Usha Financial Services Limited (NSE:USHAFIN)

Usha Financial Services Statistics

Total Valuation

NSE:USHAFIN has a market cap or net worth of INR 1.30 billion.

Market Cap	1.30B
Enterprise Value	n/a

Important Dates

The last earnings date was Friday, January 16, 2026.

Earnings Date	Jan 16, 2026
Ex-Dividend Date	n/a

Share Statistics

NSE:USHAFIN has 43.48 million shares outstanding. The number of shares has increased by 90.37% in one year.

Current Share Class	43.48M
Shares Outstanding	43.48M
Shares Change (YoY)	+90.37%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	49.63%
Owned by Institutions (%)	n/a
Float	11.07M

Valuation Ratios

The trailing PE ratio is 7.94.

PE Ratio	7.94
Forward PE	n/a
PS Ratio	4.19
PB Ratio	0.61
P/TBV Ratio	0.61
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 3.29, with a Debt / Equity ratio of 0.87.

Current Ratio	3.29
Quick Ratio	3.28
Debt / Equity	0.87
Debt / EBITDA	n/a
Debt / FCF	-1.89
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.70% and return on invested capital (ROIC) is 4.04%.

Return on Equity (ROE)	8.70%
Return on Assets (ROA)	3.56%
Return on Invested Capital (ROIC)	4.04%
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	7.74M
Profits Per Employee	3.45M
Employee Count	40
Asset Turnover	0.08
Inventory Turnover	n/a

Taxes

In the past 12 months, NSE:USHAFIN has paid 43.69 million in taxes.

Income Tax	43.69M
Effective Tax Rate	24.04%

Stock Price Statistics

The stock price has decreased by -38.84% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-38.84%
50-Day Moving Average	39.37
200-Day Moving Average	40.55
Relative Strength Index (RSI)	32.16
Average Volume (20 Days)	33,040

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, NSE:USHAFIN had revenue of INR 309.50 million and earned 138.01 million in profits. Earnings per share was 3.76.

Revenue	309.50M
Gross Profit	309.17M
Operating Income	181.70M
Pretax Income	181.70M
Net Income	138.01M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	3.76

Balance Sheet

The company has 57.17 million in cash and 1.85 billion in debt, with a net cash position of -1.79 billion or -41.16 per share.

Cash & Cash Equivalents	57.17M
Total Debt	1.85B
Net Cash	-1.79B
Net Cash Per Share	-41.16
Equity (Book Value)	2.11B
Book Value Per Share	48.57
Working Capital	2.94B

Cash Flow

In the last 12 months, operating cash flow was -925.64 million and capital expenditures -53.96 million, giving a free cash flow of -979.60 million.

Operating Cash Flow	-925.64M
Capital Expenditures	-53.96M
Free Cash Flow	-979.60M
FCF Per Share	-22.53

Margins

Gross margin is 99.89%, with operating and profit margins of 58.71% and 44.59%.

Gross Margin	99.89%
Operating Margin	58.71%
Pretax Margin	58.71%
Profit Margin	44.59%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

NSE:USHAFIN does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-90.37%
Shareholder Yield	-90.37%
Earnings Yield	10.63%
FCF Yield	-75.49%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number
Graham Upside

Stock Splits

The last stock split was on August 19, 2025. It was a forward split with a ratio of 2.

Last Split Date	Aug 19, 2025
Split Type	Forward
Split Ratio	2

Scores

Altman Z-Score	n/a
Piotroski F-Score	2