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Usha Martin Education & Solutions Limited (UMESLTD) AI Stock Analysis

IN:UMESLTD

Usha Martin Education & Solutions Limited

(NSE:UMESLTD)

Select Model
Rating:70Outperform
Price Target:INR 4.50â–²(2.27% Upside)
Action:upgraded
Date:10/24/26

Strong financial performance is the primary positive factor, supported by profitability, low leverage, and cash generation. Weak technical momentum and a relatively high P/E ratio materially reduce the score. Earnings-call and corporate-event components were excluded because no usable data was provided.

Positive Factors
Revenue and ProfitabilitySharp revenue growth combined with exceptionally high current margins indicates strong recent operating performance and improved earnings capacity. If these economics persist, the company can generate substantial internal funding for operations and expansion while strengthening its ability to absorb normal business fluctuations.
Negative Factors
Earnings VolatilityThe wide variation in profitability across years makes the latest high margins harder to treat as a stable baseline. Such volatility reduces confidence in earnings durability, complicates forecasting, and increases the risk that future reported performance may normalize materially below the latest result.

Usha Martin Education & Solutions Limited (UMESLTD) vs. iShares MSCI India ETF (INDA)

-30%-20%-10%0%10%20%30%40%IN:UMESLTD-13.39%INDA-12.02%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26
Market Cap
INR 113.32M
Dividend Yield
―
Average Volume (3M)
6,839
Price to Earnings (P/E)
31.5
Beta (1Y)
-0.02
Revenue Growth
57.87%
EPS Growth
19.59%
Country
India
Employees
9
Sector
General
Sector Strength
55
Industry
Education & Training Services

Usha Martin Education & Solutions Limited Business Overview & Revenue Model

Company Description

Usha Martin Education & Solutions Limited (UMESL) is an Indian company dedicated to providing educational support services. The firm manages training centers, known as Usha Martin Academy, which deliver a wide array of post-secondary and specialized...

How the Company Makes Money

Detailed, reliable information on UMESLTD’s revenue model (e.g., primary revenue streams, customer segments, pricing structure, or major partnerships) is not available from the information provided in this request. null

Usha Martin Education & Solutions Limited Financial Statement Overview

Summary

Strong recent revenue growth, solid profitability, low leverage, and improving cash generation support the score. Historical volatility in margins, earnings, and operating cash flow is the main weakness.

Income Statement

81Very Positive

Balance Sheet

78Positive

Cash Flow

84Very Positive
Financial statement breakdown
BreakdownTTMMar 2026Mar 2025Mar 2024Mar 2023Mar 2022
Income Statement
Total Revenue8.80M8.80M5.24M7.33M6.55M7.84M
Gross Profit5.91M6.43M2.94M5.28M4.18M5.10M
EBITDA4.33M4.36M4.66M3.13M1.06M1.90M
Net Income3.90M3.94M3.13M1.51M632.82K605.00K
Balance Sheet
Total Assets31.91M31.91M157.71M178.05M183.92M185.86M
Cash, Cash Equivalents and Short-Term Investments239.00K239.00K1.75M351.68K478.28K495.87K
Total Debt2.25M2.25M7.15M17.00M25.71M27.07M
Total Liabilities7.39M7.39M11.75M35.23M42.68M45.26M
Stockholders Equity24.52M24.52M145.96M142.82M141.23M140.60M
Cash Flow
Free Cash Flow2.67M4.55M11.42M6.17M1.19M1.99M
Operating Cash Flow2.68M4.56M11.47M6.17M1.25M1.99M
Investing Cash Flow177.00K-11.00K438.00K2.59M1.69M175.11K
Financing Cash Flow-3.03M-4.90M-11.67M-8.89M-2.96M-1.83M

Usha Martin Education & Solutions Limited Technical Analysis

Technical Analysis SentimentNegative
Last Price4.40

Price Trends

50DMA4.76Negative
100DMA5.22Negative
200DMA5.30Negative

Market Momentum

MACD-0.14Negative
RSI47.89Neutral
STOCH26.84Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:UMESLTD, the sentiment is Negative. The current price of 4.40 is below the 20-day moving average (MA) of 4.42, below the 50-day MA of 4.76, and below the 200-day MA of 5.30, indicating a bearish trend. The MACD of -0.14 indicates Negative momentum. The RSI at 47.89 is Neutral, neither overbought nor oversold. The STOCH value of 26.84 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:UMESLTD.

Usha Martin Education & Solutions Limited Peers Comparison

Overall Rating

UnderperformOutperform
Sector (55)

Financial Indicators

IN:UMESLTD against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
IN:UMESLTDIN:UMESLTD70OutperformINR 116.23M31.52――57.87%19.59%
IN:APTECHTIN:APTECHT62NeutralINR 4.50B18.41―5.80%8.60%17.77%
Sector *55Neutral$6.65B3.83-15.92%6.20%10.91%7.18%
IN:NIITLTDIN:NIITLTD51NeutralINR 9.15B171.18―1.50%5.76%-83.30%
IN:TREEHOUSEIN:TREEHOUSE45NeutralINR 249.63M-0.92――-35.49%-84.14%
IN:ZEELEARNIN:ZEELEARN44NeutralINR 1.81B3.63――-2.80%458.04%
IN:EDUCOMPIN:EDUCOMP42NeutralINR 109.00M-0.30――――

* General Sector Average

Performance Comparison

-40%-20%0%20%IN:UMESLTDIN:APTECHTIN:EDUCOMPIN:NIITLTDIN:TREEHOUSEIN:ZEELEARNDec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26
IN:UMESLTD and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
IN:UMESLTDUsha Martin Education & Solutions Limited4.40-0.68-13.39%
IN:APTECHTAptech Limited77.51-29.44-27.53%
IN:EDUCOMPEducomp Solutions Limited0.89-0.51-36.43%
IN:NIITLTDNIIT Limited66.79-35.98-35.01%
IN:TREEHOUSETree House Education & Accessories Limited5.90-1.90-24.36%
IN:ZEELEARNZee Learn Limited5.51-2.99-35.18%

Usha Martin Education & Solutions Limited Corporate Events

Usha Martin Education & Solutions Sets Date for 29th AGM and Closes Share Transfer Books

Sep 8, 2026

Usha Martin Education & Solutions Limited operates in the education and solutions segment, providing services from its headquarters in Kolkata with a focus on technology-enabled offerings and corporate and institutional clients. The company is li...

Usha Martin Education & Solutions Sets Dates for 29th AGM and Share Book Closure

Sep 8, 2026

Usha Martin Education & Solutions Limited has released the notice for its 29th Annual General Meeting along with the annual report for the financial year 2025-26, making these documents available electronically to shareholders with registered ema...

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

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: Oct 23, 2026