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About
Ugro Capital Ltd (UGROCAP)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511742 NSE: UGROCAP Finance - NBFC | Small Cap | Ugro Capital Share Price
₹83.96 0.48 (0.57%)
As on 18-Sep'26 16:59
Ugro Capital Ltd (UGROCAP)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511742 NSE: UGROCAP Finance - NBFC | Small Cap | Ugro Capital Share Price
₹83.96 0.48 (0.57%)
As on 18-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹1,304 Cr.
Current Price
₹84
52-Week Low / High
₹80 / 193
TTM EPS
₹11.3
Book Value per Share
₹190.8
P/E Ratio
7.46
Lower than its 5-year historical median
Industry PE
26.9
Price to Book (P/B)
0.44
Lower than its 5-year historical median
EV/EBITDA
8.12
Lower than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
6.04%
Return on Capital Employed (ROCE)
8.75%
Return on Assets (ROA)
1.23%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
12.44%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
-2.61%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
2.24%
TTM Sales
₹1,937 Cr.
Reserves
₹2,808 Cr.
Equity
₹155.3 Cr.
Face Value
₹10
All Time Low / High
₹0.10 / 352.67
Check Before You Invest
Quality
Not GoodValuation
UndervaluedCheck Valuation charts
Price Trend
Weak
Is Ugro Capital Ltd a good quality company?
Ugro Capital Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Ugro Capital Ltd performance compare with that of its Peers?
AUM Growth of Ugro Capital Ltd vs Industry Peers?
Ugro Capital Ltd AUM CAGR is %, compared to the 0-year industry median CAGR of %, indicating stable growth and maintaining its market share.
Promoter shareholding and pledge status of Ugro Capital Ltd?
Promoters hold 2.88% of the Ugro Capital Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Ugro Capital Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 13.6% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Ugro Capital Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 0.1 | 3.5 | 38.9 | 96.7 | 150 | 306 | 656 | 1,048 | 1,396 | 1,766 | 1,770 | |
| YoY Gr. Rt. % | - | 2466.4% | 1007.4% | 148.3% | 54.9% | 104.5% | 114.3% | 59.6% | 33.2% | 26.5% | - | |
| Adj EPS (₹ ) | 4.1 | 6.2 | 1.7 | 2.7 | 4 | 2 | 5.6 | 12.8 | 15.3 | 7.4 | 9 | |
| YoY Gr. Rt. % | - | 51.1% | -73.3% | 63.3% | 47.2% | -49.4% | 178.2% | 127.2% | 20.1% | -51.6% | - | |
| BVPS (₹ ) | 71 | 77.2 | 329.1 | 127.1 | 131.1 | 133.6 | 138.4 | 153.1 | 190.3 | 185.3 | 186.4 | |
| YoY Gr. Rt. % | - | 8.7% | 326.1% | -61.4% | 3.2% | 1.9% | 3.6% | 10.6% | 24.2% | -2.6% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 5.9 | 8.4 | 0.9 | 1.9 | 2 | 0.6 | 1.1 | 2.3 | 1.9 | 1.1 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 186.2% | 63.8% | 39.1% | 26.5% | ||||
| Adj EPS | 6.8% | 13.2% | 9.7% | -51.6% | ||||
| BVPS | 11.2% | 7.2% | 10.2% | -2.6% | ||||
| Share Price | 14.1% | -7.5% | -33.9% | -50% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 1438.7 | 84.8 | 10.1 | 20.2 | 19.2 | 4.8 | 6.1 | 11.4 | 10.3 | 6.4 | 7.9 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 6 | 8.4 | 1 | 2.3 | 3.1 | 1.5 | 4.1 | 9.9 | 9 | 4.9 | 4.8 | |
Valuation of Ugro Capital - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 11.53 | 11.53 | 9.77 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'26 |
|---|---|
| Income + | 2,021 |
| Exceptional Items ⓘ | 84 |
| Expenditure ⓘ + | 1,778 |
| Exceptional Items ⓘ | 0 |
| Profit Before Tax ⓘ | 244 |
| Taxes ⓘ | 69 |
| Profit After Tax | 175 |
| Adjusted EPS (₹) | 11.4 |
| Dividend Payout Ratio (%) | 0% |
| PARTICULARS | Mar'26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 2,906 | |||||||||
| Short term borrowings | 4,300 | |||||||||
| Long Term Borrowings | 6,632 | |||||||||
| Current Liabilities | 4,633 | |||||||||
| Trade Payables | 45 | |||||||||
| Other Liabilities | -4,345 | |||||||||
| Total Liabilities ⓘ | 14,171 | |||||||||
Assets | ||||||||||
| Non Current Asset + | 11,157 | |||||||||
| Current Asset + | 3,014 | |||||||||
| Total Assets ⓘ | 14,171 | |||||||||
| PARTICULARS | Mar'26 |
|---|---|
| Cash Flow From Operating Activity ⓘ | 214 |
| Cash Flow From Investing Activity ⓘ | -1,964 |
| Cash Flow From Financing Activity ⓘ | 2,751 |
| Net Cash Flow ⓘ | 1,000 |
| PARTICULARS | Mar'26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 11.40 | |||||||||
| DPS (₹) | 0 | |||||||||
| BVPS (₹) | 189.3 | |||||||||
Performance Ratios | ||||||||||
| ROA (%) | 1.2 | |||||||||
| ROE (%) | 6.0 | |||||||||
| ROCE (%) | 8.8 | |||||||||
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.4 | |||||||||
Top 5 Mutual Funds Holding
Last Visited Stocks
Announcements
Ugro Capital Ltd FAQs
The current trading price of Ugro Capital on 18-Sep-2026 16:59 is ₹83.96.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 17-Sep-2026 the market cap of Ugro Capital stood at ₹1,303.8 Cr
The latest P/E ratio of Ugro Capital as of 17-Sep-2026 is 9.32.
The latest P/B ratio of Ugro Capital as of 17-Sep-2026 is 0.45.
The 52-week high of Ugro Capital is ₹192.7 and the 52-week low is ₹80.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Ugro Capital is ₹1,770 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Ugro Capital Ltd is a below average quality company.
The key valuation ratios of Ugro Capital Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Ugro Capital Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
About Ugro Capital Ltd
UGRO Capital was incorporated as Chokhani Securities in 1993 and subsequently listed on the BSE in 1995. Shachindra Nath, the Executive Chairman and Managing Director, acquired the Company in July 2018, and the company was subsequently renamed and recapitalized as UGRO Capital Limited.
The company is a Data Tech Lending platform which solve the small business credit gap in India with the help of its formidable distribution reach and Data-tech approach. The company is backed by marquee Private Equity funds and family offices.
It is technology focused, small business lending platform. It is focused on addressing capital needs of small businesses by providing customized loan solutions. It strives to build a strong SME financing platform based on sectoral understanding supplemented by a fully integrated technology and analytics platform.
The company’s ability of Data Analytics and strong Technology architecture allows for customized sourcing platforms for each sourcing channel. GRO Plus module which has uberized intermediated sourcing, GRO Chain, a supply chain financing platform with automated end to end approval and flow of invoices, GRO Xstream platform for co-lending, an upstream and downstream integration with fintechs and liability providers and GRO Xapplication to deliver embedded financing option to MSMEs.
The credit scoring model GRO Score (2.0) a statistical framework using AI / ML driven statistical model to risk rank customers is revolutionizing the MSME credit by providing on-tap financing like consumer financing in India UGRO has pioneered the ‘Lending as a Service’ (LaaS) model in India and has effectively operationalized Co-lending relationship with various Large Public Sector Banks and large NBFCs and built a sizeable LaaS book of more than 15% of its AUM through the GRO Xstream platform.
Business area of the company
The company is engaged in the business of lending and primarily deals in financing MSME sector with focus on Healthcare, Education, Chemicals, Food Processing/FMCG, Hospitality, Electrical Equipment & Components, Auto Components and Light Engineering segments.
Loan products
- Business Loans- Secured
- Business Loans- Unsecured
- Plant & Machinery Loan
- Supply Chain Finance
- GRO X
Awards and recognition
Financial Year 2019-20
- India NBFC Summit Awards by Perfios 2019 Category: Rising Star of The Year
- Companies & Education Awards Category: The Most 2019 Trusted Company, Emerging NBFC
- World BFSI Congress Awards by ET NOW Categories: Financial Services, FinTech & Loan
- The Finnoviti Award 2020 by Banking Frontiers, partnered by Deloitte Category: Business Model-Innovation
- 4th Edition of IGBL Awards 2018-19 Category: India's Greatest Leader 2018-19
- 4th Edition of IGBL Awards 2018-19 Category: India's Greatest Brand 2018-19
Financial Year 2020-21
- Top 5 Digital Lending Companies for MSMEs recognised by BW Disrupt
- ET Best BFSI Brand of the Year Award for FinTech Category
- Best MSME Lending Company by World Leadership Congress & Awards
- Best Use of Data Science in Lending by World Leadership Congress & Awards
- Top 5 Fintech MSME Lending Companies recognised by IBS Intelligence
- Quick Loan Approval Award by National Awards for Excellence in Financial Services Marketing
- Best Lending Tech of the Year Award by National Awards for Excellence in Financial Services Marketing
- Best Tech Platform Award by The Internet Entrepreneur Awards (Fintech)
Financial Year 2021-22
- Rising star SME finance company of the year 2022 presented by Expleo
- Best use of data and analytics lending finance company 2022 presented by Expleo
- Best use of data science in lending 2021 presented by World Leadership Awards
- Best use of data analytics 2021 presented by BFSI Excellence Awards
- One of the best BFSI brands 2021 presented by The Economic Times
- Best mobile app initiative 2021 presented by DNA (Distinguished NBFC Awards).
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