U GRO Capital limited is a technology-focused (data-centric & technology-enabled approach), small business lending platform. The company is focused on addressing the capital needs of small businesses operating in select eight sectors by providing customized loan solutions.[1]
Product OfferingsThe company offers supply chain financing, unsecured business loans, machinery loans, business loans secured by property, new age products, and micro enterprises loans.[1]
| S.No. | Name | Current Price (Rs.) | Price to Earning | Market Capitalization (Rs.Cr.) | Dividend yield (%) | Net Profit latest quarter (Rs.Cr.) | YOY Quarterly profit growth (%) | Sales latest quarter (Rs.Cr.) | YOY Quarterly sales growth (%) | Return on capital employed (%) | Sales (Rs.Cr.) | OPM (%) | Profit after tax (Rs.Cr.) | Profit after tax latest quarter (Rs.Cr.) | Price to book value | Return on assets (%) | Debt to equity |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Bajaj Finance | 950.25 | 32.30 | 591197.59 | 0.46 | 4947.76 | 21.89 | 20178.90 | 18.06 | 11.35 | 76194.74 | 68.48 | 18301.08 | 4875.36 | 5.73 | 3.99 | 3.85 |
| 2. | Shriram Finance | 995.45 | 21.45 | 187896.03 | 0.99 | 2314.16 | 12.22 | 11912.44 | 18.07 | 10.95 | 45601.30 | 72.59 | 8760.03 | 2314.22 | 3.09 | 3.04 | 3.87 |
| 3. | Muthoot Finance | 3936.10 | 21.64 | 158038.06 | 0.66 | 2411.65 | 90.36 | 7282.79 | 47.76 | 13.19 | 24544.40 | 75.96 | 7303.69 | 2420.63 | 4.82 | 4.67 | 3.76 |
| 4. | Tata Capital | 359.35 | 41.43 | 152474.92 | 0.00 | 1118.97 | 2.01 | 7737.18 | 7.69 | 9.58 | 28323.85 | 71.64 | 3658.33 | 1097.32 | – | 1.72 | 5.88 |
| 5. | Cholaman.Inv.&Fn | 1699.20 | 30.87 | 143389.94 | 0.12 | 1159.61 | 19.82 | 7491.38 | 19.76 | 10.34 | 28536.73 | 69.18 | 4645.19 | 1159.61 | 5.51 | 2.38 | 7.23 |
| 6. | SBI Cards | 839.65 | 41.65 | 79889.76 | 0.30 | 444.77 | 9.98 | 4960.98 | 12.21 | 10.40 | 19130.54 | 27.49 | 1918.14 | 444.77 | 5.40 | 3.10 | 3.33 |
| 7. | L&T Finance Ltd | 296.40 | 27.50 | 74200.78 | 0.93 | 734.88 | 5.64 | 4335.75 | 7.87 | 8.71 | 16715.82 | 60.77 | 2698.51 | 734.84 | 2.81 | 2.37 | 3.72 |
| 8. | Ugro Capital | 161.55 | 16.12 | 2506.67 | 0.00 | 43.31 | 21.93 | 455.40 | 37.93 | 11.05 | 1643.70 | 61.31 | 155.50 | 43.31 | 0.77 | 1.86 | 3.28 |
| – | Median: 96 Co. | 130.93 | 21.55 | 490.94 | 0.0 | 7.23 | 10.95 | 41.0 | 12.68 | 8.91 | 166.22 | 56.43 | 17.7 | 6.24 | 1.93 | 3.04 | 0.78 |
Standalone figures in ₹ crores
| Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | – | – | – | – | – | – | – | – | – | – | – | – | – |
Expenses | 64 | 81 | 87 | 82 | 99 | 107 | 136 | 113 | 139 | 152 | 161 | 156 | 167 |
Operating Profit | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Income | 6 | 8 | 8 | 5 | 9 | 12 | 8 | 10 | 13 | 14 | 9 | 8 | 6 |
Profit before tax | 18 | 22 | 34 | 36 | 41 | 46 | 56 | 43 | 50 | 53 | 57 | 48 | 61 |
Tax % | 70% | 41% | 58% | 29% | 29% | 30% | 42% | 29% | 29% | 29% | 29% | 29% | 29% |
Net Profit | 5 | 13 | 14 | 25 | 29 | 33 | 33 | 30 | 36 | 38 | 41 | 34 | 43 |
EPS in Rs | 0.59 | 1.47 | 1.57 | 2.16 | 2.47 | 2.78 | 2.78 | 2.58 | 3.02 | 3.18 | 3.44 | 2.92 | 3.71 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | – | – | – | – | – | – | – | – | – | – | – | – | – |
Expenses | 1 | 1 | 0 | 0 | 0 | 36 | 81 | 85 | 142 | 289 | 425 | 565 | 636 |
Operating Profit | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Income | 0 | 0 | 0 | 0 | 0 | -4 | 0 | 0 | 0 | 0 | 0 | 46 | 37 |
Interest | 0 | 0 | 0 | 0 | 0 | 1 | 14 | 45 | 137 | 293 | 443 | 628 | 772 |
Depreciation | 0 | 0 | 0 | 0 | 0 | 2 | 7 | 12 | 12 | 18 | 35 | 46 | 53 |
Profit before tax | 5 | 2 | 3 | 2 | 3 | 2 | 3 | 12 | 20 | 84 | 179 | 203 | 219 |
Net Profit | 4 | 2 | 3 | 2 | 3 | 4 | 20 | 29 | 15 | 40 | 119 | 144 | 156 |
EPS in Rs | 6.41 | 2.83 | 5.07 | 3.34 | 5.05 | 1.34 | 2.19 | 3.22 | 1.63 | 4.46 | 10.17 | 12.22 | 13.25 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | – |
Standalone figures in ₹ crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 5 | 5 | 5 | 5 | 5 | 23 | 71 | 71 | 71 | 69 | 92 | 92 | 114 |
Reserves | 23 | 25 | 27 | 29 | 32 | 796 | 851 | 882 | 896 | 915 | 1,347 | 1,954 | 2,349 |
Borrowings | – | – | – | – | – | – | – | – | – | – | – | – | – |
Other Liabilities | 1 | 0 | 0 | 0 | 0 | 26 | 36 | 37 | 86 | 173 | 188 | 218 | 228 |
Total Liabilities | 28 | 30 | 32 | 34 | 37 | 868 | 1,212 | 1,755 | 2,855 | 4,306 | 6,280 | 9,168 | 10,779 |
Fixed Assets | 0 | 0 | 0 | 0 | 0 | 20 | 38 | 36 | 56 | 85 | 130 | 168 | 190 |
Gross Block | 0 | 0 | 0 | 0 | 0 | 22 | 47 | 57 | 89 | 135 | 216 | – | – |
Accumulated Depreciation | 0 | 0 | 0 | 0 | 0 | 2 | 9 | 21 | 33 | 51 | 86 | – | – |
CWIP | 0 | 0 | 0 | 0 | 0 | 11 | 1 | 4 | 6 | 14 | 0 | 0 | 0 |
Investments | 26 | 15 | 25 | 26 | 36 | 107 | 73 | 55 | 69 | 60 | 59 | 103 | 492 |
Other Assets | 3 | 14 | 8 | 8 | 1 | 731 | 1,101 | 1,659 | 2,724 | 4,146 | 6,091 | 8,897 | 10,098 |
Total Assets | 28 | 30 | 32 | 34 | 37 | 868 | 1,212 | 1,755 | 2,855 | 4,306 | 6,280 | 9,168 | 10,779 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operating Activity | 24 | -10 | 9 | -4 | 1 | -86 | -799 | -347 | -1,125 | -1,220 | -1,535 | -2,474 |
Cash from Investing Activity | -26 | 11 | -6 | 1 | -1 | -347 | 179 | -46 | 43 | -85 | -230 | -80 |
Cash from Financing Activity | 0 | 0 | 0 | 0 | 0 | 754 | 308 | 508 | 1,023 | 1,279 | 1,814 | 2,655 |
Net Cash Flow | -2 | 0 | 3 | -3 | 0 | 321 | -312 | 115 | -58 | -26 | 48 | 101 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | – | – | – | – | – | – | – | – | – | – | – | – |
Inventory Days | – | – | – | – | – | – | – | – | – | – | – | – |
Days Payable | – | – | – | – | – | – | – | – | – | – | – | – |
Cash Conversion Cycle | – | – | – | – | – | – | – | – | – | – | – | – |
Working Capital Days | – | – | – | – | – | – | – | – | – | – | – | – |
ROCE % | – | – | – | – | – | – | – | – | – | – | – | – |
Direct from BSE filings, auto-summarised
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Stock Analysis
UGRO Capital Limited is a technology-focused (data-centric & technology-enabled approach), small business lending platform. The company is focused on addressing the capital needs of small businesses operating in select eight sectors by providing customized loan solutions.
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Currently no data available for Key Red Flags.
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