Usha Financial Services Peer Comparison

NSE: USHAFIN

₹56.65

₹-0.75 (-1.31%)

As on 03-Nov-2026IST

Market cap

₹246 Cr

Revenue (TTM)

₹74 Cr

P/E Ratio

9.8

P/B Ratio

1

Div. Yield

0 %

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	Usha Financial Services	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin
Market cap (₹ Cr)	246	11,708	2,677	2,524	2,341
Revenue (₹ Cr)	74	3,319	3,355	2,480	1,784
Net Profit (₹ Cr)	25.15	1,117.02	532.50	245.42	277.13
Net Margin (%)	33.89	33.22	15.81	9.85	15.41
RoE (%)	11.27	14.62	17.64	8.83	10.93
Price to Earnings	9.79	10.48	5.03	10.28	8.45
Price-To-Book	1.04	1.48	0.84	0.86	0.90

Income Statement
Liabilities
Assets
Cashflow
Ratios

Income Statement (₹ Cr)

	Usha Financial Services	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin
Operating Income	74.02	3,319.48	3,354.96	2,479.58	1,784.24
Other Income	0.19	42.58	14.24	12.67	13.98
Total Income	71.31	3,245.97	3,164.33	2,395.49	1,761.29
Interest Expense	22.78	709.12	1,318.42	911.44	555.91
PBT & Exceptional Items	35.85	1,501.36	735.23	352.75	208.54
Operating Expenses	15.57	1,151.59	1,315.55	1,228.06	1,033.77
Exceptional Income/Expenses	0.00	0.00	0.00	0.00	0.00
Profit before Tax	34.18	1,462.66	701.11	309.75	200.35
Taxes	9.04	345.63	168.61	64.33	-76.78
Profit after Tax	25.15	1,117.02	532.50	245.42	277.13
Minority Interest	0.00	0.00	0.02	0.00	0.00
Share of Associate	0.00	0.00	0.00	0.00	0.00
Consolidated Profit	25.15	1,117.02	532.52	245.42	277.13

Liabilities (₹ Cr)

	Usha Financial Services	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin
Shareholder's Funds	229.68	7,903.44	3,172.78	2,854.31	2,613.85
Minority Interest	0.00	0.00	0.02	0.00	0.00
Non-Current Liabilities	0.78	101.19	124.81	26.12	48.73
Current Liabilities	199.18	8,173.61	12,620.68	9,804.37	6,194.40
Total Liabilities	429.64	15,789.74	14,378.00	12,684.81	8,294.80

Assets (₹ Cr)

	Usha Financial Services	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin
Non-Current Assets	25.47	213.20	183.13	117.84	107.69
Current Assets	403.03	15,869.79	15,639.34	12,380.67	8,714.23
Total Assets	429.64	15,789.74	14,378.00	12,684.81	8,294.80
Contingent Liabilities	5.50	0.28	25.87	0.50	4.55

Cashflow (₹ Cr)

	Usha Financial Services	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin
Cash From Operating Activities	15.34	-264.28	-973.81	-580.33	1,146.25
Cash Flow from Investing Activities	-7.81	228.38	-122.93	-41.39	12.17
Cash from Financing Activities	-10.61	157.06	1,873.34	625.62	-66.63
Net Cash Inflow / Outflow	-3.09	121.15	776.60	3.90	1,091.79

Ratios

Profitability Ratios

	Usha Financial Services	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin
ROCE (%)	13.54	14.79	12.15	9.44	6.28
ROE (%)	11.27	14.62	17.64	8.83	10.93
ROA (%)	11.71	7.07	3.70	2.09	3.48
EBIT Margin (%)	76.70	64.14	59.77	48.74	41.60
Net Margin (%)	33.89	33.22	15.81	9.85	15.41
Cash Profit Margin (%)	0.00	0.00	0.00	0.00	0.00

Growth Ratios

	Usha Financial Services	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin
Revenue Growth (%)	16.69	8.28	20.56	0.93	-1.50
EBIT Growth (%)	30.62	-1.62	55.44	155.20	647.85
Net Profit Growth (%)	68.26	1.05	296.19	174.47	127.76
EPS Growth (%)	68.26	0.76	296.20	174.47	118.05
Book Value Growth (%)	10.15	17.35	12.51	8.42	49.91

Valuation Ratios

	Usha Financial Services	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin
Price / Earnings	9.79	10.47	5.03	10.28	8.46
Price / Book Value	1.04	1.48	0.84	0.86	0.90
Dividend Yield (%)	0.00	0.50	0.00	0.00	0.00
EV/EBITDA	7.10	8.23	5.64	8.86	7.93
Market Cap (₹ Cr)	132.60	10,409.34	1,543.23	2,454.40	2,226.60

Solvency Ratios

	Usha Financial Services	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin
Debt to Equity	0.00	0.00	0.00	0.00	0.00
Short term debt to equity ratio	0.03	0.35	1.89	1.85	1.31
Current Ratio	2.02	1.94	1.24	1.26	1.41
Quick Ratio	2.02	1.94	1.24	1.26	1.41
Interest Coverage	2.50	3.06	1.53	1.34	1.36

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

Annual
Quarterly