Upsurge Investment and Finance Limited

Upsurge Investment and Finance Limited

BBSE:UPSURGE
51.85
INR
-0.64
(-1.22%)
5.12EPS
11.11P/E
1.35BMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
6.3
18.61
9.31
8.73
25.94
15.95
15.66
14.34
24.67
20.86
35.5
58.11
27.24
25.17
Basic EPS, GAAP
0.06
0.08
0.13
0.34
2.01
0.76
-2.68
5.99
6.16
0.33
7.43
8.81
1.47
5.54
Free Cash Flow per Basic Share
0.08
-1.77
-1.26
3.67
2.79
-2.67
2.43
1.29
-10.05
6.46
-5.73
-15.08
-12.81
- -
Dividend per Share
- -
- -
- -
- -
- -
0.6
- -
- -
0.5
0.5
0.5
0.42
0.46
- -
Book Value per Share
13.76
13.84
13.97
14.3
15.58
15.74
12.98
18.94
24.71
24.54
31.48
52.23
53.45
- -
Tangible Book Value per Share
13.76
13.84
13.97
14.3
15.58
15.74
12.98
18.94
24.71
24.54
31.48
52.23
53.45
- -
Basic Weighted Avg Shares
15
15
15
15
15
15
15
15
15
15
15
18
22
21
Sales/Revenue/Turnover
95
282
141
132
393
242
237
217
374
316
538
1,053
597
528
Operating Margin (%)
1.03
0.37
2.58
4.82
9.94
4.02
-18.5
41.83
27.06
0.47
23.35
17.48
3.65
29.49
Depreciation Expense
- -
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
1
1
2
5
30
12
-41
91
93
5
113
160
32
116
Effective Tax Rate (%)
- -
10.69
2.3
17.89
20.2
9.76
- -
4.92
13
42.29
14.54
19.15
35.52
20.8
Profit Margin (%)
1.03
0.44
1.36
3.88
7.75
4.77
-17.1
41.77
24.98
1.59
20.94
15.15
5.41
21.99
Working Capital
187
188
192
197
254
172
164
220
362
272
307
682
735
- -
LT Debt
- -
- -
- -
- -
54
6
26
41
17
23
32
- -
- -
- -
Total Equity
208
210
212
217
236
238
198
289
374
372
477
1,048
1,172
- -
Return on Invested Capital (%)
0.46
0.54
0.83
2.33
10.93
2.94
- -
31.24
24.41
0.22
23.75
19.53
2.2
- -
Return on Capital (%)
0.46
0.54
1.53
2.38
10.93
4.7
- -
33.26
26.27
1.52
25.2
21.13
3.39
- -
Return on Common Equity (%)
0.47
0.6
0.91
2.4
13.45
4.86
-18.6
37.32
28.17
1.35
26.54
20.92
2.91
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
46
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
20
22
22
Market Capitalization
1,399
1,250
1,349

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
789
- -
Cash, Cash Equivalents & STI
- -
177
- -
Accounts Receivable, Net
- -
2
- -
Inventories
- -
347
- -
Total Current Liabilities
- -
54
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
46
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
23.01%
37.77%
11.78%
Free Cash Flow
-186.45%
-203.04%
2.76%
Net Income, GAAP
183.2%
401.91%
-79.77%
Sales/Revenue/Turnover
32.13%
35.84%
-43.27%
Total Cash Common Dividend
- -
- -
32.46%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
185
277
139
361
1,053
2026
141
192
77
60
597
2027
199
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
2.97
5.18
0.97
0.14
8.81
2026
3.83
0.47
0.42
-2.84
1.47
2027
7.33
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
0.42
2026
- -
- -
- -
- -
0.46
2027
- -
- -
- -
- -
- -

Company Description

CEO
Dayakrishna Goyal
Full Time Employees
5
Sector
Finance
Industry
Investment banks/Brokers
Address
Morya Landmark-I Mumbai MA India 400053
IPO Date
Nov 10, 1995
Business
Upsurge Investment & Finance Ltd. is a non-banking financial company (NBFC) based in Mumbai, India, engaged primarily in providing financial advisory, capital-growing, and holistic managerial services to small and mid-size enterprises. The company's core offerings encompass structured financing and debt syndication; corporate and commercial loan services against equity and commodities; capital-raising advisory services including seed funding to initial public offerings (IPOs); as well as retail financing focused on microcredit, term loans, and working capital assistance targeted at Indian traders and small and medium-sized businesses. Additional services include corporate advisory, governance and compliance audits, business strategisation, institutional and syndicated financing, and financial solutions for low-income families. Founded in 1994, Upsurge Investment & Finance has over two decades of financial operation experience with a team of chartered accountants and industry experts. The company serves predominantly the Indian market, specializing in enabling undervalued businesses to access financial resources to accelerate growth. Recent developments include strategic partnerships with technology-based loan facilitators to enhance lead generation for its retail microcredit offerings and continued focus on expanding corporate finance products. The company also maintains a steady dividend payout while focusing on sustainable profit growth amidst evolving market conditions. Upsurge Investment & Finance operates across various financial segments including corporate finance, gold loans, real estate mortgage finance, and loans against shares and securities. It maintains emphasis on growth and funding advisory tailored to SME clients through structured funding options and syndicated financing arrangements. The company is listed on the Bombay Stock Exchange (Ticker: UPSURGE.BO) and remains committed to delivering comprehensive financial solutions complemented by managerial and advisory expertise to support the capital requirements and operational scaling of its client base. Recent operational updates over the last 1-2 years indicate the company’s ongoing emphasis on expanding its retail financing products and strengthening its advisory services to incorporate market-responsive financial strategies for SMEs, alongside maintaining strong compliance and governance frameworks to support sustainable business growth. The company continues to leverage its extensive industry experience and advisory capabilities to support funding at various business lifecycle stages, from seed capital to pre-IPO advisory.