Ugro Capital
NSE: UGROCAP · Non Banking Financial Company (NBFC)
Snapshot
Unlock Ugro Capital's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Ugro Capital is a technology-enabled non-banking financial company (NBFC) that provides customised business loans to micro, small, and medium enterprises (MSMEs). The company focuses on specific sectors including healthcare, education, chemicals, food processing, and light engineering.
Business Model
The company operates a data-driven lending model, leveraging technology to assess creditworthiness and provide credit solutions to underserved MSME segments. It generates revenue primarily through interest income and processing fees on its loan portfolio.
Growth Outlook
Growth is driven by the increasing demand for formal credit among MSMEs and the company's strategic focus on niche industrial sectors. Continued expansion of its digital lending platform and co-lending partnerships are expected to support portfolio scaling.
Key Risks
- Credit Risk. The company faces potential losses if borrowers in the MSME segment default on their loan obligations due to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the cost of borrowing from banks and financial institutions.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India which may impact operational flexibility.
- Concentration Risk. The company's focus on specific industrial sectors makes it vulnerable to sector-specific cyclicality and adverse market conditions.
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Key Metrics
REVENUE
₹1,770 Cr
TTM · standalone
NET PROFIT
₹140 Cr
TTM · standalone
EPS
₹10.15
TTM · standalone
RETURN ON EQUITY
5.7%
TTM · standalone
P/E
8.5x
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Ugro CapitalUGROCAP | ₹1,341 Cr | 8.51 | — | 16.5% | — | 5.7% | — | -51.6% |
Balmer Lawrie Investments LimitedBLIL | ₹1,610 Cr | 12.34 | — | 8.8% | 14.0% | 20.0% | — | -23.1% |
Saraswati Commercial India LimitedZSARACOM | ₹1,239 Cr | 8.83 | — | 182.1% | — | 12.8% | — | -16.6% |
AK Capital Services LimitedAKCAPIT | ₹1,146 Cr | 10.02 | — | 15.2% | — | 11.7% | — | +61.1% |
Crest VenturesCREST | ₹1,021 Cr | 29.40 | — | -33.2% | — | 2.8% | — | -4.7% |
Finkurve Financial Services LimitedFINKURVE | ₹1,013 Cr | 34.43 | — | — | — | 8.5% | — | -28.6% |
As of Q1 FY27
Financials
Ugro Capital
NSE: UGROCAP · Non Banking Financial Company (NBFC)
Snapshot
Unlock Ugro Capital's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Ugro Capital is a technology-enabled non-banking financial company (NBFC) that provides customised business loans to micro, small, and medium enterprises (MSMEs). The company focuses on specific sectors including healthcare, education, chemicals, food processing, and light engineering.
Business Model
The company operates a data-driven lending model, leveraging technology to assess creditworthiness and provide credit solutions to underserved MSME segments. It generates revenue primarily through interest income and processing fees on its loan portfolio.
Growth Outlook
Growth is driven by the increasing demand for formal credit among MSMEs and the company's strategic focus on niche industrial sectors. Continued expansion of its digital lending platform and co-lending partnerships are expected to support portfolio scaling.
Key Risks
- Credit Risk. The company faces potential losses if borrowers in the MSME segment default on their loan obligations due to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the cost of borrowing from banks and financial institutions.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India which may impact operational flexibility.
- Concentration Risk. The company's focus on specific industrial sectors makes it vulnerable to sector-specific cyclicality and adverse market conditions.
Start your research today
Unlock AI insights, financials, peers and live data on Ugro Capital and 5,000+ companies — free.
Key Metrics
REVENUE
₹1,770 Cr
TTM · standalone
NET PROFIT
₹140 Cr
TTM · standalone
EPS
₹10.15
TTM · standalone
RETURN ON EQUITY
5.7%
TTM · standalone
P/E
8.5x
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27