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UGRO Capital Limited UGROCAP NSEFINANCIAL

Financial Services · Credit Services · India
https://www.ugrocapital.com

UGRO Capital Limited, a non-banking financial company, engages in the lending business in India. The company offers business loans to healthcare, education, chemicals, food processing/FMCG, hospitality, electrical equipment and components, auto components, textile, micro enterprises, and light engineering sectors. It also provides lending services for enterprise mortgages, school funding programs, machinery and equipment financing, and supply chain finance. In addition, it offers embedded finance; retailer and rooftop solar financing; electric vehicle financing; and loans against property and bank guarantee services. The company was formerly known as Chokhani Securities Limited and changed its name to UGRO Capital Limited in September 2018. The company was incorporated in 1993 and is based in Mumbai, India.

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₹97.63
-43.30% 1Y

Market & Price

Market Cap
₹1,491.94 Cr
Current Price
₹97.63
High / Low (52W)
₹189.95 / ₹81.30
Beta
0.33

Valuation

Stock P/E
7.41
Industry PE
19.12
Forward P/E
5.45
PEG Ratio
-
Book Value
₹215.52
Price to Book
0.45
P/S
1.74
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
5.75%
ROE
7.06%
ROA
1.50%
Profit Margin
20.39%
Op Margin
25.77%
EPS (Latest Qtr)
₹3.34
EPS (TTM)
₹13.18

Balance Sheet & Liquidity

Debt/Equity
3.75
Quick Ratio
59.54
Current Ratio
60.86
Debt
₹10,905.59 Cr
Total Assets
₹14,075.02 Cr
Current Assets
₹6,648.12 Cr
Working Capital
₹2,111.49 Cr

Ownership

Promoter Holding
49.16%
Chg in Prom Hold
-
FII / Inst Holding
14.53%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹10,475.14 Cr
Total Revenue (TTM)
₹857.43 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹213.53 Cr
Shares Outstanding
₹15.28 Cr
Gross Margin
100.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
42.36%
Profit 5Y
63.80%
Revenue (YoY)
56.10%
Earnings (YoY)
-17.70%

PROS

  • Excellent profit margin of 20.4%.
  • Compounding revenue at 42.4% over 5 years.
  • Profit CAGR of 63.8% over 5 years.

CONS

  • Trading 48.6% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 UGROCAP UGRO Capital Limited NSEFINANCIAL 97.63 7.41 ₹1,491.94 Cr - 5.75% 7.06% 42.36% 63.80%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -236.58 Cr322.19 Cr348.94 Cr354.69 Cr448.05 Cr
Cost of Revenue -10.62 Cr266.28 Cr285.85 Cr323.98 Cr374.51 Cr
Gross Profit -225.96 Cr55.91 Cr63.09 Cr30.71 Cr73.54 Cr
Operating Expenses --38.33 Cr-31.13 Cr-30.68 Cr73.46 Cr104.54 Cr
Operating Income -264.29 Cr87.03 Cr93.76 Cr-42.75 Cr-31.00 Cr
EBITDA -199.54 Cr99.81 Cr107.90 Cr-28.35 Cr-1.98 Cr
Interest Expense ------
Pretax Income -57.21 Cr48.17 Cr61.10 Cr62.99 Cr71.24 Cr
Tax Provision -16.66 Cr14.04 Cr17.79 Cr16.72 Cr20.14 Cr
Net Income -40.55 Cr34.13 Cr43.31 Cr46.27 Cr51.11 Cr
Diluted EPS 3.70-3.323.512.933.34

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -487.97 Cr706.96 Cr963.82 Cr1,407.86 Cr
Cost of Revenue -305.33 Cr476.78 Cr637.98 Cr924.48 Cr
Gross Profit -182.64 Cr230.18 Cr325.84 Cr483.38 Cr
Operating Expenses --42.48 Cr-133.63 Cr-164.61 Cr-116.47 Cr
Operating Income -225.12 Cr363.81 Cr490.45 Cr599.85 Cr
EBITDA -221.28 Cr350.11 Cr458.84 Cr619.02 Cr
Interest Expense -119.81 Cr136.01 Cr209.34 Cr305.19 Cr
Pretax Income -83.83 Cr178.76 Cr203.12 Cr243.50 Cr
Tax Provision -44.05 Cr59.42 Cr59.19 Cr68.69 Cr
Net Income -39.78 Cr119.34 Cr143.93 Cr174.81 Cr
Diluted EPS 2.015.5512.9314.41-

Compounded Sales Growth

5 Years:42.36%
1 Year:56.10%

Compounded Profit Growth

5 Years:63.80%
1 Year:-17.70%

Stock Price Performance

1 Year:-43.30%
6 Months:-44.17%
3 Months:-17.09%
1 Month:-10.35%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -4,305.59 Cr6,279.98 Cr9,168.31 Cr14,075.02 Cr
Current Assets -1,695.83 Cr2,654.65 Cr3,816.00 Cr6,648.12 Cr
Cash & Equivalents -40.15 Cr88.35 Cr189.24 Cr1,272.35 Cr
Inventory -----
Receivables -----
Total Liabilities -3,321.54 Cr4,841.62 Cr7,121.92 Cr11,169.00 Cr
Current Liabilities -1,615.69 Cr1,823.18 Cr2,724.14 Cr4,536.62 Cr
Long Term Debt -1,668.31 Cr2,964.28 Cr4,299.08 Cr6,482.12 Cr
Total Debt -3,148.93 Cr4,653.25 Cr6,904.12 Cr10,782.28 Cr
Total Equity -984.04 Cr1,438.36 Cr2,046.39 Cr2,906.02 Cr
Shares Outstanding -7.20 Cr9.47 Cr9.51 Cr15.53 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --1,220.43 Cr-1,534.95 Cr-2,474.03 Cr213.53 Cr
Investing Cash Flow --84.54 Cr-230.45 Cr-79.92 Cr-1,964.30 Cr
Financing Cash Flow -1,279.37 Cr1,813.60 Cr2,654.89 Cr2,750.98 Cr
Capital Expenditure --40.90 Cr-40.40 Cr-52.91 Cr-43.01 Cr
Free Cash Flow --1,261.33 Cr-1,575.34 Cr-2,526.94 Cr170.52 Cr
Net Change in Cash --25.60 Cr48.20 Cr100.94 Cr1,000.21 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -37.4%32.6%33.8%34.3%
Operating Margin % -46.1%51.5%50.9%42.6%
Net Margin % -8.2%16.9%14.9%12.4%
ROE % -4.0%8.3%7.0%6.0%
ROCE % -8.4%8.2%7.6%6.3%

Shareholding Pattern

Insiders
49.16%
Institutions
14.53%
Public Float
28.59%

Analyst View

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