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UGRO Capital Limited

UGRO Capital Limited

UGROCAP.BO
UGRO Capital LimitedIN flagBombay Stock Exchange
97.65
INR
-0.19
- -
12.15BMarket Cap
UGRO Capital Limited
UGROCAP.BO
(Bombay Stock Exchange)

Recent

price

97.65

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
1.71
4.07
8.73
11.14
0.16
7.88
4.89
- -
0.22
10.6
18.55
37.25
68.41
77.75
102.92
- -
117.03
Revenue per Share
1.15
2.3
3.49
7.88
3.47
6.23
4.11
6.21
0.76
2.89
3.99
2.02
5.58
13.12
15.37
- -
13.88
Basic EPS, GAAP
-7.63
5.76
-3.54
50.65
-21.53
19.27
-8.83
2.52
-19.4
-119.63
-49.91
-158.29
-176.82
-173.25
-269.82
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
0.38
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
43.79
46.09
49.58
57.46
60.94
66.81
71.03
61.91
9.58
16.64
18.82
20.86
25.66
33.09
44.43
- -
49.24
Book Value per Share
43.79
46.09
49.58
57.46
60.94
66.81
71.03
85.2
154.94
133.45
128.93
130.67
131.3
149.65
210.59
- -
197.73
Tangible Book Value per Share
5
5
5
5
5
5
5
5
52
68
72
72
71
91
94
- -
126
Basic Weighted Avg Shares
8
19
42
53
1
38
23
- -
12
716
1,335
2,681
4,880
7,070
9,638
14,079
14,739
Sales/Revenue/Turnover
81.67
80.09
60.65
101.01
901.69
91.7
86.08
- -
-3,172.02
-38.76
11.3
33.2
46.13
51.46
50.89
42.61
7.26
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
18
74
117
123
176
353
464
703
703
Depreciation Expense
6
11
17
38
17
30
20
30
39
195
287
146
398
1,193
1,439
1,748
1,748
Net Income, GAAP
17.36
29.34
34.03
29.94
7.28
13.69
2.21
7.6
- -
- -
- -
27.89
52.55
33.24
29.14
28.21
28.21
Effective Tax Rate (%)
67.49
56.6
40.01
70.76
2,206.18
79.15
84.18
- -
343.17
27.24
21.52
5.43
8.15
16.88
14.93
12.42
11.86
Profit Margin (%)
210
191
238
17
140
75
83
423
7,792
4,089
4,248
1,467
801
8,315
10,919
21,115
21,115
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
74
698
3,935
10,516
16,683
29,643
42,991
64,821
64,821
LT Debt
210
221
238
276
292
320
341
409
8,329
9,215
9,524
9,666
9,840
14,384
20,464
29,060
29,060
Total Equity
2.67
5.12
7.3
14.72
2.22
9.76
5.97
-0.72
- -
- -
- -
2.86
3.08
4.71
4.59
3.79
0.68
Return on Invested Capital (%)
2.67
5.12
7.3
14.72
5.87
9.76
5.97
9.35
- -
- -
- -
3.87
3.66
5.07
4.76
4.21
1.87
Return on Capital (%)
2.67
5.12
7.3
14.72
5.87
9.76
5.97
9.35
9.91
24.03
23.17
10.19
23.88
49.32
40.15
33.74
33.74
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
43,002
LT Borrowings
78,143
- -
64,821
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
137
- -
153
Market Capitalization
17,212
20,485
10,232

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
96,038
- -
66,481
Cash, Cash Equivalents & STI
15,991
- -
23,872
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
409
- -
45,366
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
43,002
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
211.29%
26.75%
42.01%
Free Cash Flow
-788.93%
41.29%
-106.75%
Net Income, GAAP
85.74%
73.22%
21.46%
Sales/Revenue/Turnover
- -
62.03%
46.07%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,694
1,796
1,903
1,677
7,070
2025
2,407
2,200
2,666
2,366
9,638
2026
3,222
3,489
3,547
4,481
14,079

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3
3.11
3.49
- -
13.12
2025
3.28
3.83
4.01
- -
15.37
2026
3.61
3.79
3.25
3.35
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
UGRO Capital Limited operates as a leading DataTech Non-Banking Financial Company, primarily engaged in lending to India's Micro, Small, and Medium Enterprises. The firm strategically targets specific high-growth sectors, including healthcare, education, chemicals, food processing and FMCG, hospitality, electrical equipment, auto components, and light engineering, alongside dedicated services for micro-enterprises. It provides a comprehensive suite of financial solutions, encompassing secured and unsecured business loans, machinery financing, supply chain financing, and innovative green asset solutions like rooftop solar and electric vehicle loans. Utilizing a proprietary, data-driven underwriting model known as GRO Score 3.0, UGRO Capital leverages advanced analytics, AI, and machine learning, drawing insights from banking, credit bureau, and GST records to ensure rapid and precise credit assessments. The company has pioneered a "Lending as a Service" model in India, establishing significant co-lending alliances with numerous banks and financial institutions to extend its market reach and enhance capital efficiency. Demonstrating robust expansion, UGRO Capital reported Assets Under Management (AUM) exceeding INR 12,081 crore as of June 30, 2025, reflecting a 31% year-on-year increase, alongside substantial growth in total income and profit after tax. Recent strategic initiatives include the pending acquisition of Profectus Capital and successful capital infusion rounds, further strengthening its balance sheet and growth trajectory. The company was originally incorporated in 1993, later rebranding to UGRO Capital Limited in September 2018, and maintains its headquarters in Mumbai, India.