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Banking And Finance | Small Cap
Health Score : 7.25Usha Financial Services Ltd shows mixed financial performance. The company excels in profitability, driven by high margins and strong returns on capital, equity, and assets. Growth prospects are also promising, with significant increases in revenue, operating profit, assets and net income. However, certain areas need attention. Liquidity is hampered by poor cash and operating cash flow ratios, despite good current and quick ratios. Efficiency is also a concern with low turnover ratios. While solvency is reasonable, there are some coverage ratio issues along with low earnings per share. The company maintains a high gross profit margin which is good for them. Overall, Usha Financial Services demonstrates solid profitability and growth potential but needs to address its liquidity, efficiency, and coverage challenges to ensure long-term financial stability.
Health Score : 7.25Usha Financial Services Ltd shows mixed financial performance. The company excels in profitability, driven by high margins and strong returns on capital, equity, and assets. Growth prospects are also promising, with significant increases in revenue, operating profit, assets and net income. However, certain areas need attention. Liquidity is hampered by poor cash and operating cash flow ratios, despite good current and quick ratios. Efficiency is also a concern with low turnover ratios. While solvency is reasonable, there are some coverage ratio issues along with low earnings per share. The company maintains a high gross profit margin which is good for them. Overall, Usha Financial Services demonstrates solid profitability and growth potential but needs to address its liquidity, efficiency, and coverage challenges to ensure long-term financial stability.
Overall Valuation Score
Markets Depth NSE
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Sell Orders
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0
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Markets Today NSE
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Avg Price
0.00
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0
Last Traded Quantity
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Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
9.36
Industry Median
20.55
Small Cap Median
13.12
P/E RATIO
9.36
P/B RATIO
0.92
Industry Median
1.24
Small Cap Median
0.95
P/S RATIO
3.14
Industry Median
4.30
Small Cap Median
3.07
Others
PEG RATIO
0.00
EV/EBITDA RATIO
7.02
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹48.4 as on Sep 1, 2026.
Growth Score : 8.00The company exhibits strong growth in revenue, operating profit, assets, and net income, indicating robust expansion and market performance. However, a decline in earnings per share (EPS) growth is a cause for concern. Overall, the company demonstrates strong growth potential, but the EPS trend needs to be addressed to ensure sustainable financial performance.
Revenue Growth RateExcellentOperating Profit Growth RateExcellent
Earnings Per Share (EPS) GrowthPoorAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -3.85 | 84 | 39.13 | -4.69 | 16.39 |
| Operating Profit Growth Rate | 20 | 133.33 | 21.43 | 11.76 | 68.42 |
| Earnings Per Share (EPS) Growth | -47.43 | 63.09 | |||
| Asset Growth Rate | 40.17 | 126.83 | -9.68 | 30.95 | -2.27 |
| Net Income Growth Rate | 0 | 150 | 30 | 7.69 | 57.14 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Baid Finserv Ltd | 8.63 | 10.46 | Undervalued | 19.00 | 0.97 | 15.00 |
| 2 | Keynote Financial Services Ltd | 7.94 | 21.22 | Neutral | 8.19 | -2.98 | 6.66 |
| 3 | IBL Finance Ltd | 7.50 | 61.62 | Neutral | 3.61 | 0.99 | 2.44 |
| 4 | Ascom Leasing & Investments Ltd | 7.41 | 41.97 | Highly Overvalued | 7.22 | 4.46 | 5.23 |
| 5 | Usha Financial Services Ltd | 7.25 | 9.36 | Neutral | 32.00 | 5.17 | 22.00 |
| 6 | Maha Rashtra Apex Corporation Ltd | 5.69 | -23.02 | Neutral | -9.35 | 0.96 | -6.87 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Quarterly Report⬤7th Feb 26
Quarterly Financial Results Q3 FY 2025-26
BULLISH SENTIMENT
No Stock News Available at This Moment.
Usha Financial Services Ltd. (USHAFIN) is an India-based Non-Banking Financial Company (NBFC) primarily engaged in investment activities. The company focuses on investing in shares and securities, alongside providing loans and advances. It operates as a small-cap entity within India's financial services sector, aiming for capital appreciation and interest income.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Usha Financial Services Ltd's P/E ratio (TTM) is 9.36, compared to the industry median of 20.55 and large cap median of 13.12.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Usha Financial Services Ltd's P/B ratio is 0.92, compared to the industry median of 1.24 and large cap median of 0.95.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Usha Financial Services Ltd's P/S ratio is 3.14, compared to the industry median of 4.30 and large cap median of 3.07.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Usha Financial Services Ltd's PEG ratio is N/A.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Usha Financial Services Ltd's EV/EBITDA ratio is 7.02.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Usha Financial Services Ltd's ROE is 9.61%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Usha Financial Services Ltd's ROA is 7.44%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Usha Financial Services Ltd's ROCE is 23.58%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Usha Financial Services Ltd's operating margin is 45.07%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Usha Financial Services Ltd's net margin is 30.99%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Usha Financial Services Ltd's current ratio is 16.67.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Usha Financial Services Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Usha Financial Services Ltd's interest coverage ratio is 2.35.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Usha Financial Services Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Usha Financial Services Ltd's EPS is 63.09.
(Source line: "Ratios as of 26 Sept 2026, based on last traded price of ₹48.40. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1993
Headquarters: Mumbai, Maharashtra
Core Offerings: Investment in shares and securities, Loans and advances, Financial Services
Stock Listing: NSE (USHAFIN), BSE ({bse})
Promoter: Gupta Family / Mr. Brij Lal Gupta & Associates
Usha Financial Services Ltd was incorporated on February 10, 1993. Since its inception, the company has primarily operated as a Non-Banking Financial Company (NBFC), focusing on strategic investments in shares and securities and extending loans and advances. It has consistently maintained its business within the financial services sector, growing its investment portfolio and lending operations over the years.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Investment Activities | Major portion | N/A (embedded in financial income) |
| Lending & Other Financial Services | Minor portion | Operating Profit |
Investment Activities: Primarily involves strategic investments in listed and unlisted shares and securities across various industries, aiming for capital appreciation and dividend income.
Lending & Financial Services: Provides loans and advances to corporate and non-corporate entities, generating interest income and fees for financial facilitation.
Mr. Nitin Gupta serves as the Managing Director of Usha Financial Services Ltd. He oversees the strategic direction and operational management of the company's financial activities and investment portfolio. Mr. Brij Lal Gupta is the Chairman & Whole Time Director.
No major subsidiaries reported.
No major recent corporate actions on record.
The Usha Financial Services Ltd share price today is ₹48.40 on NSE (USHAFIN), as of 28 Sept 2026.
As of 26 Sept 2026, Usha Financial Services Ltd share price is ₹48.40, with previous close ₹48.40. Today's range is ₹48.40 to ₹48.40. The 52-week range is ₹26.75 to ₹56.45.
As of today, Usha Financial Services Ltd's market cap is ₹223.12 crore (Small Cap).
Usha Financial Services Ltd's current P/E ratio is 9.36, compared to the BANKING AND FINANCE sector average of 28.
Usha Financial Services Ltd's current P/B ratio is 0.92.
Usha Financial Services Ltd's current dividend yield is N/A. Last dividend of ₹0.00 per share was declared on N/A.
Usha Financial Services Ltd's EPS (TTM) is ₹63.09.
Usha Financial Services Ltd. (USHAFIN) is an India-based Non-Banking Financial Company (NBFC) primarily engaged in investment activities. The company focuses on investing in shares and securities, alongside providing loans and advances. It operates as a small-cap entity within India's financial services sector, aiming for capital appreciation and interest income.
Usha Financial Services Ltd is promoted by Gupta Family / Mr. Brij Lal Gupta & Associates, holding 74.97% as of 26 Sept 2026.
Usha Financial Services Ltd is listed on NSE (USHAFIN) and BSE ({bse}). Its next quarterly results are expected on August 2024 (Q1 FY25).
Cash Earnings Per Share (Cash EPS)