Upsurge Investment & Finance Ltd Stock Price Today (NSE: UPSURGE)
Upsurge Investment & Finance Ltd
Fundamental Score
Upsurge Investment & Finance Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Upsurge Investment & Finance Ltd share price today is ₹77.50, down 4.54% on NSE/BSE as of 7 August 2026. Upsurge Investment & Finance Ltd (UPSURGE) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹153.45 (Cr). The 52-week high for UPSURGE share price is ₹114.46 and the 52-week low is ₹56.00. At a P/E ratio of 47.51x, UPSURGE is currently trading above its industry average P/E of 22.18x. The company has a Return on Equity (ROE) of 2.91% and a debt-to-equity ratio of 0.04.
Upsurge Investment & Finance Ltd Share Price Chart — NSE/BSE Historical Performance
Upsurge Investment & Finance Ltd share price chart: 14.58% return over the past month. 52-week high ₹114.46, 52-week low ₹56.00.
Upsurge Investment & Finance Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹85.99 | ₹85.99 | ₹77.00 | ₹77.50 | 5.79K (Cr) | |
| ₹73.91 | ₹82.00 | ₹73.00 | ₹81.19 | 50.59K (Cr) | |
| ₹75.80 | ₹75.80 | ₹73.50 | ₹73.91 | 14.66K (Cr) | |
| ₹72.01 | ₹74.80 | ₹72.00 | ₹73.30 | 22.28K (Cr) | |
| ₹70.75 | ₹73.95 | ₹70.75 | ₹72.00 | 8.96K (Cr) | |
| ₹74.70 | ₹74.70 | ₹71.26 | ₹71.26 | 1.68K (Cr) | |
| ₹69.95 | ₹72.95 | ₹69.95 | ₹70.51 | 7.59K (Cr) | |
| ₹68.60 | ₹70.00 | ₹67.60 | ₹68.52 | 1.77K (Cr) | |
| ₹69.70 | ₹70.00 | ₹68.00 | ₹69.97 | 4.70K (Cr) | |
| ₹67.54 | ₹70.00 | ₹66.20 | ₹66.47 | 3.44K (Cr) |
Upsurge Investment & Finance Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹70.75 | ₹85.99 | ₹70.75 | ₹77.50 | +9.54% | |
| ₹61.49 | ₹75.49 | ₹60.60 | ₹71.26 | +15.89% | |
| ₹61.33 | ₹70.00 | ₹56.25 | ₹61.52 | +0.31% | |
| ₹61.37 | ₹68.01 | ₹60.25 | ₹61.09 | -0.46% | |
| ₹60.49 | ₹74.00 | ₹56.52 | ₹61.37 | +1.45% | |
| ₹72.05 | ₹73.80 | ₹56.00 | ₹57.02 | -20.86% | |
| ₹65.01 | ₹79.90 | ₹64.00 | ₹72.06 | +10.84% | |
| ₹68.10 | ₹74.65 | ₹62.00 | ₹68.52 | +0.62% | |
| ₹80.50 | ₹81.40 | ₹61.60 | ₹69.70 | -13.42% | |
| ₹92.89 | ₹92.89 | ₹75.00 | ₹80.99 | -12.81% | |
| ₹85.10 | ₹94.80 | ₹83.66 | ₹89.78 | +5.50% | |
| ₹104.90 | ₹108.70 | ₹84.00 | ₹85.10 | -18.88% |
AI Research Briefing
Powered by Gemini · 2026-04-10
Microcap NBFC facing headwinds; avoid until financials improve.
WHAT'S HAPPENING NOW (last 2-4 weeks)
Upsurge Investment & Finance Ltd. closed its trading window on April 1, 2026, in preparation for the release of its Q4 and full-year FY26 financial results. The specific date for the board meeting to approve these results is yet to be announced.
CORE STORY (THE REAL GAME)
This is a micro-cap NBFC trading on hopes of SME credit growth, but faces intense competition and regulatory headwinds.
- Trading window closed ahead of FY26 results
- Recent negative price momentum
- Strong Sell rating from MarketsMojo
- Positive surprise in FY26 results
- Significant order wins or contract announcements
- Relaxation of regulations for smaller NBFCs
- Micro/SME cap: significant liquidity risk
- Latest quarter YoY profit -89.99%, sales -41.93%
- Strong Sell rating
No significant FII/DII activity; promoter holding stable at 50.62%
RBI's new framework for NBFC classification could create regulatory uncertainty
Profit not converting to cash: Free Cash Flow 5Y: ₹-36.12 Cr
Next 3-6 months depend on FY26 results and ability to navigate regulatory changes; potential for significant volatility.
Primary Thesis Risk
Inability to improve profitability and manage regulatory risks.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Upsurge Investment & Finance Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Upsurge Investment & Finance Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of UPSURGE across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (16.74%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Consistent Growth Track Record (13.61% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Conservative Debt Levels (D/E: 0.04)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Interest Coverage (6.26x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk.
Balanced Promoter Holding (54.56%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
8 factors identified
Below-Average Return on Equity (2.91%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (5.25%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Premium Valuation Risk (P/E: 47.51x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Profit Decline Concern (-2109.68%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Revenue Contraction (-93.36%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Weak Earnings Growth (-24.47% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (-18.68% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
Negative Free Cash Flow (₹-59.36 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Upsurge Investment & Finance Ltd vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare Upsurge Investment & Finance Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Upsurge Investment & Finance LtdUpsurge Investm...Selected✓ UPSURGE • 531390 | 22.1/100 | ₹77.50₹78 | ₹153.45₹153.45 | 47.51Average 47.5 Average | 2.91%Poor 2.91% Poor | 5.25%Poor 5.25% Poor | 0.04Excellent 0.0 Excellent | -18.68%Poor -18.68% Poor | 13.61%Good 13.61% Good | 0.71% |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 62.4/100 | ₹1141.20₹1141 | ₹635919.89₹635919.89 | 33.08Average 33.1 Average | 18.25%Good 18.25% Good | 10.87%Average 10.87% Average | 3.82Poor 3.8 Poor | 34.15%Excellent 34.15% Excellent | 25.18%Excellent 25.18% Excellent | 0.53% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.8/100 | ₹1046.70₹1047 | ₹243379.83₹243379.83 | 24.27Average 24.3 Average | 16.39%Good 16.39% Good | 11.49%Average 11.49% Average | 3.80Poor 3.8 Poor | 32.03%Excellent 32.03% Excellent | 22.54%Excellent 22.54% Excellent | 1.04% |
65.8/100 | ₹1849.90₹1850 | ₹153802.44₹153802.44 | 29.36Average 29.4 Average | 19.35%Good 19.35% Good | 9.71%Poor 9.71% Poor | 6.93Poor 6.9 Poor | 28.05%Excellent 28.05% Excellent | 26.56%Excellent 26.56% Excellent | 0.11% | |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 73.9/100 | ₹3119.60₹3120 | ₹121113.00₹121113.00 | 11.44Average 11.4 Average | 30.92%Excellent 30.92% Excellent | 15.77%Good 15.77% Good | 3.88Poor 3.9 Poor | 22.71%Excellent 22.71% Excellent | 22.03%Excellent 22.03% Excellent | 0.99% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 55.2/100 | ₹311.25₹311 | ₹78301.66₹78301.66 | 24.45Average 24.4 Average | 11.22%Average 11.22% Average | 8.40%Poor 8.40% Poor | 3.94Poor 3.9 Poor | 32.35%Excellent 32.35% Excellent | 6.05%Good 6.05% Good | 0.88% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 54.3/100 | ₹686.35₹686 | ₹62415.22₹62415.22 | 22.61Average 22.6 Average | 13.94%Average 13.94% Average | 9.09%Poor 9.09% Poor | 4.80Poor 4.8 Poor | 45.37%Excellent 45.37% Excellent | 10.99%Good 10.99% Good | 0.53% |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 43.9/100 | ₹660.15₹660 | ₹60979.59₹60979.59 | 28.14Average 28.1 Average | 14.69%Average 14.69% Average | 10.10%Average 10.10% Average | 2.80Poor 2.8 Poor | 17.08%Excellent 17.08% Excellent | 16.43%Excellent 16.43% Excellent | 0.39% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 29.5/100 | ₹4665.60₹4666 | ₹50074.63₹50074.63 | 23.75Average 23.8 Average | 15.01%Good 15.01% Good | 9.44%Poor 9.44% Poor | 4.68Poor 4.7 Poor | 12.69%Good 12.69% Good | 13.23%Good 13.23% Good | 0.89% |
23.9/100 | ₹539.30₹539 | ₹42560.25₹42560.25 | 22.04Average 22.0 Average | 13.13%Average 13.13% Average | 13.67%Average 13.67% Average | 0.23Excellent 0.2 Excellent | — — | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 54.9/100 | ₹463.55₹464 | ₹41881.04₹41881.04 | 77.14Average 77.1 Average | 5.86%Poor 5.86% Poor | 7.51%Poor 7.51% Poor | 4.68Poor 4.7 Poor | 24.33%Excellent 24.33% Excellent | 23.97%Excellent 23.97% Excellent | 0.00% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635919.89 Cr
- Shriram Finance Ltd share price243379.83 Cr
- Cholamandalam Investment and Finance Company Limited share price153802.44 Cr
- Muthoot Finance Ltd share price121113.00 Cr
- L&T Finance Ltd share price78301.66 Cr
Upsurge Investment & Finance Ltd Quarterly Performance
Latest quarterly metrics for UPSURGE — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
-93.36%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
-2109.68%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
13.61%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
-18.68%
Compounded annual net profit growth over 5 years
Upsurge Investment & Finance Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for UPSURGE — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Upsurge Investment & Finance Ltd Financial Statements
Annual income statement, balance sheet and cash flow for Upsurge Investment & Finance Ltd (UPSURGE) — sourced from NSE/BSE filings.
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About UPSURGE (Upsurge Investment & Finance Ltd)
Upsurge Investment & Finance Ltd is a dynamic Non-Banking Financial Company (NBFC) committed to fueling growth and facilitating financial success for its diverse clientele. Special...izing in bespoke financial solutions, UPSURGE navigates the complexities of the Indian financial landscape to empower businesses and individuals alike. We focus on providing accessible and innovative financial services to bridge funding gaps and unlock potential across various sectors. Through a combination of strategic financial planning and robust risk management, UPSURGE strives to create lasting value and foster sustainable economic development in the communities we serve. We operate with a client-centric approach, building strong relationships based on trust and transparency, ensuring that our services align with the specific needs and objectives of each partner. At the core of UPSURGE lies a dedication to understanding the intricacies of modern finance and utilizing that expertise to deliver tangible results. We pride ourselves on our ability to offer tailor-made financial solutions that address the unique challenges faced by businesses and individuals. Our service portfolio encompasses a range of financial products and services designed to optimize capital structure, streamline operations, and drive revenue growth. From providing seed funding to facilitating debt restructuring, UPSURGE acts as a trusted partner in navigating the complexities of the financial ecosystem. Furthermore, we maintain a strong emphasis on adherence to regulatory compliance and ethical business practices, ensuring that our operations remain transparent and accountable. UPSURGE aspires to be a leader in the NBFC sector, known for its commitment to innovation, customer satisfaction, and financial integrity. We are driven by a passion for excellence and a commitment to supporting the growth of our clients and the broader economy. Our team of experienced professionals brings a wealth of knowledge and expertise to every project, enabling us to deliver superior results and foster long-term relationships. UPSURGE continuously seeks to refine its service offerings, adapting to the evolving needs of the market and embracing new technologies to enhance efficiency and accessibility. Our ultimate goal is to create a financial ecosystem that empowers individuals and businesses to achieve their aspirations and contribute to a thriving economy.
Company Details
Key Leadership
Corporate Events
Latest News
UPSURGE Share Price: Frequently Asked Questions
What is the current share price of Upsurge Investment & Finance Ltd?
Upsurge Investment & Finance Ltd (UPSURGE) trades at ₹77.50 on NSE and BSE. Market cap ₹153.45 (Cr). Educational data only.
What is the P/E ratio of Upsurge Investment & Finance Ltd?
Upsurge Investment & Finance Ltd has a P/E of 47.51x vs industry average 22.18x.
What is the Bull Run score for Upsurge Investment & Finance Ltd?
Upsurge Investment & Finance Ltd has a Bull Run score of 22.1/100 based on 25+ financial parameters.
Does Upsurge Investment & Finance Ltd pay dividends?
Upsurge Investment & Finance Ltd has a dividend yield of 0.71%. Past dividends don't guarantee future payments.
What is the ROE of Upsurge Investment & Finance Ltd?
Upsurge Investment & Finance Ltd has ROE of 2.91%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Upsurge Investment & Finance Ltd?
Upsurge Investment & Finance Ltd has debt-to-equity of 0.04.
Is Upsurge Investment & Finance Ltd a good investment?
Bull Run gives Upsurge Investment & Finance Ltd a score of 22.1/100. This is not investment advice — consult a SEBI-registered advisor.