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 ₹39.70, up +4.47% on NSE/BSE as of 7 August 2026. Usha Financial Services Ltd (USHAFIN) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹149.99 (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 6.68x, USHAFIN is currently trading below its industry average P/E of 22.18x. The company has a Return on Equity (ROE) of 10.19% and a debt-to-equity ratio of 0.77.
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
7 factors identified
Strong Operating Margins (73.68%)
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: 6.68 vs Industry: 22.18)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (568.37%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Consistent Growth Track Record (22.40% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Strong Profit Growth Track Record (42.22% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Balanced Promoter Holding (74.97%)
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
4 factors identified
Weak Interest Coverage (2.31x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-233.87 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Institutional Interest (FII+DII: 2.72%)
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 |
57.6/100 | ₹39.70₹40 | ₹149.99₹149.99 | 6.68Average 6.7 Average | 10.19%Average 10.19% Average | 13.46%Average 13.46% Average | 0.77Good 0.8 Good | 42.22%Excellent 42.22% Excellent | 22.40%Excellent 22.40% Excellent | 0.00% | |
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
Usha Financial Services Ltd Quarterly Performance
Latest quarterly metrics for USHAFIN — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
4.07%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
568.37%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
22.40%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
42.22%
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 ₹149.99 (Cr). Usha Financial Services Ltd has delivered a Return on Equity (ROE) of 10.19% and a ROCE of 13.46%. The debt-to-equity ratio stands at 0.77, reflecting the company's capital structure. Investors tracking USHAFIN share price can monitor key metrics including P/E ratio, promoter holding of 74.97%, 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 ₹39.70 on NSE. Market cap ₹149.99 (Cr). Educational data only.
What is the P/E ratio of Usha Financial Services Ltd?
Usha Financial Services Ltd has a P/E of 6.68x vs industry average 22.18x.
What is the Bull Run score for Usha Financial Services Ltd?
Usha Financial Services Ltd has a Bull Run score of 57.6/100 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 10.19%. 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 0.77.
Is Usha Financial Services Ltd a good investment?
Bull Run gives Usha Financial Services Ltd a score of 57.6/100. This is not investment advice — consult a SEBI-registered advisor.