Usha Financial Services L
NSE: USHAFIN · Other · sector
₹51.95NSE close 2026-10-22
Key numbers
Market cap₹226 cr
Price₹51.95
52w high / low₹60 / ₹27
P/E9.0xSector median 14.4x
P/B1.0xSector median 1.7x
Book value₹52.8
Dividend yield–Sector median 0.37%
ROE12.0%Sector median 13.8%
ROA5.85%Sector median 5.91%
Gross NPA–
Net NPA–
CET1–
Sales growth 3y–Sector median +7.7%
Profit growth 3y–Sector median +16.6%
PEG–
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 688 companies in Other (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- No dividend in the last 2 financial years.
- Price ₹51.95 on 2026-10-22: -13.1% from the 52-week high, +94.2% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹142.70 · low ₹28.05
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Mar 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|
| Total income | 33 | 17 | 19 | 18 | 20 |
| Net interest income | – | 17 | 19 | 18 | 20 |
| Other income | 1 | 0 | 0 | 0 | 0 |
| Net profit | 9 | 4 | 7 | 7 | 8 |
| EPS (₹) | 4.20 | 0.91 | 1.52 | 1.51 | 1.85 |
| Revenue YoY | -38.6% | ||||
| Profit YoY | -8.3% |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY25 | FY26 | TTM |
|---|---|---|---|
| Revenue | 60 | 71 | 74 |
| Net profit | 14 | 22 | 25 |
| EPS (₹) | 7.52 | 5.17 | 5.79 |
| Revenue growth | +19.3% | – | |
| Profit growth | +62.8% | – | |
| Dividend / share (₹) | – | – |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | – | – | – |
| Net profit | – | – | – |
| EPS | – | – | – |
| Share price | – | – (2y) | +20.0% |
Balance sheet
| ₹ cr | FY25 | FY26 |
|---|---|---|
| Shareholders' equity | 189 | 230 |
| Borrowings | – | 122 |
| Cash & equivalents | 6 | 6 |
| Total assets | 440 | 430 |
| Fixed assets | 14 | 23 |
| Capital work in progress | – | 0 |
| Investments | 0 | – |
| Inventory | 0 | 0 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY25 | FY26 |
|---|---|---|
| Cash from operations | -93 | 15 |
| Cash from investing | -4 | -8 |
| Cash from financing | 95 | -11 |
| Capex | 5 | 2 |
| Free cash flow | -98 | 13 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY25 | FY26 |
|---|---|---|
| ROE % | 7.3% | 9.8% |
Peers in Other
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| TSFINV | ₹8,585 cr | 17.6x | 1.4x | 8.4% | 7.21% | – | +121.7% | 2.30% |
| KRISHANA | ₹6,339 cr | 39.9x | 11.3x | 41.6% | 11.99% | – | +95.7% | 0.05% |
| MARINE | ₹5,431 cr | 84.2x | 11.0x | 14.3% | 7.19% | – | +25.6% | 0.07% |
| ZOTA | ₹4,139 cr | – | 6.0x | -22.5% | -9.12% | – | +56.7% | 0.07% |
| AIMTRON | ₹3,319 cr | 71.7x | 17.1x | 28.0% | 10.96% | – | – | – |
| ACCORD | ₹2,984 cr | – | 261.7x | 12.4% | 6.91% | – | – | – |
| MONOLITH | ₹2,646 cr | 64.6x | 24.3x | 36.0% | 26.96% | – | – | – |
| UTSSAV | ₹2,390 cr | 40.2x | 14.1x | 43.4% | 14.46% | – | – | – |
| BETA | ₹2,200 cr | 40.6x | 5.0x | 16.4% | 8.13% | – | – | – |
| USHAFIN | ₹226 cr | 9.0x | 1.0x | 12.0% | 5.85% | – | – | – |
Documents
Links go to the original files on the exchange website.
About the company
| Sector | |
| Industry | Other |
| Sub-industry | |
| Symbol | USHAFIN |
| BSE code | – |
| ISIN | INE0LS001014 |
| Face value | ₹10.0 |
| Incorporated | – |
| Website | – |
| Plants (India / abroad) | – |
Data built 2026-10-23 from NSE company filings (XBRL: Integrated Filing - Financials + financial results); price = NSE close 2026-10-22.