Usha Financial Services Financials

NSE: USHAFIN

₹51.00

₹1.60 (3.24%)

As on 03-Sep-2026 15:31IST

Market cap

₹222 Cr

Revenue (TTM)

₹74 Cr

P/E Ratio

8.8

P/B Ratio

0.9

Div. Yield

0 %

Income Statement (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Operating Income	74.02	71.13	60.96	63.22	45.63	25.03
Other Income	0.19	0.17	0.04	0.88	0.73	0.29
Total Income	74.21	71.31	61.00	64.10	46.36	25.31
Interest Expense	22.78	23.45	24.33	29.80	21.51	10.46
Operating Expenses	15.57	15.72	18.45	16.98	10.84	9.06
Exceptional Income/Expenses	--	--	--	--	--	--
Profit before Tax	34.18	30.54	17.67	17.04	13.79	5.48
Taxes	9.04	8.08	4.32	4.25	3.62	1.33
Profit after Tax	25.15	22.46	13.35	12.79	10.17	4.14
Minority Interest	--	--	--	--	--	--
Share of Associate	--	--	--	--	--	--
Consolidated Profit	25.15	22.46	13.35	12.79	10.17	4.14

Liabilities (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Shareholder's Funds	229.68	229.68	208.51	106.03	82.07	47.68
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	0.78	165.41	175.12	83.60	126.70	52.69
Current Liabilities	199.18	32.48	41.76	145.34	162.72	63.28
Total Liabilities	429.63	429.64	430.67	335.86	372.23	164.28

Assets (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Non-Current Assets	25.47	420.10	414.66	68.46	111.21	42.62
Current Assets	403.03	7.47	10.74	266.51	260.28	121.02
Total Assets	429.64	429.64	430.67	335.86	372.23	164.28
Contingent Liabilities	--	5.50	5.50	5.50	0.59	0.59

Cashflow (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Cash From Operating Activities	--	15.34	-94.96	71.47	-177.16	-35.19
Cash Flow from Investing Activities	--	-7.81	-2.02	-8.06	1.78	0.20
Cash from Financing Activities	--	-10.61	94.95	-55.73	174.51	35.31
Net Cash Inflow / Outflow	--	-3.09	-2.03	7.68	-0.86	0.31

Financials Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Adjusted EPS (₹)	5.78	5.17	3.07	4.03	3.60	2.10
Cash EPS (₹)	--	5.53	3.20	4.11	3.68	2.26
Adjusted Book Value (₹)	--	52.83	47.96	33.39	29.05	24.15
Dividend per Share (₹)	--	--	--	--	--	--
Cash Flow per Share (₹)	--	3.53	-43.69	67.52	-188.11	-53.47
Free Cash Flow per Share (₹)	--	1.58	-48.75	56.41	-189.58	-56.31

Profitability Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
ROCE (%)	--	13.54	12.35	15.19	14.88	11.00
ROE (%)	11.27	10.25	8.49	13.60	15.67	8.69
ROA (%)	11.71	5.27	3.51	3.62	3.80	2.53
EBIT Margin (%)	76.70	75.66	68.82	72.71	75.75	62.53
Net Margin (%)	33.89	31.50	21.88	19.95	21.93	16.37
Cash Profit Margin (%)	0.00	33.81	22.81	20.65	22.78	17.85

Growth Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Revenue Growth (%)	--	16.69	-3.58	38.55	82.34	--
EBIT Growth (%)	--	28.28	-8.74	32.99	120.91	--
Net Profit Growth (%)	--	68.26	4.37	25.81	145.29	--
EPS Growth (%)	--	68.26	-23.76	11.94	71.42	--
Book Value Growth (%)	--	10.15	96.66	29.18	72.15	--

Valuation Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Price / Earnings	8.82	5.90	4.12	--	--	--
Price / Book Value	0.93	0.58	0.53	--	--	--
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	6.66	5.42	6.68	3.91	7.23	6.33
Close Price (₹)	34.05	30.50	25.28	--	--	--
High Price (₹)	53.83	53.83	84.00	--	--	--
Low Price (₹)	26.75	24.33	24.63	--	--	--
Market Cap (₹ Cr)	221.72	132.60	109.88	--	--	--

Solvency Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Debt to Equity	--	0.76	0.88	1.71	3.02	2.04
Short term debt to equity ratio	--	0.03	0.02	--	0.03	0.02
Current Ratio	2.02	0.23	0.26	1.83	1.60	1.91
Quick Ratio	2.02	0.23	0.26	1.83	1.60	1.91
Interest Coverage	2.50	2.30	1.73	1.57	1.64	1.52

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement (₹ Cr)