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INDICATIVE · SAMPLE DATA
USHF54

Usha Financial Services Ltd

Corporate Financial ServicesVerified

Usha Financial Services Ltd has a fully diluted share count of 43,475,262 shares, with no difference between basic and diluted shares outstanding, indicating no dilution risk from stock options or convertible securities. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability and return metrics are not available for Usha Financial Services Ltd, as no financial performance data is provided in the valuation snapshot. This limits the ability to compare the company's performance against industry_config preferred metrics or cohort medians. Segment and geographic exposure data are not disclosed in the available information, making it impossible to assess revenue concentration or geographic diversification. Growth trajectory data is not available, as no outlook numeric deltas or revenue history is provided. This limits the ability to assess the company's growth potential or performance over time. Risk factors include the inability to assess liquidity risk due to missing balance-sheet inputs and no going-concern language in source documents. Dilution risk is currently low, as there is no difference between basic and diluted shares outstanding. Recent events and filings are not disclosed in the available information, limiting the ability to assess the company's recent operational or strategic developments.

30-day price · USHF-2.95 (-9.3%)
Low$28.90High$35.10Close$28.90As of17 May, 00:00 UTC
Profile
CompanyUsha Financial Services Ltd
TickerUSHF.NS
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryCorporate Financial Services
AI analysis

Business. Usha Financial Services Ltd provides banking and financial services, primarily generating revenue through interest income and fee-based services.

Classification. Usha Financial Services Ltd is classified under the Financials economic sector, Banking & Investment Services business sector, and Corporate Financial Services industry with a confidence level of 0.92.

Usha Financial Services Ltd has a fully diluted share count of 43,475,262 shares, with no difference between basic and diluted shares outstanding, indicating no dilution risk from stock options or convertible securities. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability and return metrics are not available for Usha Financial Services Ltd, as no financial performance data is provided in the valuation snapshot. This limits the ability to compare the company's performance against industry_config preferred metrics or cohort medians. Segment and geographic exposure data are not disclosed in the available information, making it impossible to assess revenue concentration or geographic diversification. Growth trajectory data is not available, as no outlook numeric deltas or revenue history is provided. This limits the ability to assess the company's growth potential or performance over time. Risk factors include the inability to assess liquidity risk due to missing balance-sheet inputs and no going-concern language in source documents. Dilution risk is currently low, as there is no difference between basic and diluted shares outstanding. Recent events and filings are not disclosed in the available information, limiting the ability to assess the company's recent operational or strategic developments.
Key takeaways
  • Usha Financial Services Ltd has no dilution risk as basic and diluted shares are equal.
  • Liquidity risk could not be assessed due to missing balance-sheet data and no going-concern language.
  • No financial performance data is available to assess profitability or return metrics.
  • No segment or geographic exposure data is disclosed, limiting visibility into revenue concentration.
  • Growth trajectory and recent events are not available in the provided data.
  • --
  • ## 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
FY-4
FY-3$250.3M$156.2M$41.4M$44.3M
FY-2$456.3M$355.6M$101.7M$103.6M
FY-1$632.2M$467.6M$134.5M$52.2M
FY0$596.3M$413.6M$138.0M$88.7M
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4
FY-3$1.64B$476.8M$6.5M
FY-2$3.72B$820.7M$114.0k
FY-1$3.36B$1.06B$76.8M
FY0$4.40B$2.11B$55.4M
PeriodOCFCapExFCFSBC
FY-4
FY-3-$351.9M-$402.0k$44.3M
FY-2-$1.77B-$317.0k$103.6M
FY-1$714.7M-$85.0M$52.2M
FY0-$925.6M-$54.0M$88.7M
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1$170.5M$129.5M$53.5M
FQ0$165.2M$108.5M$39.8M
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0$4.20B$2.17B$71.5M
PeriodOCFCapExFCFSBC
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0$106.0M-$11.8M
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 265 companies
MetricUSHFActivity
Op margin29.4% medp25 11.0% · p75 55.5%
Net margin14.7% medp25 3.8% · p75 30.9%
Gross margin63.7% medp25 42.1% · p75 95.0%
CapEx / revenue-1.4% medp25 -3.9% · p75 -0.4%
Debt / equity121.9% medp25 14.0% · p75 332.1%
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
2026-05-02 04:12 UTC#110d1c50
Source: analysis-pipeline (hybrid)Generated: 2026-05-29 21:21 UTCJob: 6f6c6014