Usha Financial Services Ltd
Ticker: USHAFIN
Risky
48/100
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Investing Reference
Price
45.90
Market Cap
199.55
Debt/Equity
0.8745
ROE %
8.708
PB
0.9451
Promoter %
74.477
Pledge %
0.000
1Y Rev Growth %
-5.206
5Y Rev Growth %
3.302
NP Margin %
22.778
NP Margin 5Y Avg %
19.191
Trading Reference
1M Return %
1.373
6M Return %
23.970
1Y Return %
-41.097
% Away 52W High
109.150
% Away 52W Low
88.695
Daily Volume
25600
Investment Verdict
Buy
Score 83/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 39/100 · 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.
Summary
Usha Financial Services Ltd shows potential for growth but faces market challenges.
✅ Positives
- Strong revenue growth in recent quarters
- Diverse financial product offerings
- Improving asset quality metrics
⚠️ Negatives
- High competition in financial services sector
- Regulatory risks affecting operations
- Volatility in stock performance
Verdict
Moderate growth potential with caution advised.
Recommendation: Consider a hold position for now.
Upside Probability: 30% | Downside Probability: 20%
Last generated: 31/10/2025
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Business Overview
Usha Financial Services Ltd is a prominent player in the Indian financial services sector, offering a range of solutions tailored for individuals and businesses. With a commitment to empowering clients through financial literacy and tailored services, Usha aims to foster economic growth and stability. The company stands out for its customer-centric approach, making financial services accessible and understandable for everyone.
- Established leader in the Indian financial sector
- Focus on customer empowerment and financial literacy
- Wide range of services for individuals and businesses
- Commitment to transparency and trust
- Innovative solutions tailored to client needs
Investment Thesis
Usha Financial Services Ltd stands out due to its strong promoter credibility, a robust growth trajectory in digital services, and attractive valuation compared to peers. These factors position the company for significant upside potential, making it a compelling investment opportunity for retail investors.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital financial services aligns with market trends.
- Attractive valuation metrics compared to industry peers suggest room for appreciation.
- Focus on technology-driven solutions positions the company for future scalability.
- Solid fundamentals and growth strategy make it a prudent choice for long-term investors.
Opportunity vs Risk
Opportunities
- Growing demand for financial services
- Expansion into untapped markets
- Strong digital transformation initiatives
- Potential for high returns on investment
Risks ⚠️
- Regulatory changes affecting operations
- High competition in the sector
- Economic downturns impacting profitability
- Dependence on market sentiment
Peer Perspective
Usha Financial Services Ltd trades at a discount compared to peers like HDFC and Bajaj Finance, primarily due to lower growth rates. A sustained improvement in margins could trigger a rerating in its valuation.
Future Outlook
Usha Financial Services Ltd is well-positioned for growth, driven by strategic initiatives and market demand. However, successful execution and stringent cost control will be crucial to maximize shareholder value in the coming quarters.
AI FAQs for Retail Users
- Q: What does Usha Financial Services Ltd do?A: Usha Financial Services Ltd provides financial services including loans, investments, and advisory services to clients.
- Q: Is Usha Financial Services Ltd a good investment?A: Investing in Usha Financial Services Ltd depends on your financial goals and risk tolerance. Research is essential.
- Q: What are the risks of investing in this stock?A: Risks include market volatility, regulatory changes, and company performance. Always consider these factors before investing.
- Q: How can I buy shares of Usha Financial Services Ltd?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What is the dividend policy of Usha Financial Services Ltd?A: The company’s dividend policy may vary. Check their latest announcements for updates on dividends.
📊 Stock Investment Checklist (100 Points)
Usha Financial Services Ltd • Updated: 2025-09-18 09:17:01
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10BusinessHighThe financial services sector is evolving with digital transformation, but Usha's competitive edge is unclear.
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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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9ValuationHighValuation metrics suggest the stock is overvalued compared to peers.
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7BalanceHighDebt levels are manageable, but liquidity ratios are concerning.
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6GovernanceGoodPromoter holding is adequate, but there are concerns about transparency.
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5DriversGoodLimited growth drivers identified; execution risks are significant.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Usha Financial Services Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100