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Ugro Capital Limited (UGROCAP) AI Stock Analysis
Ugro Capital Limited
(NSE:UGROCAP)
The score of 66 reflects a balance between the company's strong underlying financial growth and an attractive valuation against significant near-term technical weakness. While the business demonstrates exceptional revenue expansion and trades at a low P/E ratio of 6.8, the stock is currently weighed down by a pronounced bearish downtrend, trading below all major moving averages.
Ugro Capital Limited (UGROCAP) vs. iShares MSCI India ETF (INDA)
- Market Cap
- INR 11.07B
- Dividend Yield
- ―
- Average Volume (3M)
- 41.61K
- Price to Earnings (P/E)
- 4.9
- Beta (1Y)
- 1.55
- Revenue Growth
- 35.80%
- EPS Growth
- -5.33%
- Country
- India
- Employees
- 2,095
- Sector
- General
- Sector Strength
- 55
- Industry
- Financial - Credit Services
Ugro Capital Limited Business Overview & Revenue Model
Company Description
UGRO Capital Limited functions as a non-banking financial company primarily engaged in offering various lending services. The firm provides business financing specifically targeting diverse sectors such as healthcare, education, chemicals, food proce...
How the Company Makes Money
UGRO Capital primarily makes money through a lending (credit) business model. Its main revenue stream is interest income earned on loans extended to MSME customers: the company borrows funds (e.g., via bank lines, market borrowings, securitisation/as...
Ugro Capital Limited Financial Statement Overview
Summary
Strong revenue growth and a pivotal transition to positive cash flow highlight a solid financial profile, though aggressive leverage and modest return on equity present standard industry scaling risks.
Income Statement
78PositiveBalance Sheet
68PositiveCash Flow
74Positive| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 19.47B | 14.74B | 9.64B | 7.07B | 4.88B | 2.68B |
| Gross Profit | 7.35B | 2.23B | 1.29B | 995.24M | 678.77M | 624.11M |
| EBITDA | 3.16B | -140.04M | 2.62B | 2.19B | 1.07B | 348.23M |
| Net Income | 2.09B | 1.75B | 1.44B | 1.19B | 397.76M | 145.51M |
Balance Sheet | ||||||
| Total Assets | 0 | 140.75B | 91.68B | 62.80B | 43.06B | 28.54B |
| Cash, Cash Equivalents and Short-Term Investments | 0 | 18.25B | 5.53B | 883.64M | 2.12B | 1.60B |
| Total Debt | 0 | 108.68B | 69.04B | 46.53B | 31.49B | 18.31B |
| Total Liabilities | -29.06B | 111.69B | 71.22B | 48.42B | 33.22B | 18.88B |
| Stockholders Equity | 29.06B | 29.06B | 20.46B | 14.38B | 9.84B | 9.67B |
Cash Flow | ||||||
| Free Cash Flow | -669.50M | 1.71B | -25.00B | -15.38B | -12.61B | -11.46B |
| Operating Cash Flow | -556.27M | 2.14B | -24.74B | -15.35B | -12.20B | -11.32B |
| Investing Cash Flow | -3.88B | -19.64B | -799.24M | -2.30B | -845.42M | 413.80M |
| Financing Cash Flow | 15.07B | 27.51B | 26.55B | 18.14B | 12.79B | 10.23B |
Ugro Capital Limited Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:UGROCAP, the sentiment is Negative. The current price of 72.35 is below the 20-day moving average (MA) of 78.67, below the 50-day MA of 82.37, and below the 200-day MA of 101.98, indicating a bearish trend. The MACD of -2.70 indicates Positive momentum. The RSI at 32.12 is Neutral, neither overbought nor oversold. The STOCH value of 14.05 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:UGROCAP.
Ugro Capital Limited Peers Comparison
Overall Rating
IN:MASFIN66Neutral- IN:UGROCAP66Neutral
IN:SBFC65Neutral
IN:PAISALO58.5Neutral
IN:INDOSTAR48Neutral
IN:MUTHOOTMF40Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IN:MASFIN | 66Neutral | INR 44.29B | 10.64 | ― | 0.82% | 22.71% | 23.45% |
| IN:UGROCAP | 66Neutral | INR 11.12B | 4.88 | ― | ― | 35.80% | -5.33% |
| IN:SBFC | 65Neutral | INR 94.00B | 18.22 | ― | ― | 28.39% | 28.14% |
| IN:PAISALO | 59Neutral | INR 74.09B | 26.93 | ― | 0.13% | 23.67% | 26.77% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| IN:INDOSTAR | 48Neutral | INR 29.63B | -7.57 | ― | ― | -1.90% | -151.41% |
| IN:MUTHOOTMF | 40Underperform | INR 23.02B | 22.78 | ― | ― | 5.19% | ― |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IN:UGROCAP | Ugro Capital Limited | 72.35 | -109.25 | -60.16% | |
| IN:INDOSTAR | IndoStar Capital Finance Limited | 183.30 | -73.75 | -28.69% | |
| IN:MASFIN | MAS Financial Services Ltd. | 244.10 | -74.17 | -23.31% | |
| IN:MUTHOOTMF | Muthoot Microfin Ltd | 135.00 | -37.00 | -21.51% | |
| IN:PAISALO | Paisalo Digital Ltd. | 78.81 | 41.23 | 109.69% | |
| IN:SBFC | SBFC Finance Limited | 84.72 | -33.78 | -28.51% |
Ugro Capital Limited Corporate Events
Ugro Capital Sets Earnings Call to Discuss Q2 and Half-Year FY27 Results
Ugro Capital Limited has scheduled an earnings conference call on 6 November 2026 at 4:00 p.m. IST to discuss its unaudited standalone and consolidated financial results for the quarter and half year ended 30 September 2026. The call, compliant with...
Ugro Capital Publishes Hearing Notice for Amalgamation with Profectus Capital
Ugro Capital Limited, a Mumbai-based non-banking financial company listed on BSE and NSE, operates in India’s credit and financial services market and caters to a wide set of shareholders and creditors. Its governance and disclosure practices a...
Ugro Capital to Raise USD 10 Million via Dollar-Denominated Bonds
Ugro Capital Limited has approved the allotment of up to 1,000 senior, unsecured, rated and listed U.S. dollar-denominated redeemable non-convertible bonds, each with a face value of USD 10,000. The private placement issue, aggregating up to USD 10 m...
UGRO Capital Raises Short-Term Funds via New Commercial Paper Allotment
UGRO Capital has approved a fresh allotment of commercial papers as part of its routine funding strategy, with the board’s Investment and Borrowing Committee clearing the issuance on 9 September 2026. The commercial papers, carrying a face valu...
UGRO Capital Sets September Meetings on Profectus Amalgamation
UGRO Capital has dispatched notices to convene separate meetings of its equity shareholders, secured creditors and unsecured creditors to consider and approve a proposed Scheme of Amalgamation with Profectus Capital Private Limited. The meetings, dir...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 06, 2026