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INDICATIVE · SAMPLE DATA
UPIF56

Upsurge Investment and Finance Ltd

Consumer LendingVerified

Upsurge Investment and Finance Ltd has a basic and diluted share count of 21,921,400, indicating no dilution pressure from share issuance at present. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. The company's valuation snapshot is not available, limiting the ability to assess profitability or returns against industry benchmarks. The company's business model centers on advisory and financing services for SMEs, with a focus on corporate governance, compliance, and capital-raising. While the company's services align with the Consumer Lending industry, the lack of financial metrics prevents a direct comparison to industry_config preferred metrics such as ROIC or EBITDA margins. Geographically, the company is concentrated in India, and its revenue is derived from services to SMEs, which may expose it to regional economic fluctuations and regulatory changes. The lack of segment-specific revenue data limits the ability to assess geographic or product diversification. Growth trajectory is unclear due to the absence of historical revenue data and forward-looking guidance. The company's outlook for the current and next fiscal years cannot be quantified without additional financial reporting. Risk factors include the inability to assess liquidity risk and the absence of financial metrics to evaluate creditworthiness. The company's dilution risk is currently low, but the lack of financial transparency may obscure potential dilution sources. Recent events, including filings and transcripts, are not available in the provided data, limiting the ability to assess recent operational or strategic developments.

30-day price · UPIF+6.60 (+11.4%)
Low$56.52High$74.00Close$64.40As of17 May, 00:00 UTC
Profile
CompanyUpsurge Investment and Finance Ltd
TickerUPIF.BO
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryConsumer Lending
AI analysis

Business. Upsurge Investment and Finance Ltd provides financial advisory, capital-growing, and comprehensive managerial services to small and mid-size enterprises in India, including corporate advisory, business strategization, institutional and syndicated financing, financial advisory, and retail financing.

Classification. Upsurge Investment and Finance Ltd is classified under the Financials economic sector, Banking & Investment Services business sector, and Consumer Lending industry with a confidence level of 0.92.

Upsurge Investment and Finance Ltd has a basic and diluted share count of 21,921,400, indicating no dilution pressure from share issuance at present. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. The company's valuation snapshot is not available, limiting the ability to assess profitability or returns against industry benchmarks. The company's business model centers on advisory and financing services for SMEs, with a focus on corporate governance, compliance, and capital-raising. While the company's services align with the Consumer Lending industry, the lack of financial metrics prevents a direct comparison to industry_config preferred metrics such as ROIC or EBITDA margins. Geographically, the company is concentrated in India, and its revenue is derived from services to SMEs, which may expose it to regional economic fluctuations and regulatory changes. The lack of segment-specific revenue data limits the ability to assess geographic or product diversification. Growth trajectory is unclear due to the absence of historical revenue data and forward-looking guidance. The company's outlook for the current and next fiscal years cannot be quantified without additional financial reporting. Risk factors include the inability to assess liquidity risk and the absence of financial metrics to evaluate creditworthiness. The company's dilution risk is currently low, but the lack of financial transparency may obscure potential dilution sources. Recent events, including filings and transcripts, are not available in the provided data, limiting the ability to assess recent operational or strategic developments.
Key takeaways
  • Upsurge Investment and Finance Ltd operates in the Consumer Lending industry, providing advisory and financing services to SMEs in India.
  • The company has no dilution pressure from share issuance, with basic and diluted shares outstanding equal at 21,921,400.
  • Liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents.
  • The company's growth trajectory and financial performance cannot be evaluated due to the lack of historical revenue data and financial metrics.
  • The company's geographic and customer concentration in India may expose it to regional economic and regulatory risks.
  • # RATIONALES
  • ```json
  • {
Financial snapshot
PeriodHA-latest
CurrencyINR
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY0
FY-1
FY-2
FY-3
FY-4
PeriodGross %Op %Net %FCF %
FY0
FY-1
FY-2
FY-3
FY-4
PeriodAssetsEquityCashDebt
FY0
FY-1
FY-2
FY-3
FY-4
PeriodOCFCapExFCFSBC
FY0
FY-1
FY-2
FY-3
FY-4
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodGross %Op %Net %FCF %
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodAssetsEquityCashDebt
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodOCFCapExFCFSBC
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banking · cohort 1 companies
MetricUPIFActivity
Op margin27.8% medp25 11.0% · p75 56.0%
Net margin30.4% medp25 30.4% · p75 30.4%
Gross margin63.4% medp25 42.7% · p75 94.6%
CapEx / revenue19.6% medp25 19.6% · p75 19.6%
Debt / equity590.5% medp25 317.2% · p75 863.7%
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-04 18:38 UTC#433a4a7d
Source: analysis-pipeline (hybrid)Generated: 2026-05-04 18:39 UTCJob: 852e0796