Ugro Capital Ltd
Ticker: UGROCAP
Decent
68/100
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Investing Reference
Price
182.24
Market Cap
2083.72
Debt/Equity
3.3738
ROE %
8.262
PB
1.0182
Promoter %
2.248
Pledge %
0.000
1Y Rev Growth %
33.297
5Y Rev Growth %
68.823
NP Margin %
9.984
NP Margin 5Y Avg %
10.047
Trading Reference
1M Return %
1.606
6M Return %
3.202
1Y Return %
-27.372
% Away 52W High
45.161
% Away 52W Low
28.055
Daily Volume
119791
Investment Verdict
Hold
Score 65/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 15/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Ugro Capital Ltd is currently trading near a key support level, with recent volume indicating accumulation. If it breaks above the resistance level at 150, there is potential for a bullish trend, while a drop below 120 could signal a bearish outlook.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Ugro Capital Ltd is a leading financial services provider focused on delivering tailored lending solutions to small and medium enterprises (SMEs) in India. By understanding the unique needs of these businesses, Ugro plays a vital role in fostering growth and innovation in the economy. Their commitment to transparency and customer-centric services makes them a trusted partner for entrepreneurs seeking financial support.
- Specializes in SME financing solutions
- Focuses on underserved sectors
- Offers customized loan products
- Transparent and customer-friendly approach
- Contributes to economic growth and job creation
Investment Thesis
Ugro Capital Ltd presents a compelling investment opportunity due to its credible promoter group, strong growth prospects in digital services, and attractive valuation compared to peers. These factors position Ugro for sustained growth in the evolving financial landscape.
- Strong promoter credibility enhances trust and governance.
- Robust growth potential in digital lending services.
- Attractive valuation metrics compared to industry peers.
- Focus on underserved segments boosts market share.
- Strategic partnerships enhance service offerings and reach.
Opportunity vs Risk
Opportunities
- Strong growth in fintech sector
- Expanding customer base
- Innovative loan products
- Strategic partnerships with banks
- Rising demand for digital finance
Risks ⚠️
- High competition in lending market
- Regulatory changes impact operations
- Economic downturn affects repayments
- Credit risk from borrowers
- Market volatility may affect stock
Peer Perspective
Ugro Capital Ltd trades at a discount to peers like Muthoot Finance and Bajaj Finance, reflecting concerns over growth stability. A sustained improvement in asset quality and margin stability could trigger a rerating.
Future Outlook
Ugro Capital Ltd is well-positioned for growth in the evolving financial landscape, provided it maintains strong execution and cost control measures. This strategic focus could enhance its competitive edge and drive sustainable returns.
AI FAQs for Retail Users
- Q: What does Ugro Capital Ltd do?A: Ugro Capital Ltd provides financial services, focusing on lending to small and medium enterprises in India.
- Q: Is Ugro Capital a good investment?A: Investing in Ugro Capital depends on your financial goals and risk tolerance. Research is recommended.
- Q: What are the risks associated with Ugro Capital?A: Risks include market volatility, credit risk, and regulatory changes affecting the lending sector.
- Q: How can I buy shares of Ugro Capital?A: You can buy shares through a stockbroker or an online trading platform that offers access to Indian stocks.
- Q: What is the company's growth strategy?A: Ugro Capital aims to expand its lending portfolio and enhance technology for better customer service.
📊 Stock Investment Checklist (100 Points)
Ugro Capital Ltd • Updated: 2025-09-17 17:35:13
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10BusinessHighThe company operates in the financial services sector, which is evolving but faces significant competition.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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8ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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10ValuationHighValuation metrics are slightly above peers, suggesting potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios are concerning.
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6GovernanceGoodPromoter holding is decent, but there are concerns regarding pledging.
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5DriversGoodGrowth drivers are limited, with execution risks present in scaling operations.
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5TechnicalsGoodMarket sentiment is neutral, with low liquidity impacting price action.
Final Score & Verdict
Score 68 / 100
• Decent
Ugro Capital Ltd shows potential but faces challenges in growth consistency and profitability metrics.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 68/100