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Usha Financial Services Key Ratios

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NSE: USHAFIN

₹48.40

up-down-arrow ₹0.35 (0.73%)

As on 01-Sep-2026IST

Market cap

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₹210 Cr

Revenue (TTM)

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₹74 Cr

P/E Ratio

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8.4

P/B Ratio

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0.9

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 14.88 16.59 16.69 15.95 --
EBIT 14.98 23.03 28.28 15.90 --
Net Profit 22.62 50.34 68.26 30.25 --
EPS 22.62 50.34 68.26 12.82 --
Book Value -- -- 10.15 22.06 --
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-26Mar-25
EBIT-Margin info 72.40--76.7075.6668.82
Net Margin info 24.44--33.8931.5021.88
Return on equity info 10.78--11.2710.258.49
Return on Assets info 4.13--11.715.273.51

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
--
13.54
12.35
15.19
14.88
Peer Median
--
6.28
14.39
9.85
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

11.27

Higher than Peers by 10.78

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
11.27
10.25
8.49
13.60
15.67
Peer Median
0.49
0.69
17.75
5.83
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

11.71

Higher than Peers by 11.40

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
11.71
5.27
3.51
3.62
3.80
Peer Median
0.31
0.17
4.47
1.24
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

76.70

Higher than Peers by 54.26

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
76.70
75.66
68.82
72.71
75.75
Peer Median
22.45
35.03
25.28
103.34
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

33.89

Higher than Peers by 32.94

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
33.89
31.50
21.88
19.95
21.93
Peer Median
0.95
0.79
19.67
11.76
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

0.00

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
0.00
33.81
22.81
20.65
22.78
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

--

--

Year on year growth in net sales

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
--
16.69
-3.58
38.55
82.34
Peer Median
26.45
0.93
15.96
49.87
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

--

--

Year on year growth in operating profit (EBIT)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
--
28.28
-8.74
32.99
120.91
Peer Median
29.13
100.15
-13.48
205.16
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

--

--

Year on year growth in profit after tax

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
--
68.26
4.37
25.81
145.29
Peer Median
12.02
92.46
-86.29
2,087.86
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

--

--

Year on year growth in earnings per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
--
68.26
-23.76
11.94
71.42
Peer Median
8.58
94.01
-85.25
1,241.67
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

--

--

Year on year growth in book value per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
--
10.15
96.66
29.18
72.15
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
--
0.76
0.88
1.71
3.02
Peer Median
--
1.90
2.63
3.00
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
--
0.03
0.02
--
0.03
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

2.02

Higher than Peers by 0.65

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
2.02
0.23
0.26
1.83
1.60
Peer Median
1.38
0.50
5.44
5.05
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

2.02

Higher than Peers by 0.65

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
2.02
0.23
0.26
1.83
1.60
Peer Median
1.38
1.40
1.31
1.33
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

2.50

Higher than Peers by 1.39

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
2.50
2.30
1.73
1.57
1.64
Peer Median
1.11
0.89
1.66
1.21
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

8.37

Lower than Peers by 11.10

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
8.37
5.90
4.12
--
--
Peer Median
19.46
19.46
--
9.73
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

0.89

Lower than Peers by 0.37

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
0.89
0.58
0.53
--
--
Peer Median
1.26
1.32
1.37
1.54
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
--
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

6.47

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
6.47
5.42
6.68
3.91
7.23
Peer Median
--
10.06
6.39
20.78
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

210

Lower than Peers by 2,257

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Usha Financial Services
210
133
110
--
--
Peer Median
2,467
2,467
1,989
4,365
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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