Usha Financial Services Ltd Stock Price Today (NSE: USHAFIN)
Usha Financial Services Ltd
Fundamental Score
Usha Financial Services Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Usha Financial Services Ltd share price today is ₹28.45, up +0.00% on NSE/BSE as of 17 February 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 ₹N/A and the 52-week low is ₹N/A. 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
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Usha Financial Services Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Usha Financial Services Share Price: A Conservative Value Investor's Analysis
The Non-Banking Financial Company (NBFC) sector in India is currently experiencing a period of increased scrutiny due to tighter regulatory oversight and rising borrowing costs. This environment demands a cautious, value-oriented approach when evaluating individual companies. This analysis assesses the financial health of Usha Financial Services share price from a capital safety perspective, focusing on key metrics that underpin its potential long-term stability.
Currently trading at ₹29.049999 with a Price-to-Earnings (PE) ratio of 9.08, Usha Financial Services appears potentially undervalued relative to the broader market. However, a low PE alone doesn't guarantee investment safety. It's crucial to examine the company's underlying financial strength and management quality. In contrast to some peers like
Apollo Finvest, whose management teams might be perceived as more aggressive in their growth strategies, Usha Financial Services appears to adopt a more conservative lending approach, prioritizing asset quality over rapid expansion. This is purely an observation based on publicly available information.A crucial indicator of a company's ability to generate sustainable returns is its Return on Capital Employed (ROCE). Usha Financial Services boasts a ROCE of 12.38%. This metric highlights the company's efficiency in deploying capital to generate profits. The higher the ROCE, the stronger the company's potential economic moat. In Usha Financial Services’ case, this 12.38% ROCE indicates a reasonable capacity to reinvest profits and maintain a competitive edge, but a deeper dive into the sustainability of this ROCE is crucial. Further, observation of competitors like Bengal & Assam and Fedders Holding Ltd reveals a potentially wide variance in capital allocation efficiency within this niche sector.
Ultimately, capital preservation hinges on thorough due diligence. This analysis forms part of a broader 80-parameter fundamental audit, verified by Sweta Mishra, focusing on balance sheet strength, cash flow generation, and corporate governance. A holistic review is crucial to ensure that Usha Financial Services exhibits the financial resilience required to navigate the current economic climate and deliver sustainable, risk-adjusted returns over the long term. We do not offer any buy/sell recommendations.
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 Financial Statements
Comprehensive financial data for Usha Financial Services Ltd including income statement, balance sheet and cash flow
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 Company (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 (USHAFIN)?
As of 17 Feb 2026, 10:25 am IST, Usha Financial Services Ltd share price is ₹28.45. The USHAFIN stock has a market capitalisation of ₹164.12 (Cr) on NSE/BSE.
Is USHAFIN share price Overvalued or Undervalued?
USHAFIN share price is currently trading at a P/E ratio of 9.08x, compared to the industry average of 22.03x. Based on this relative valuation, the Usha Financial Services Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of USHAFIN share price?
The 52-week high of USHAFIN share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Usha Financial Services Ltd share price?
Key factors influencing USHAFIN share price include quarterly earnings growth (Sales Growth: 29.46%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Usha Financial Services Ltd a good stock for long-term investment?
Usha Financial Services Ltd shows a 5-year Profit Growth of 4.24% and an ROE of 8.70%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.80 before investing in USHAFIN shares.
How does Usha Financial Services Ltd compare with its industry peers?
Usha Financial Services Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare USHAFIN share price P/E of 9.08x and ROE of 8.70% against the industry averages to determine competitive standing.
What is the P/E ratio of USHAFIN and what does it mean?
USHAFIN share price has a P/E ratio of 9.08x compared to the industry average of 22.03x. Investors pay ₹9 for every ₹1 of annual earnings.
How is USHAFIN performing according to Bull Run's analysis?
USHAFIN has a Bull Run fundamental score of 49.2/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does USHAFIN belong to?
USHAFIN operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Usha Financial Services Ltd share price.
What is Return on Equity (ROE) and why is it important for USHAFIN?
USHAFIN has an ROE of 8.70%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Usha Financial Services Ltd generates profits from shareholders capital.
How is USHAFIN debt-to-equity ratio and what does it indicate?
USHAFIN has a debt-to-equity ratio of 0.80, which indicates moderate leverage that should be monitored.
What is USHAFIN dividend yield and is it a good dividend stock?
USHAFIN offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Usha Financial Services Ltd shares.
How has USHAFIN share price grown over the past 5 years?
USHAFIN has achieved 5-year growth rates of: Sales Growth 3.27%, Profit Growth 4.24%, and EPS Growth N/A%.
What is the promoter holding in USHAFIN and why does it matter?
Promoters hold 74.48% of USHAFIN shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Usha Financial Services Ltd.
What is USHAFIN market capitalisation category?
USHAFIN has a market capitalisation of ₹164 crores, placing it in the Small-cap category.
How volatile is USHAFIN stock?
USHAFIN has a beta of N/A. A beta > 1 suggests the Usha Financial Services Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is USHAFIN operating profit margin trend?
USHAFIN has a 5-year average Operating Profit Margin (OPM) of 71.03%, indicating the company's operational efficiency.
How is USHAFIN quarterly performance?
Recent quarterly performance shows Usha Financial Services Ltd YoY Sales Growth of 29.46% and YoY Profit Growth of 84.92%.
What is the institutional holding pattern in USHAFIN?
USHAFIN has FII holding of 3.56% and DII holding of 0.56%. Significant institutional holding often suggests professional confidence in the Usha Financial Services Ltd stock.