Usha Financial Services Limited (NSE:USHAFIN)

Usha Financial Services Statistics

Total Valuation

NSE:USHAFIN has a market cap or net worth of INR 1.38 billion.

Market Cap	1.38B
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, May 21, 2026.

Earnings Date	May 21, 2026
Ex-Dividend Date	n/a

Share Statistics

NSE:USHAFIN has 43.48 million shares outstanding. The number of shares has increased by 123.30% in one year.

Current Share Class	43.48M
Shares Outstanding	43.48M
Shares Change (YoY)	+123.30%
Shares Change (QoQ)	+4.19%
Owned by Insiders (%)	49.63%
Owned by Institutions (%)	n/a
Float	11.07M

Valuation Ratios

The trailing PE ratio is 6.12.

PE Ratio	6.12
Forward PE	n/a
PS Ratio	2.87
PB Ratio	0.60
P/TBV Ratio	0.60
P/FCF Ratio	10.11
P/OCF Ratio	8.97
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 419.29, with a Debt / Equity ratio of 0.77.

Current Ratio	419.29
Quick Ratio	419.29
Debt / Equity	0.77
Debt / EBITDA	n/a
Debt / FCF	12.91
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.19% and return on invested capital (ROIC) is 5.61%.

Return on Equity (ROE)	10.19%
Return on Assets (ROA)	5.16%
Return on Invested Capital (ROIC)	5.61%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	40
Asset Turnover	0.11
Inventory Turnover	n/a

Taxes

In the past 12 months, NSE:USHAFIN has paid 80.82 million in taxes.

Income Tax	80.82M
Effective Tax Rate	26.46%

Stock Price Statistics

The stock price has decreased by -20.68% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-20.68%
50-Day Moving Average	31.43
200-Day Moving Average	38.52
Relative Strength Index (RSI)	48.85
Average Volume (20 Days)	14,640

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 479.28 million and earned 224.60 million in profits. Earnings per share was 5.17.

Revenue	479.28M
Gross Profit	479.28M
Operating Income	305.43M
Pretax Income	305.43M
Net Income	224.60M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	5.17

Balance Sheet

The company has 61.59 million in cash and 1.76 billion in debt, with a net cash position of -1.70 billion or -39.00 per share.

Cash & Cash Equivalents	61.59M
Total Debt	1.76B
Net Cash	-1.70B
Net Cash Per Share	-39.00
Equity (Book Value)	2.30B
Book Value Per Share	52.87
Working Capital	3.96B

Cash Flow

In the last 12 months, operating cash flow was 153.38 million and capital expenditures -17.32 million, giving a free cash flow of 136.06 million.

Operating Cash Flow	153.38M
Capital Expenditures	-17.32M
Depreciation & Amortization	15.93M
Net Borrowing	-92.89M
Free Cash Flow	136.06M
FCF Per Share	3.13

Margins

Gross margin is 100.00%, with operating and profit margins of 63.73% and 46.86%.

Gross Margin	100.00%
Operating Margin	63.73%
Pretax Margin	63.73%
Profit Margin	46.86%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	28.39%

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	-123.30%
Shareholder Yield	-123.30%
Earnings Yield	16.32%
FCF Yield	9.89%

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	5