BSE: 511742 | NSE: UGROCAP | Finance - NBFC | Small Cap
Past 10 year's financial track record analysis by Moneyworks4me indicates that Ugro Capital Ltd is a average quality company.
The key valuation ratios of Ugro Capital Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Ugro Capital Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 0.1 | 0.8 | 0.1 | 3.5 | 44.1 | 96.7 | 150 | 306 | 656 | 1,048 | 1,212 | |
| YoY Gr. Rt. % | - | 862.5% | -81.8% | 2414.3% | 1154% | 119.1% | 54.9% | 104.5% | 114.3% | 59.6% | - | |
| Adj EPS (₹ ) | 3.5 | 6.4 | 4.2 | 6.3 | 1.7 | 2.8 | 4.1 | 2.1 | 5.7 | 13 | 14.1 | |
| YoY Gr. Rt. % | - | 79.7% | -34% | 51% | -73.3% | 63.9% | 46.9% | -49.4% | 178.6% | 127% | - | |
| BVPS (₹ ) | 62.2 | 68.2 | 72.5 | 78.8 | 335.8 | 129.7 | 133.8 | 136.4 | 141.3 | 156.3 | 210.7 | |
| YoY Gr. Rt. % | - | 9.7% | 6.3% | 8.8% | 326.1% | -61.4% | 3.2% | 1.9% | 3.6% | 10.6% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 5.6 | 9.7 | 5.9 | 8.4 | 0.9 | 1.9 | 2 | 0.6 | 1.1 | 2.3 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 186.7% | 88.4% | 91.3% | 59.6% | ||||||||
| Adj EPS | 15.6% | 50.5% | 47.4% | 127% | ||||||||
| BVPS | 10.8% | -14.2% | 5.3% | 10.6% | ||||||||
| Share Price | 27.5% | 5.8% | 2.6% | -13.9% | ||||||||
| RATIOS \ YEARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 2206.2 | 389.6 | 1438.7 | 84.8 | 8.9 | 20.2 | 19.2 | 4.8 | 6.1 | 11.4 | 10.8 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 5.9 | 9.8 | 6 | 8.4 | 1 | 2.3 | 3.1 | 1.5 | 4.1 | 9.9 | 6.7 | |
Return on Equity has increased versus last 3 years average to 7.70%
Total Income has increased 91.25 CAGR in last 3 years
Net Profit has increased 47.38 CAGR in last 3 years
Total income growth is good in last 4 quarters
No data to display
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 14.1 | - |
| TTM Sales (₹ Cr.) | 1,212 | - |
| BVPS (₹.) ⓘ | 210.7 | - |
| Reserves (₹ Cr.) ⓘ | 1,866 | - |
| P/BV ⓘ | 1.09 | - |
| PE ⓘ | 16.25 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 213.15 / 314.85 |
| All Time Low / High (₹) | 0.10 / 359.90 |
| Market Cap (₹ Cr.) | 2,130 |
| Equity (₹ Cr.) | 93 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 27.8 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 2 | 4 | 2 | 4 | 49 | 105 | 153 | 312 | 684 | 1,082 |
| Interest Income | 0 | 1 | 0 | 4 | 44 | 97 | 150 | 306 | 656 | 1,048 |
| Other Income ⓘ | 2 | 3 | 2 | 0 | 5 | 8 | 4 | 6 | 27 | 34 |
| Expenditure ⓘ | 1 | 0 | 0 | 0 | 44 | 102 | 141 | 292 | 600 | 903 |
| Interest Expense ⓘ | 0 | 0 | 0 | 0 | 1 | 14 | 45 | 137 | 293 | 443 |
| Operating Expenses ⓘ | 0 | 0 | 0 | 0 | 37 | 76 | 75 | 121 | 230 | 319 |
| Provisions | 0 | 0 | 0 | 0 | 6 | 12 | 22 | 34 | 77 | 141 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | -4 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 2 | 3 | 2 | 3 | 2 | 3 | 12 | 20 | 84 | 179 |
| Taxes ⓘ | 0 | 0 | 0 | 0 | -2 | -16 | -17 | 6 | 44 | 59 |
| Profit After Tax | 2 | 3 | 2 | 3 | 4 | 20 | 29 | 15 | 40 | 119 |
| Adjusted EPS (₹) | 3.5 | 6.4 | 4.2 | 6.3 | 1.7 | 2.8 | 4.1 | 2.1 | 5.7 | 13.0 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 207% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 29 | 32 | 34 | 37 | 800 | 922 | 952 | 967 | 984 | 1,438 |
| Share Capital ⓘ | 5 | 5 | 5 | 5 | 37 | 71 | 71 | 71 | 69 | 92 |
| Reserves ⓘ | 25 | 27 | 29 | 32 | 763 | 851 | 882 | 896 | 915 | 1,347 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 0 | 0 | 0 | 0 | 8 | 208 | 710 | 1,699 | 3,083 | 4,595 |
| Current Liabilities | 0 | 0 | 0 | 0 | 27 | 66 | 58 | 160 | 221 | 272 |
| Trade Payables | 0 | 0 | 0 | 0 | 6 | 14 | 3 | 7 | 14 | 14 |
| Short term borrowings | 0 | 0 | 0 | 0 | 0 | 26 | 14 | 60 | 45 | 64 |
| Other Liabilities | 0 | 0 | 0 | 0 | 27 | -40 | -17 | -67 | -59 | -78 |
| Total Liabilities ⓘ | 30 | 32 | 34 | 37 | 868 | 1,195 | 1,720 | 2,826 | 4,288 | 6,306 |
Assets | ||||||||||
| Non Current Asset | 15 | 25 | 26 | 33 | 298 | 961 | 1,356 | 2,621 | 4,044 | 5,718 |
| Loan Asset | 0 | 0 | 0 | 0 | 79 | 832 | 1,283 | 2,451 | 3,806 | 5,432 |
| Other Non Current Asset ⓘ | 15 | 25 | 26 | 33 | 219 | 128 | 73 | 170 | 238 | 286 |
| Current Asset | 14 | 8 | 8 | 4 | 569 | 235 | 364 | 205 | 244 | 588 |
| Current Investment | 0 | 0 | 0 | 3 | 107 | 73 | 40 | 0 | 0 | 0 |
| Other Current Asset | 14 | 8 | 8 | 1 | 463 | 162 | 324 | 205 | 244 | 588 |
| Total Assets ⓘ | 30 | 32 | 34 | 37 | 868 | 1,195 | 1,720 | 2,826 | 4,288 | 6,306 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -10 | 9 | -4 | 1 | -86 | -799 | -347 | -1,125 | -1,220 | -1,535 |
| Cash Flow From Investing Activity ⓘ | 11 | -6 | 1 | -1 | -347 | 179 | -46 | 43 | -85 | -230 |
| Cash Flow From Financing Activity ⓘ | 0 | 0 | 0 | 0 | 754 | 308 | 508 | 1,023 | 1,279 | 1,814 |
| Net Cash Flow ⓘ | 0 | 3 | -3 | 0 | 321 | -312 | 115 | -58 | -26 | 48 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 4 | 6 | 4 | 6 | 2 | 3 | 4 | 2 | 6 | 13 |
| DPS (₹) | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 62 | 68 | 72 | 79 | 336 | 130 | 134 | 136 | 141 | 156 |
Performance Ratios | ||||||||||
| ROA (%) | 5.6 | 9.7 | 5.9 | 8.4 | 0.9 | 1.9 | 2.0 | 0.6 | 1.1 | 2.3 |
| ROE (%) | 5.9 | 9.8 | 6.0 | 8.4 | 1.0 | 2.3 | 3.1 | 1.5 | 4.1 | 9.9 |
| ROCE (%) | 6.3 | 11.3 | 6.1 | 9.1 | 0.6 | 1.7 | 3.9 | 7.0 | 10.9 | 12.2 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.3 | 0.3 | 0.4 | 1.0 | 0.5 | 0.8 | 0.9 | 1.2 | 1.0 | 1.4 |
UGRO Capital was incorporated as Chokhani Securities in 1993 and subsequently listed on the BSE in 1995. Shachindra Nath, the Executive Chairman and Managing Director, acquired the Company in July 2018, and the company was subsequently renamed and recapitalized as UGRO Capital Limited.
The company is a Data Tech Lending platform which solve the small business credit gap in India with the help of its formidable distribution reach and Data-tech approach. The company is backed by marquee Private Equity funds and family offices.
It is technology focused, small business lending platform. It is focused on addressing capital needs of small businesses by providing customized loan solutions. It strives to build a strong SME financing platform based on sectoral understanding supplemented by a fully integrated technology and analytics platform.
The company’s ability of Data Analytics and strong Technology architecture allows for customized sourcing platforms for each sourcing channel. GRO Plus module which has uberized intermediated sourcing, GRO Chain, a supply chain financing platform with automated end to end approval and flow of invoices, GRO Xstream platform for co-lending, an upstream and downstream integration with fintechs and liability providers and GRO Xapplication to deliver embedded financing option to MSMEs.
The credit scoring model GRO Score (2.0) a statistical framework using AI / ML driven statistical model to risk rank customers is revolutionizing the MSME credit by providing on-tap financing like consumer financing in India UGRO has pioneered the ‘Lending as a Service’ (LaaS) model in India and has effectively operationalized Co-lending relationship with various Large Public Sector Banks and large NBFCs and built a sizeable LaaS book of more than 15% of its AUM through the GRO Xstream platform.
Business area of the company
The company is engaged in the business of lending and primarily deals in financing MSME sector with focus on Healthcare, Education, Chemicals, Food Processing/FMCG, Hospitality, Electrical Equipment & Components, Auto Components and Light Engineering segments.
Loan products
Awards and recognition
Financial Year 2019-20
Financial Year 2020-21
Financial Year 2021-22
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MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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