Ugro Capital Ltd - Stock Valuation and Financial Performance

BSE: 511742 | NSE: UGROCAP | Finance - NBFC | Small Cap

Ugro Capital Share Price

216 -1.25 -0.58%
as on 28-Mar'24 16:01

DeciZen - make an informed investing decision on Ugro Capital

Overall Rating
Bole Toh

1. Quality

2. Valuation

Somewhat overvalued

3. Price Trend

Ugro Capital stock performance -

mw4me loader
P/E Ratio (SA):
20.24
Market Cap:
2,038.2 Cr.
52-wk low:
144
52-wk high:
319.9

Is Ugro Capital Ltd an attractive stock to invest in?

1. Is Ugro Capital Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Ugro Capital Ltd is a average quality company.

2. Is Ugro Capital Ltd undervalued or overvalued?

The key valuation ratios of Ugro Capital Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is Ugro Capital Ltd a good buy now?

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.

10 Year X-Ray of Ugro Capital:

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 end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

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 performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)5.30.10.80.13.544.196.7150306656935
YoY Gr. Rt. %--98.5%862.5%-81.8%2414.3%1154%119.1%54.9%104.5%114.3%-
Adj EPS (₹ ) 83.56.44.26.31.72.84.12.15.710.9
YoY Gr. Rt. %--56%79.7%-34%51%-73.3%63.9%46.9%-49.4%178.6%-
BVPS (₹ )58.662.268.272.578.8335.8129.7133.8136.4141.3151.6
YoY Gr. Rt. %-6%9.7%6.3%8.8%326.1%-61.4%3.2%1.9%3.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)14.25.69.75.98.40.91.920.61.10

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income70.7%184.5%89.4%114.3%
Adj EPS-3.7%-2%27.5%178.6%
BVPS10.3%12.4%2.9%3.6%
Share Price 28.2% 3.5% 20% 45.3%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)70.82206.2389.61438.784.88.920.219.24.86.110.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)14.75.99.868.412.33.11.54.17.2

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 7.40%

Total Income has increased 89.35 CAGR in last 3 years

Net Profit has increased 27.49 CAGR in last 3 years

Total income growth is good in last 4 quarters

No data to display

Latest Financials - Ugro Capital Ltd.

Standalone Consolidated
TTM EPS (₹) 10.9 -
TTM Sales (₹ Cr.) 935 -
BVPS (₹.) 151.6 -
Reserves (₹ Cr.) 1,314 -
P/BV 1.45 -
PE 20.24 -
From the Market
52 Week Low / High (₹) 144.00 / 319.85
All Time Low / High (₹) 0.10 / 359.90
Market Cap (₹ Cr.) 2,038
Equity (₹ Cr.) 92.8
Face Value (₹) 10
Industry PE 31

Management X-Ray of Ugro Capital:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Ugro Capital

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income6242449105153312684
Interest Income501044497150306656
Other Income 12320584627
Expenditure 1100044102141292600
Interest Expense 0000011445137293
Operating Expenses 10000377675121230
Provisions 00000612223477
Exceptional Items 00000-40000
Profit Before Tax 5232323122084
Taxes 20000-2-16-17644
Profit After Tax 42323420291540
Adjusted EPS (₹)8.03.56.44.26.31.72.84.12.15.7
Dividend Payout Ratio (%)0%0%0%0%0%207%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital2829323437800922952967984
Share Capital 555553771717169
Reserves 2325272932763851882896915
Minority Interest0000000000
Long Term Borrowings0000082087101,6993,080
Current Liabilities 20000276658160224
Trade Payables000006143714
Short term borrowings00000026146045
Other Liabilities0000027-40-17-67-59
Total Liabilities 29303234378681,1951,7202,8264,288

Assets

Non Current Asset 26152526332989611,3562,6214,044
Loan Asset 00000798321,2832,4513,806
Other Non Current Asset 261525263321912873170238
Current Asset 414884569235364205244
Current Investment00003107734000
Other Current Asset414881463162324205244
Total Assets 29303234378681,1951,7202,8264,288

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 24-109-41-86-799-347-1,125-1,220
Cash Flow From Investing Activity -2611-61-1-347179-4643-85
Cash Flow From Financing Activity 000007543085081,0231,279
Net Cash Flow -203-30321-312115-58-26
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)8464623426
DPS (₹)0000040000
BVPS (₹)5962687279336130134136141

Performance Ratios

ROA (%)14.25.69.75.98.40.91.92.00.61.1
ROE (%)14.75.99.86.08.41.02.33.11.54.1
ROCE (%)21.06.311.36.19.10.61.73.97.010.9

Valuation Parameters

Price/Book(x)0.30.30.30.41.00.50.80.91.21.0

Ugro Capital Ltd Stock News

Ugro Capital Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Ugro Capital on 28-Mar-2024 16:01 is ₹216.0.
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 28-Mar-2024 16:01 the market cap of Ugro Capital stood at ₹2,038.2.
The latest P/E ratio of Ugro Capital as of 28-Mar-2024 16:01 is 20.24.
The latest P/B ratio of Ugro Capital as of 28-Mar-2024 16:01 is 1.45.
The 52-week high of Ugro Capital is ₹319.9 and the 52-week low is ₹144.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Ugro Capital is ₹934.5 ( Cr.) .

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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