Usha Financial
: USHAFIN · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Usha Financial's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Usha Financial Services Limited is a non-banking financial company that provides diverse lending solutions. Its portfolio includes capital provision for other NBFCs, corporate working capital, and credit facilities for MSMEs and women entrepreneurs.
Business Model
The company generates revenue primarily through interest income earned on loans extended to NBFCs, corporates, and individual borrowers. It acts as a financial intermediary by deploying capital to support the growth of small businesses and other lending institutions.
Growth Outlook
Growth is expected to be driven by the increasing demand for credit among MSMEs and the expansion of lending activities to women entrepreneurs. The company aims to scale its operations by providing onward lending capital to other NBFCs.
Key Risks
- Credit Risk. The company faces the risk of default from borrowers, particularly within the MSME and individual segments, which could impact asset quality.
- Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations that may impact its operational flexibility and capital requirements.
- Interest Rate Risk. Fluctuations in interest rates may affect the company's net interest margins and the cost of borrowing funds for onward lending.
- Concentration Risk. Providing significant capital to other NBFCs exposes the company to systemic risks within the financial sector and the performance of its institutional partners.
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Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Usha FinancialUSHAFIN | ₹205 Cr | — | — | — | — | — | — | +11.6% |
Purple FinancePURPLEFIN | ₹433 Cr | -367.50 | — | 204.7% | — | -1.2% | — | +102.3% |
Akme Fintrade (India) LimitedAFIL | ₹401 Cr | 9.04 | — | 40.5% | — | 11.0% | — | +35.4% |
Moneyboxx Finance LimitedMONEYBOXX | ₹398 Cr | 237.38 | — | 5.9% | — | 0.5% | — | -57.2% |
Muthoot Capital Services LimitedMUTHOOTCAP | ₹395 Cr | 16.50 | — | 22.0% | — | 3.6% | — | -12.6% |
Avonmore Capital & Management Services LimitedAVONMORE | ₹392 Cr | 25.74 | — | 11.4% | — | 8.3% | — | -27.6% |
Financials
Usha Financial
: USHAFIN · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Usha Financial's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Usha Financial Services Limited is a non-banking financial company that provides diverse lending solutions. Its portfolio includes capital provision for other NBFCs, corporate working capital, and credit facilities for MSMEs and women entrepreneurs.
Business Model
The company generates revenue primarily through interest income earned on loans extended to NBFCs, corporates, and individual borrowers. It acts as a financial intermediary by deploying capital to support the growth of small businesses and other lending institutions.
Growth Outlook
Growth is expected to be driven by the increasing demand for credit among MSMEs and the expansion of lending activities to women entrepreneurs. The company aims to scale its operations by providing onward lending capital to other NBFCs.
Key Risks
- Credit Risk. The company faces the risk of default from borrowers, particularly within the MSME and individual segments, which could impact asset quality.
- Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations that may impact its operational flexibility and capital requirements.
- Interest Rate Risk. Fluctuations in interest rates may affect the company's net interest margins and the cost of borrowing funds for onward lending.
- Concentration Risk. Providing significant capital to other NBFCs exposes the company to systemic risks within the financial sector and the performance of its institutional partners.
Start your research today
Unlock AI insights, financials, peers and live data on Usha Financial and 5,000+ companies — free.
Peers · Non Banking Financial Company (NBFC)
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