UGROCAP
Ugro Capital Limited (UGROCAP) Stock Analysis
Ugro Capital Limited is an NBFC focused on lending to micro, small, and medium enterprises in India. It uses technology and sectoral expertise to provide secured and unsecured business loans. The company targets underserved SME credit segments. It is listed on the NSE and BSE.
Financial Services › Credit Services
₹81.80
+2.40% 1W | -56.20% 52W
Market Cap
1.3k CR
P/E Ratio
5.8
52W High
₹189.9
52W Low
₹78.2
Div. Yield
0%
Beta
0.2
50 DMA
₹85.9
200 DMA
₹103.7
Profit Margin
24%
Inst. Own.
14%
📉 CONSOLIDATING DOWN
🛑 HIT RESISTANCE
Fundamentals
Profit & Loss
| Metric | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|
| Revenue | 461 | 607 | 497 |
| Interest | 247 | 284 | 289 |
| Expenses | 182 | 248 | 171 |
| Financing Profit | 32 | 75 | 37 |
| Financing Margin % | 7% | 12% | 7% |
| Other Income | 45 | 25 | 38 |
| Depreciation | 14 | 29 | 13 |
| Profit before tax | 63 | 71 | 62 |
| Tax % | 27% | 28% | -10% |
| Net Profit | 46 | 51 | 68 |
| EPS in Rs | 2.99 | 3.29 | 4.37 |
| Gross NPA % | |||
| Net NPA % |
| Metric | Mar 2026 |
|---|---|
| Revenue | 1,960 |
| Interest | 954 |
| Expenses | 753 |
| Financing Profit | 253 |
| Financing Margin % | 13% |
| Other Income | 61 |
| Depreciation | 70 |
| Profit before tax | 244 |
| Tax % | 28% |
| Net Profit | 175 |
| EPS in Rs | 11.26 |
| Dividend Payout % | 0% |
Shareholding Pattern
Promoters2.25%
FIIs29.32%
DIIs1.62%
Public64.69%
Promoters2.24%
FIIs28.99%
DIIs1.59%
Public65.07%
Promoters1.70%
FIIs22.83%
DIIs1.38%
Public72.49%
Promoters1.99%
FIIs22.34%
DIIs1.68%
Public72.41%
Promoters2.88%
FIIs5.45%
DIIs1.85%
Public88.23%
Promoters2.87%
FIIs6.95%
DIIs2.02%
Public86.40%
Promoters2.23%
FIIs19.76%
DIIs3.76%
Public72.91%
Promoters2.23%
FIIs27.25%
DIIs1.85%
Public67.34%
Promoters1.99%
FIIs22.34%
DIIs1.68%
Public72.41%
Promoters2.88%
FIIs5.45%
DIIs1.85%
Public88.23%
UGROCAP
Holdings Analysis
Key strengths & risk signals
67
Overall
76
Fundamental
58
Technical
Risks (4)
TOO MUCH PUBLIC HOLDING! 69.02% public ownership - higher volatility risk.
POOR YEAR! Stock declined 56.2% in the last year.
WEAK POSITION! Current price (81.8) is below both moving averages.
WEAK! Trading at 3.2% of 52W range - near yearly lows.
Strengths (4)
UNDERVALUED! PEG of 0.09 indicates stock is cheap relative to growth.
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 308,786 vs down days: 154,811. Ratio: 1.99x
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
NEUTRAL! RSI at 47.0 - balanced momentum.
Fundamental & Technical Analysis
67Overall
76Fundamental
58Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 42.4% (EXCELLENT, 15/15). Profit CAGR: 63.8% (EXCELLENT, 15/15).
Profit Margin
8/10
EXCELLENT EFFICIENCY! 24.0% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.09 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 69.02% public ownership - higher volatility risk.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (85.9) is below 200-day average (103.7) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (81.8) is below both moving averages.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
0/10
POOR YEAR! Stock declined 56.2% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 308,786 vs down days: 154,811. Ratio: 1.99x
RSI
3/5
NEUTRAL! RSI at 47.0 - balanced momentum.
52W Range
1/5
WEAK! Trading at 3.2% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 2.4% (1 week), -2.0% (1 month), -15.4% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
UGROCAP
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-12 | Concall PDF | |
| Q4FY262026-04-27 | Concall PDF | |
| Q3FY262026-02-13 | Concall PDF | |
| Q2FY262025-11-14 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| UGROCAP | ₹81.80 | 5.8 | 24.0% | 42.4% | 63.8% | -56.2% | 67 | HIT RESISTANCE | +99.1% | +32.9% | +27.5% | -8.3% |
| FEDDERSHOL | ₹60.40 | 14.2 | 25.5% | 42.3% | 64.0% | +52.4% | 76 | BREAKDOWN | -34.5% | -54.4% | -11.0% | -48.6% |
| ARMANFIN | ₹1,535.50 | 14 | 30.8% | 14.7% | -15.5% | -5.0% | 50 | APPROACHING SUPPORT | -409.6% | +10.2% | +31.7% | +15.8% |
| FINKURVE | ₹68.50 | 33.3 | 18.4% | 59.8% | 22.0% | -42.8% | 67 | APPROACHING SUPPORT | +64.7% | +5.0% | +87.9% | +13.0% |
| HEXATRADEX | ₹156.60 | – | -150.2% | 71.9% | – | -9.2% | 44 | APPROACHING RESISTANCE | -950.0% | -151.5% | – | -100.0% |
| PFS | ₹27.30 | 7.9 | 63.4% | -15.8% | 22.0% | -23.2% | 64 | BREAKOUT | -70.6% | -11.6% | -33.9% | -19.4% |
| CIFL | ₹19.10 | 19.3 | 7.3% | -7.4% | – | -44.4% | 42 | BREAKDOWN | +17.9% | +1,550.0% | +0.7% | +1.2% |
| MANBA | ₹145.70 | 15 | 33.8% | 35.9% | 39.9% | +5.0% | 87 | BREAKOUT | +35.7% | +19.8% | +35.1% | -7.9% |
Data from TradeAlone · Updated daily
UGROCAP News
Ugro Capital Limited (NSE: Ugrocap) Disburses over INR 1,000 Crore of Loans Every Month in Q2 FY272026-11-05Ugro Capital Raises INR 380 Crore from FMO; Third Investment in Three Years Deepens Development Finance Backing for India’s MSME Credit Gap2026-09-16Ugro Capital Limited (ugrocap) Q1’fy27: Embedded Lending Engine Scales Sharply, Disburses Rs 1,853 Crore2026-08-04
