the same treatment. A full index of what we publish is at /llms.txt and /llms-full.txt. For live, structured queries instead of documents, use our Indian stock market MCP server.

Explore More

More in Financial Services → FII DII Data Stock Screener Nifty 50 Heatmap F&O Ban List