UG
Ugro Capital Ltd (UGROCAP)
₹82.19
Mkt cap
₹1,300 Cr
P/E ratio
9.29
P/B
0.45
Div yield
0.00%
ROE
4.64%
ROCE
10.10%
EPS (TTM)
₹8.85
Book value
₹183
52W range
79–193
Sector
Financial Services
Price history
Previous close
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]
NSE UGROCAPBSE 511742
Health check
Cautious
ValuationCheap
ProfitabilityWeak
TechnicalsBearish
52-week range
−57.30% from high₹82
₹79+3.78% from low₹193
Current
₹82.19
Prev close
₹82.99
Day
−0.96%
Price performance
1D
−0.96%
1W
+2.37%
1M
−3.18%
3M
−14.32%
6M
−7.99%
1Y
−49.21%
YTD
−53.45%
Financials
Revenue, profit & margin
P/E ratio
9.3×
UGROCAP is 53% below the sector median of 19.7×
UGROCAP9.3×
Sector median19.7×
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 213 | 245 | 268 | 322 | 291 | 330 | 371 | 403 | 414 | 455 | 409 | 488 | 417 | |
| Interest | 93 | 105 | 117 | 128 | 136 | 143 | 167 | 181 | 205 | 219 | 237 | 242 | 248 | |
| Expenses | 82 | 99 | 107 | 136 | 113 | 139 | 152 | 161 | 156 | 167 | 188 | 198 | 147 | |
| Financing Profit | 38 | 41 | 44 | 58 | 43 | 48 | 52 | 61 | 53 | 69 | -16 | 48 | 22 | |
| Financing Margin % | 18% | 17% | 16% | 18% | 15% | 15% | 14% | 15% | 13% | 15% | -4% | 10% | 5% | |
| Other Income | 5 | 9 | 12 | 8 | 10 | 13 | 14 | 9 | 8 | 6 | 39 | 21 | 37 | |
| Depreciation | 8 | 9 | 9 | 10 | 10 | 11 | 12 | 13 | 13 | 14 | 14 | 27 | 10 | |
| Profit before tax | 36 | 41 | 46 | 56 | 43 | 50 | 53 | 57 | 48 | 61 | 10 | 42 | 49 | |
| Tax % | 29% | 29% | 30% | 42% | 29% | 29% | 29% | 29% | 29% | 29% | 34% | 29% | -25% | |
| Net Profit | 25 | 29 | 33 | 33 | 30 | 36 | 38 | 41 | 34 | 43 | 6 | 30 | 61 | |
| EPS in Rs | 2.16 | 2.47 | 2.78 | 2.78 | 2.58 | 3.02 | 3.18 | 3.44 | 2.92 | 3.71 | 0.41 | 1.90 | 3.91 | |
| Gross NPA % | 1.80% | 1.90% | 2.00% | 2.00% | 2.00% | 2.10% | 2.10% | 2.30% | 2.50% | 2.40% | 2.20% | 2.50% | 2.60% | |
| Net NPA % | 1.00% | 1.10% | 1.10% | 1.10% | 1.20% | 1.30% | 1.50% | 1.60% | 1.70% | 1.50% | 1.40% | 1.60% | 1.90% | |
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −0.55% · closed higher next day 0 of last 1
| Q1FY27 | |
|---|---|
| Broadcast | 4 Aug '26 |
| Earnings day | −0.55% |
| +1 day | −1.91% |
| +5 days | −2.00% |
| +15 days | −9.78% |
| +30 days | −14.47% |
| Filing |
Corporate actions
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Results analysis
Shareholding
as of Jun 20262.88%Promoter
Promoters2.88%0.89
FIIs5.45%16.89
DIIs1.85%0.17
Public88.23%15.82
Ownership trend
Peers
8 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance | ₹1,040.30 | 31.62 | 6,47,686 | 0.52% | 6,081 | +27.37% | 23,165 | +18.65% | 10.87% |
| Shriram Finance | ₹1,010.00 | 21.00 | 2,37,658 | 1.07% | 3,453 | +59.89% | 13,400 | +16.16% | 11.49% |
| Cholaman.Inv.&Fn | ₹1,800.00 | 26.74 | 1,53,776 | 0.11% | 1,656 | +45.56% | 8,856 | +21.87% | 9.71% |
| Tata Capital | ₹351.35 | 27.44 | 1,49,143 | 0.16% | 1,628 | +56.32% | 8,822 | +15.10% | 8.58% |
| Muthoot Finance | ₹2,841.10 | 10.03 | 1,14,061 | 1.06% | 2,825 | +38.83% | 8,672 | +34.44% | 15.80% |
| L&T Finance Ltd | ₹312.80 | 24.48 | 78,399 | 0.88% | 916 | +28.72% | 5,213 | +22.38% | 8.40% |
| SBI Cards | ₹651.15 | 27.24 | 61,966 | 0.38% | 664 | +19.51% | 5,041 | +3.36% | 10.10% |
| Ugro Capital | ₹83.74 | 9.29 | 1,300 | 0.00% | 61 | +77.88% | 417 | +0.82% | 10.12% |
| Median: 100 Co. | ₹133.60 | 19.66 | 490 | 0.00% | 11 | +38.31% | 49 | +27.36% | 9.46% |
Filings
Annual reports15
Concall transcripts73
TranscriptAug 2026PPTAug 2026RECAug 2026TranscriptApr 2026PPTApr 2026RECApr 2026TranscriptFeb 2026PPTFeb 2026PPTFeb 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptAug 2025PPTAug 2025PPTAug 2025TranscriptMay 2025PPTMay 2025PPTApr 2025TranscriptJan 2025PPTJan 2025TranscriptOct 2024PPTOct 2024PPTAug 2024PPTJul 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Allotment 17 Sep - UGRO Capital allotted commercial papers worth Rs 14.66 crore on 17 September 2026, redeemable on 22 December 2026.Announcement under Regulation 30 (LODR)-Press Release / Media Release 16 Sep - UGRO Capital raises INR 380 crore NCDsFMO on 16 September 2026.Announcement under Regulation 30 (LODR)-Allotment 9 Sep - UGRO Capital allotted commercial papers worth Rs 24.30 crore, redeeming on 5 January 2027.Announcement under Regulation 30 (LODR)-Allotment 28 Aug - UGRO Capital allotted 38,000 NCDs worth 380 crore at 10.20%, maturing on 28 August 2031.Announcement under Regulation 30 (LODR)-Newspaper Publication 19 Aug - Publication for convening separate meetings of equity shareholders, secured creditors and unsecured creditors of the Company in connection with ....