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
₹79.90
-2.94% 1W | -55.30% 52W
Market Cap
1.2k CR
P/E Ratio
5.6
52W High
₹189.9
52W Low
₹78.7
Div. Yield
0%
Beta
0.2
50 DMA
₹87.5
200 DMA
₹106.1
Profit Margin
24%
Inst. Own.
14%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
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
64
Overall
76
Fundamental
53
Technical
Risks (4)
TOO MUCH PUBLIC HOLDING! 69.02% public ownership - higher volatility risk.
POOR YEAR! Stock declined 55.3% in the last year.
WEAK POSITION! Current price (79.9) is below both moving averages.
WEAK! Trading at 1.1% of 52W range - near yearly lows.
Strengths (4)
UNDERVALUED! PEG of 0.09 indicates stock is cheap relative to growth.
LOW VOLATILITY! Beta of 0.20 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 202,496 vs down days: 158,946. Ratio: 1.27x
APPROACHING OVERSOLD! RSI at 36.1 - watch for reversal.
Fundamental & Technical Analysis
64Overall
76Fundamental
53Technical
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 (87.5) is below 200-day average (106.1) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (79.9) is below both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
0/10
POOR YEAR! Stock declined 55.3% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 202,496 vs down days: 158,946. Ratio: 1.27x
RSI
4/5
APPROACHING OVERSOLD! RSI at 36.1 - watch for reversal.
52W Range
1/5
WEAK! Trading at 1.1% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 2.9% (1 week), 4.2% (1 month), 18.4% (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 | ₹79.90 | 5.6 | 24.0% | 42.4% | 63.8% | -55.3% | 64 | APPROACHING SUPPORT | +99.1% | +32.9% | +27.5% | -8.3% |
| FEDDERSHOL | ₹59.80 | 14 | 25.5% | 42.3% | 64.0% | +50.6% | 75 | CONSOLIDATING DOWN | -34.5% | -54.4% | -11.0% | -48.6% |
| FINKURVE | ₹69.50 | 33.7 | 18.4% | 59.8% | 22.0% | -45.4% | 67 | BREAKDOWN | +64.7% | +5.0% | +87.9% | +13.0% |
| HEXATRADEX | ₹157.00 | – | -150.2% | 71.9% | – | -10.2% | 44 | APPROACHING SUPPORT | -950.0% | -151.5% | – | -100.0% |
| CIFL | ₹20.10 | 20.3 | 7.3% | -7.4% | – | -40.1% | 42 | APPROACHING SUPPORT | +17.9% | +1,550.0% | +0.7% | +1.2% |
| MANBA | ₹141.60 | 14.6 | 33.8% | 35.9% | 39.9% | +5.7% | 84 | APPROACHING RESISTANCE | +35.7% | +19.8% | +35.1% | -7.9% |
| PFS | ₹26.60 | 7.7 | 63.4% | -15.8% | 22.0% | -24.6% | 58 | HIT RESISTANCE | -70.6% | -11.6% | -33.9% | -19.4% |
| ARMANFIN | ₹1,694.20 | 15.4 | 30.8% | 14.7% | -15.5% | +11.2% | 51 | BREAKDOWN | -409.6% | +10.2% | +31.7% | +15.8% |
Data from TradeAlone · Updated daily
