Usha Financial Services Ltd
USHAFIN NSE
Usha Financial Services Ltd
Financial ServicesNSE: USHAFIN NBFC
Key Fundamentals
SMENBFCFinancial ServicesMarket Cap
₹164 Cr
Volatility
Moderate
P/E Ratio
7.66
EBITDA
₹54.72 Cr
Return on Equity
6.54%
Debt to Equity
1.15
Book Value
₹52.83
52W High
₹105
52W Low
₹26.75
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Usha Financial Services Ltd insights
15 extracted metrics + investor summaries across FY20–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
Key Insights
Strengths
2- Stock is trading at 0.75 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 10.4% over last 3 years.
Growth Rate
Revenue Growth
16.35% ↗
Net Income Growth
85.87% ↗
Cash Flow Change
-229.51% ↘
ROE
-45.77% ↘
ROCE
-44.83% ↘
EBITDA Margin (Avg.)
9.78% ↗
Quarterly Results
| Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Revenue | 13.58 | 16.56 | 16.94 | 17.38 | 16.93 | 19.18 | 17.63 |
| Expenses | 2.39 | 3.65 | 8.7 | 3.84 | 5.27 | 3.52 | 3.16 |
| Financing Profit | 5.65 | 6.05 | 1.92 | 7.49 | 5.68 | 9.62 | 9.16 |
| Fin. Margin % | 41.61% | 36.53% | 11.33% | 43.1% | 33.55% | 50.16% | 51.96% |
| Other Income | 0 | 0.04 | 0 | 0.04 | 0.04 | 0.04 | 0.06 |
| Interest | 5.54 | 6.86 | 6.32 | 6.05 | 5.98 | 6.04 | 5.31 |
| Depreciation | 0.08 | 0.08 | 0.31 | 0.39 | 0.4 | 0.4 | 0.39 |
| PBT | 5.57 | 6.01 | 1.61 | 7.14 | 5.32 | 9.26 | 8.83 |
| Tax % | 24.78% | 24.29% | 38.51% | 25.07% | 25.38% | 28.83% | 25.82% |
| Net Profit | 4.19 | 4.55 | 0.98 | 5.35 | 3.98 | 6.59 | 6.55 |
| EPS in Rs | 1.32 | 1.05 | 0.23 | 1.23 | 0.92 | 1.52 | 1.51 |
Profit & Loss
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Revenue | 52 | 26 | 25 | 46 | 64 | 61 | 71 |
| Expenses | 16 | 10 | 9 | 11 | 17 | 18 | 16 |
| Financing Profit | 16 | 5 | 6 | 14 | 17 | 19 | 32 |
| Fin. Margin % | 31% | 21% | 23% | 30% | 27% | 31% | 45% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 20 | 11 | 10 | 22 | 30 | 24 | 23 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 2 |
| PBT | 15 | 5 | 5 | 14 | 17 | 18 | 31 |
| Tax % | 26% | 22% | 24% | 26% | 25% | 24% | 26% |
| Net Profit | 11 | 4 | 4 | 10 | 13 | 14 | 22 |
| EPS in Rs | — | — | — | — | 6.03 | 3.17 | 5.17 |
| 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 | 6 | 6 | 7 | 9 | 11 | 22 | 43 |
| Reserves | 33 | 37 | 41 | 73 | 95 | 189 | 186 |
| Borrowing | 148 | 63 | 97 | 248 | 181 | 185 | 176 |
| Other Liabilities | 67 | 11 | 19 | 43 | 49 | 44 | 24 |
| Total Liabilities | 254 | 117 | 164 | 372 | 336 | 440 | 430 |
| Fixed Assets | 1 | 1 | 1 | 0 | 7 | 14 | 23 |
| CWIP | 0 | 0 | 0 | 0 | 1 | 0 | 0 |
| Investments | 0 | 2 | 2 | 0 | 0 | 0 | 7 |
| Other Assets | 253 | 114 | 161 | 372 | 327 | 427 | 400 |
| Total Assets | 254 | 117 | 164 | 372 | 336 | 440 | 430 |
Cash Flow
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Operating | -27 | -8 | -35 | -177 | 71 | -93 | 15 |
| Investing | 0 | -2 | 0 | 2 | -8 | -4 | -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 | -98 | 13 |
| CFO/OP | -70 | -43 | -205 | -492 | 162 | -205 | 39 |
Ratios
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| ROE % | 29% | 9% | 9% | 16% | 13% | 9% | 10% |
Documents
1
Trading Window
7 Aug - Trading window closed for designated persons till August 14, 2026; board meeting on August 12, 2026. 7 Aug - Trading window closed for designated persons till August 14, 2026; board meeting on August 12, 2026.
2
Cessation
5 Aug - Mr. Pankaj Jain ceases as Independent Director and committee chair from August 6, 2026. 5 Aug - Mr. Pankaj Jain ceases as Independent Director and committee chair from August 6, 2026.
3
Appointment
3 Aug - Mr. Sudhanshu Singhal appointed Additional Independent Director effective August 03, 2026. 3 Aug - Mr. Sudhanshu Singhal appointed Additional Independent Director effective August 03, 2026.
4
Integrated Filing- Governance
30 Jul - Submitted quarterly corporate governance and investor complaints report for quarter ended June 30, 2026. 30 Jul - Submitted quarterly corporate governance and investor complaints report for quarter ended June 30, 2026.
5
Certificate under SEBI (Depositories and Participants) Regulations, 2018
20 Jul - Submitted reconciliation of share capital audit report for quarter ended June 30, 2026; no share discrepancies. 20 Jul - Submitted reconciliation of share capital audit report for quarter ended June 30, 2026; no share discrepancies.
Frequently Asked Questions about Usha Financial Services Ltd
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 is listed on the Indian stock exchanges. It is listed on NSE: USHAFIN. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Usha Financial Services Ltd belong to?
Usha Financial Services Ltd operates in the Financial Services sector within the NBFC industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Usha Financial Services Ltd?
Usha Financial Services Ltd has a market capitalisation of approximately ₹164.12 Cr. Based on this, it is classified as a Small Cap stock.
What is the PE ratio of Usha Financial Services Ltd?
The Price-to-Earnings (PE) ratio of Usha Financial Services Ltd is 7.66. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Usha Financial Services Ltd?
Over the past 52 weeks, Usha Financial Services Ltd has traded between a low of ₹26.75 and a high of ₹105. This range helps investors understand the stock's price volatility and recent trading levels.
What is the Return on Equity (ROE) of Usha Financial Services Ltd?
Usha Financial Services Ltd has a Return on Equity (ROE) of 6.54%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Usha Financial Services Ltd on Tapetide?
On Tapetide, you can view Usha Financial Services Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
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]