Usha Financial Services Ltd Stock Price Today (NSE: USHAFIN)
Usha Financial Services Ltd
Fundamental Score
Usha Financial Services Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Usha Financial Services Ltd share price today is ₹32.65, up +0.00% on NSE/BSE as of 19 June 2026. Usha Financial Services Ltd (USHAFIN) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹164.12 (Cr). The 52-week high for USHAFIN share price is ₹50.50 and the 52-week low is ₹27.55. At a P/E ratio of 9.08x, USHAFIN is currently trading below its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 8.70% and a debt-to-equity ratio of 0.80.
Usha Financial Services Ltd Share Price Chart — NSE/BSE Historical Performance
Usha Financial Services Ltd share price chart: 7.22% return over the past month. 52-week high ₹50.50, 52-week low ₹27.55.
Usha Financial Services Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹33.70 | ₹33.70 | ₹32.25 | ₹32.65 | 17.60K (Cr) | |
| ₹29.30 | ₹30.75 | ₹29.25 | ₹30.00 | 28.80K (Cr) | |
| ₹32.35 | ₹32.35 | ₹31.55 | ₹31.55 | 4.80K (Cr) | |
| ₹33.55 | ₹33.55 | ₹30.45 | ₹30.45 | 14.40K (Cr) | |
| ₹34.10 | ₹34.10 | ₹34.10 | ₹34.10 | 1.60K (Cr) | |
| ₹31.80 | ₹31.85 | ₹31.80 | ₹31.85 | 3.20K (Cr) | |
| ₹31.00 | ₹31.25 | ₹30.50 | ₹30.75 | 12.80K (Cr) | |
| ₹31.40 | ₹31.50 | ₹31.40 | ₹31.50 | 6.40K (Cr) | |
| ₹33.05 | ₹33.05 | ₹31.25 | ₹31.40 | 9.60K (Cr) | |
| ₹28.25 | ₹28.45 | ₹28.25 | ₹28.45 | 9.60K (Cr) |
Usha Financial Services Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹32.35 | ₹33.70 | ₹29.25 | ₹32.65 | +0.93% | |
| ₹31.80 | ₹34.10 | ₹30.45 | ₹30.45 | -4.25% | |
| ₹33.05 | ₹33.05 | ₹30.50 | ₹30.75 | -6.96% | |
| ₹31.00 | ₹31.85 | ₹28.25 | ₹28.45 | -8.23% | |
| ₹40.20 | ₹42.00 | ₹27.55 | ₹28.80 | -28.36% | |
| ₹37.05 | ₹45.00 | ₹34.10 | ₹40.00 | +7.96% | |
| ₹42.85 | ₹45.00 | ₹39.15 | ₹39.25 | -8.40% | |
| ₹44.55 | ₹50.10 | ₹40.60 | ₹48.00 | +7.74% | |
| ₹46.95 | ₹50.50 | ₹46.55 | ₹49.00 | +4.37% |
AI Research Briefing
Powered by Gemini · 2026-04-09
A micro-cap NBFC walking a tightrope; avoid unless you're betting on a highly improbable turnaround.
WHAT'S HAPPENING NOW (last 2-4 weeks)
Usha Financial Services has seen mixed market sentiment. Markets Mojo downgraded the stock to 'Sell'. However, Usha Financial's valuation shift enhances price attractiveness amid mixed returns. The company held board meetings on March 19 and March 28, 2026, to consider fund raising.
CORE STORY (THE REAL GAME)
A micro-cap NBFC trying to navigate a tough lending environment. This isn't a growth story; it's a value/turnaround play dependent on successful capital raises and improved financial performance.
- Valuation is cheap relative to peers.
- Recent outperformance vs. Sensex.
- Potential for fund raising.
- Successful capital raise.
- Significant improvement in quarterly earnings.
- Upgrade from rating agencies.
- Micro/SME cap - liquidity risk.
- Negative free cash flow.
- Downgraded to 'Sell'.
FII decreased holding by 2.07%. DII decreased holding by 0.05%. Promoter holding decreased slightly by 0.06%.
NBFCs face headwinds from potential inflation and global uncertainty.
No major news found after live search.
No, Free Cash Flow 5Y: ₹-255.37 Cr.
Usha Financial needs to improve its financial performance and raise capital to avoid distress. A turnaround is possible, but highly unlikely in the next 3-6 months.
Primary Thesis Risk
Inability to raise capital or improve financial performance will lead to collapse.
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
Usha Financial Services 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
Usha Financial Services Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of USHAFIN across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (71.03%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 9.08 vs Industry: 22.03)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (84.92%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Revenue Growth (29.46%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Balanced Promoter Holding (74.48%)
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
7 factors identified
Below-Average Return on Equity (8.70%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Limited Growth History (3.27% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities.
Stagnant Profit Growth (4.24% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
Weak Interest Coverage (1.96x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-255.37 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Institutional Interest (FII+DII: 4.12%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Usha Financial Services Ltd vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare Usha Financial Services 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 |
49.2/100 | ₹32.65₹33 | ₹164.12₹164.12 | 9.08Average 9.1 Average | 8.70%Poor 8.70% Poor | 12.38%Average 12.38% Average | 0.80Good 0.8 Good | 4.24%Average 4.24% Average | 3.27%Average 3.27% Average | 0.00% | |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 61.2/100 | ₹889.05₹889 | ₹635285.77₹635285.77 | 34.71Average 34.7 Average | 19.22%Good 19.22% Good | 11.35%Average 11.35% Average | 3.85Poor 3.9 Poor | 25.91%Excellent 25.91% Excellent | 21.46%Excellent 21.46% Excellent | 0.43% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.1/100 | ₹919.05₹919 | ₹160454.76₹160454.76 | 18.32Average 18.3 Average | 15.57%Good 15.57% Good | 10.95%Average 10.95% Average | 3.87Poor 3.9 Poor | 26.73%Excellent 26.73% Excellent | 21.55%Excellent 21.55% Excellent | 1.16% |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 58.9/100 | ₹3246.40₹3246 | ₹153050.66₹153050.66 | 20.96Average 21.0 Average | 19.58%Good 19.58% Good | 13.19%Average 13.19% Average | 3.76Poor 3.8 Poor | 11.18%Good 11.18% Good | 15.86%Excellent 15.86% Excellent | 0.68% |
62.5/100 | ₹1492.90₹1493 | ₹145498.76₹145498.76 | 31.32Average 31.3 Average | 19.71%Good 19.71% Good | 10.34%Average 10.34% Average | 7.23Poor 7.2 Poor | 32.25%Excellent 32.25% Excellent | 24.29%Excellent 24.29% Excellent | 0.12% | |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 38.2/100 | ₹615.95₹616 | ₹83417.35₹83417.35 | 43.49Average 43.5 Average | 14.82%Average 14.82% Average | 10.40%Average 10.40% Average | 3.33Poor 3.3 Poor | 9.01%Good 9.01% Good | 14.26%Good 14.26% Good | 0.29% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 35/100 | ₹271.25₹271 | ₹77417.35₹77417.35 | 28.69Average 28.7 Average | 10.79%Average 10.79% Average | 8.71%Poor 8.71% Poor | 3.72Poor 3.7 Poor | 9.23%Good 9.23% Good | 2.46%Average 2.46% Average | 0.89% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 25.3/100 | ₹660.05₹660 | ₹63088.80₹63088.80 | 29.31Average 29.3 Average | 14.72%Average 14.72% Average | 9.79%Poor 9.79% Poor | 4.68Poor 4.7 Poor | — — | — — | 0.26% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 36.5/100 | ₹4212.80₹4213 | ₹52888.17₹52888.17 | 26.82Average 26.8 Average | 15.27%Good 15.27% Good | 9.64%Poor 9.64% Poor | 4.35Poor 4.3 Poor | 18.93%Excellent 18.93% Excellent | 12.58%Good 12.58% Good | 0.74% |
58/100 | ₹457.95₹458 | ₹44785.81₹44785.81 | 11.15Average 11.2 Average | 34.14%Excellent 34.14% Excellent | 30.85%Excellent 30.85% Excellent | 0.17Excellent 0.2 Excellent | 208.59%Excellent 208.59% Excellent | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 35.4/100 | ₹392.25₹392 | ₹39398.34₹39398.34 | 180.84Average 180.8 Average | -1.28%Poor -1.28% Poor | 4.77%Poor 4.77% Poor | 3.64Poor 3.6 Poor | — — | 10.76%Good 10.76% Good | 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 price635285.77 Cr
- Shriram Finance Ltd share price160454.76 Cr
- Muthoot Finance Ltd share price153050.66 Cr
- Cholamandalam Investment and Finance Company Limited share price145498.76 Cr
- SBI Cards and Payment Services Ltd share price83417.35 Cr
Usha Financial Services Ltd Quarterly Performance
Latest quarterly metrics for USHAFIN — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
29.46%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
84.92%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
3.27%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
4.24%
Compounded annual net profit growth over 5 years
Usha Financial Services Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for USHAFIN — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Usha Financial Services Ltd Financial Statements
Annual income statement, balance sheet and cash flow for Usha Financial Services Ltd (USHAFIN) — sourced from NSE/BSE filings.
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About USHAFIN (Usha Financial Services Ltd)
Usha Financial Services Ltd (USHAFIN) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Non Banking Financial Com...pany (NBFC) sector with a current market capitalisation of ₹164.12 (Cr). Usha Financial Services Ltd has delivered a Return on Equity (ROE) of 8.70% and a ROCE of 12.38%. The debt-to-equity ratio stands at 0.80, reflecting the company's capital structure. Investors tracking USHAFIN share price can monitor key metrics including P/E ratio, promoter holding of 74.48%, and quarterly earnings growth.
Company Details
USHAFIN Share Price: Frequently Asked Questions
What is the current share price of Usha Financial Services Ltd?
Usha Financial Services Ltd (USHAFIN) trades at ₹32.65 on NSE. Market cap ₹164.12 (Cr). Educational data only.
What is the P/E ratio of Usha Financial Services Ltd?
Usha Financial Services Ltd has a P/E of 9.08x vs industry average 22.03x.
What is the Bull Run score for Usha Financial Services Ltd?
Usha Financial Services Ltd has a Bull Run score of 49.2/100 based on 25+ financial parameters.
Does Usha Financial Services Ltd pay dividends?
Usha Financial Services Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Usha Financial Services Ltd?
Usha Financial Services Ltd has ROE of 8.70%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Usha Financial Services Ltd?
Usha Financial Services Ltd has debt-to-equity of 0.80.
Is Usha Financial Services Ltd a good investment?
Bull Run gives Usha Financial Services Ltd a score of 49.2/100. This is not investment advice — consult a SEBI-registered advisor.