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Usha Financial Services (USHAFIN)₹56.50−4.88%Non Banking Financial Company (NBFC)
In the Mar 2026 quarter (standalone), Usha Financial Services reported revenue of ₹17.66 Cr, up 3.9% from Mar 2025, and net profit of ₹6.56 Cr, up 562.6% year on year. For the year to Mar 2026, revenue were ₹71.14 Cr and net profit ₹22.01 Cr.
Company filings, standalone accounts; latest reported quarter Mar 2026
| Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Revenue | 13.62 | 16.62 | 16.99 | 17.44 | 16.98 | 19.22 | 17.66 |
| Interest | 5.55 | 6.87 | 6.33 | 6.06 | 5.99 | 6.05 | 5.32 |
| Net interest income | 8.07 | 9.75 | 10.66 | 11.38 | 10.99 | 13.17 | 12.34 |
| Expenses | 2.40 | 3.66 | 8.71 | 3.85 | 5.26 | 3.53 | 3.15 |
| Financing Profit | 5.66 | 6.06 | 1.93 | 7.52 | 5.69 | 9.65 | 9.19 |
| Financing Margin % | 41.6% | 36.6% | 11.3% | 43.1% | 33.5% | 50.2% | 52.0% |
| Other Income | 0.00 | 0.05 | 0.00 | 0.05 | 0.05 | 0.05 | 0.07 |
| Depreciation | 0.09 | 0.09 | 0.32 | 0.40 | 0.41 | 0.41 | 0.40 |
| Profit before tax | 5.56 | 6.00 | 1.60 | 7.13 | 5.31 | 9.25 | 8.81 |
| Tax % | 24.7% | 24.3% | 38.5% | 25.0% | 25.4% | 28.8% | 25.8% |
| Net Profit | 4.18 | 4.56 | 0.99 | 5.34 | 3.99 | 6.58 | 6.56 |
| EPS (Rs) | 1.33 | 1.06 | 0.24 | 1.24 | 0.93 | 1.53 | 1.52 |
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|
| Revenue | 52.11 | 26.06 | 25.07 | 46.10 | 64.14 | 61.19 | 71.14 | 71.30 |
| Interest | 20.02 | 11.02 | 10.02 | 22.04 | 30.04 | 24.01 | 23.03 | 23.42 |
| Net interest income | 32.09 | 15.04 | 15.05 | 24.06 | 34.10 | 37.18 | 48.11 | 47.88 |
| Expenses | 16.01 | 9.99 | 9.01 | 10.99 | 17.02 | 18.01 | 15.99 | 15.79 |
| Financing Profit | 16.06 | 5.01 | 6.01 | 14.03 | 17.05 | 19.06 | 32.09 | 32.05 |
| Financing Margin % | 31.0% | 21.0% | 23.0% | 30.0% | 27.0% | 31.0% | 45.0% | 45.0% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.22 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.01 | 1.62 |
| Profit before tax | 14.98 | 4.99 | 4.99 | 13.98 | 16.97 | 17.97 | 30.93 | 30.50 |
| Tax % | 26.0% | 22.0% | 24.0% | 26.0% | 24.9% | 24.0% | 26.0% | — |
| Net Profit | 10.99 | 3.99 | 3.99 | 9.99 | 12.99 | 14.01 | 22.01 | 22.47 |
| EPS (Rs) | — | — | — | — | 6.05 | 3.18 | 5.18 | 5.22 |
| Dividend payout % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — |
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 6.02 | 6.02 | 7.02 | 9.04 | 11.04 | 22.10 | 43.19 |
| Reserves | 32.97 | 37.02 | 41.00 | 73.03 | 95.01 | 189 | 186 |
| Borrowings | 148 | 63.01 | 96.90 | 248 | 181 | 185 | 176 |
| Other Liabilities | 67.32 | 11.06 | 19.09 | 43.20 | 49.24 | 44.22 | 24.12 |
| Total Liabilities | 254 | 117 | 164 | 372 | 336 | 440 | 430 |
| Fixed Assets | 0.99 | 0.99 | 0.99 | 0.00 | 6.99 | 13.97 | 22.96 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.99 | 0.00 | 0.00 |
| Investments | 0.00 | 1.99 | 1.99 | 0.00 | 0.00 | 0.00 | 7.01 |
| Other Assets | 253 | 114 | 161 | 372 | 327 | 427 | 400 |
| Trade receivables | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash & equivalents | 29.94 | 2.99 | 0.99 | 0.00 | 7.98 | 5.99 | 5.99 |
| Total Assets | 254 | 117 | 164 | 372 | 336 | 440 | 430 |
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Cash from operating activity | −27.01 | −8.01 | −35.01 | −177 | 71.11 | −93.12 | 15.01 |
| Cash from investing activity | 0.00 | −1.99 | 0.00 | 1.99 | −7.98 | −3.99 | −7.98 |
| Cash from financing activity | 53.93 | −16.99 | 34.98 | 175 | −55.93 | 94.88 | −10.99 |
| Net cash flow | 28.07 | −27.04 | 0.00 | −1.01 | 8.01 | −2.01 | −3.01 |
| Capex | 0.56 | 0.05 | 0.03 | 0.02 | 8.47 | 5.38 | 1.99 |
| Free cash flow | −27.08 | −8.03 | −35.15 | −178 | 63.23 | −98.31 | 13.05 |
| CFO / OP % | −69.9% | −43.0% | −205.0% | −491.9% | 162.1% | −205.0% | 39.0% |
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| ROE % | 29.1% | 9.0% | 9.0% | 16.1% | 13.1% | 9.1% | 10.0% |
For the Mar 2026 quarter, Usha Financial Services reported revenue of ₹17.66 Cr, up 3.9% year on year and net profit of ₹6.56 Cr, up 562.6% year on year.
Usha Financial Services' revenue for the year to Mar 2026 were ₹71.14 Cr; over the last twelve months they were ₹71.30 Cr.
Net profit for the year to Mar 2026 was ₹22.01 Cr, and ₹22.47 Cr over the last twelve months. Earnings per share over the same trailing period were ₹5.22.
Cash from operations was ₹15.01 Cr in the year to Mar 2026; after capital spending, free cash flow was ₹13.05 Cr.