UGRO Capital

₹72.03As of Sun 8 Nov 2026, 12:00 UTC

NSE:UGROCAPFinancials

Country India

PE (Fwd) 3.347

TSR 5Y CAGR (8.58%)

Div yield —

ROTE —

Credit Services

Beta (5Y) 0.33

PE TTM 5.503

TSR TTM (60.50%)

Mkt cap ₹10.82B

NIM —

SE Grade™

—

Value

Quality

—

Moat

—

1Y Price

Reference

₹79

9.23%

316.54%

Price below Reference Value

TTM

FYE 31 Mar INR

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026

FY2027E

Trend

10Y

Peers

10.67

Revenue₹B

—

1.749

3.904

6.387

8.140

10.67

13.94

57.16%

31.06

Revenue growth%

—

123.28

63.59

27.45

31.06

30.67

47.32

—

NIM%

—

57.55

Effic. R.%

—

71.64

64.00

53.82

53.79

57.55

57.31

57.55

—

16.39

Net margin%

—

8.32

10.19

18.69

17.68

16.39

16.44

16.39

5.503

P/E ratio (avg)x

—

90.08

29.07

19.35

17.14

10.96

4.196

19.35

—

P/TBVx

—

P/Bx

—

4.160

NII₹B

—

1.348

1.896

2.617

3.310

4.160

5.311

32.53%

—

25.65

NII grth%

—

40.66

38.00

26.49

25.65

27.69

32.25

—

ROTE%

—

Return on equity%

—

Return on assets%

—

13.09

EPS₹

—

2.05

5.66

13.20

14.31

13.09

17.17

59.04%

—

(8.50)

EPS growth%

—

176.42

133.46

8.34

(8.50)

31.14

70.90

—

Bookvalue per sh₹

—

TBV/sh₹

—

Dividend per sh₹

—

Div yield (avg)%

—

Payout ratio%

—

133.5

Shares (diluted)M

—

71.11

70.32

90.38

100.6

133.5

◌133.5

17.07%

(32.74)

Buyback yield%

—

1.11

(28.52)

(11.32)

(32.74)

◌—

(19.92)

—

Eq/Assets%

—

Assets₹M

—

LT debt₹M

—

Peers (US$116.4M)

Cap (US$)

PTC India Financial…

172.2M

9.042x

Finkurve Financial…

101.1M

29.38x

Hexa Tradex Limited

91.65M

573.4x

Finance of America…

117.5M

—

Capital

TTM

10Y

Tang eq%

—

LT debt%

—

Cash%

—

Sh yield%

(32.74)

(19.92)

Owners

Insiders/Inst%

3.11

17.86

Short interest%

—

SBC / revenue%

1.00

Record

10Y

Profitable years

5/5

Revenue growth years

4/4

EPS growth years

3/4

Dividend streakyrs

ROE range%

—

$1 testx

—

Incr. ROIC%

—

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.

Growth vs revenue

Latest

Trend

4Y CAGR

Rel growth

Revenue

₹10.67B

57.16%

1.00×

Non-interest expense

₹6.139B

48.79%

0.80×

Revenue mix

Trend

Non-interest income

61.01%

Net interest income

38.99%

Reinvestment returns

n/m

Trend

Retention rate

n/m

Return on capital

n/m

Spread over hurdle

n/m