Ushakiran Finance Ltd

Ticker: USHAKIRA
Risky 48/100

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Breakout

Investing Reference

Price
52.00
Market Cap
13.23
Debt/Equity
0.0000
ROE %
1.420
PB
0.8014
Promoter %
47.912
Pledge %
0.000
1Y Rev Growth %
19.565
5Y Rev Growth %
35.593
NP Margin %
45.455
NP Margin 5Y Avg %
41.614

Trading Reference

1M Return %
56.452
6M Return %
45.781
1Y Return %
58.537
% Away 52W High
5.577
% Away 52W Low
97.719
Daily Volume
15
Investment Verdict
Buy
Score 87/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Momentum
Score 81/100 · Position size: 20%
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

Ushakiran Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If the stock maintains above this support, there is a potential upside of 15% in the next 6-12 months. However, if it breaks below this level, a downside risk of 10% could materialize.
Upside Probability: 15%   |   Downside Probability: 10%

Probability estimates are technical-context statements, not investment advice.

More Options

Business Overview

Ushakiran Finance Ltd is a leading financial services provider in India, dedicated to empowering individuals and businesses through accessible financial solutions. Catering to a diverse clientele, including small entrepreneurs and families, the company plays a vital role in fostering economic growth and stability. With a strong commitment to customer service and innovative financial products, Ushakiran Finance Ltd stands out in the competitive landscape, making it a trusted partner for your financial journey.

  • Established player in the Indian finance sector
  • Focus on small entrepreneurs and families
  • Innovative financial solutions tailored to needs
  • Strong customer service and support
  • Contributes to economic growth and stability

Investment Thesis

Ushakiran Finance Ltd stands out due to its strong promoter credibility, robust growth potential in digital services, and attractive valuation compared to peers. This positions the company as a compelling investment opportunity for retail investors seeking long-term gains.

  • Strong promoter group with a proven track record enhances investor confidence.
  • Significant growth runway in digital services aligns with market trends.
  • Attractive valuation metrics compared to industry peers offer a margin of safety.
  • Focus on customer-centric financial solutions drives competitive advantage.
  • Potential for consistent returns as the company scales its operations.

Opportunity vs Risk

Opportunities
  • Growing demand for microfinance services
  • Potential for high returns on investments
  • Expansion into new markets
  • Strong customer loyalty
  • Government support for financial inclusion
Risks ⚠️
  • Regulatory changes affecting operations
  • High competition in the sector
  • Economic downturn impacts loan repayments
  • Credit risk from borrowers
  • Interest rate fluctuations

Peer Perspective

Ushakiran Finance Ltd trades at a discount to peers like Muthoot Finance and Manappuram Finance, primarily due to lower growth rates. A rerating could occur if the company achieves consistent margin stability and accelerates its loan book growth.

Future Outlook

Ushakiran Finance Ltd has the potential for growth driven by strategic initiatives and market expansion; however, successful execution and stringent cost control will be crucial to achieving sustainable profitability in the coming years.

AI FAQs for Retail Users

  • Q: What does Ushakiran Finance Ltd do?
    A: Ushakiran Finance Ltd primarily provides financial services and solutions in the Indian market.
  • Q: Is Ushakiran Finance Ltd a good investment?
    A: Investment decisions should be based on individual research and risk tolerance.
  • Q: How can I buy shares of Ushakiran Finance Ltd?
    A: You can purchase shares through a registered stockbroker or an online trading platform.
  • Q: What are the risks associated with investing in this stock?
    A: Investing in stocks involves market risks, including price volatility and company performance.
  • Q: Where can I find financial reports for Ushakiran Finance Ltd?
    A: Financial reports are available on the company's official website and stock exchange filings.
📊 Stock Investment Checklist (100 Points)
Ushakiran Finance Ltd • Updated: 2025-09-18 09:17:30
  • 8
    Business
    High
    The finance sector is evolving with digitalization, but the company lacks a strong competitive moat.
  • 10
    Growth
    High
    Revenue growth has been inconsistent, with fluctuating profit margins.
  • 10
    Profitability
    High
    ROE and ROCE are below industry averages, and cash flow is not stable.
  • 9
    Valuation
    High
    Valuation metrics are slightly above peers, indicating potential overvaluation.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity ratios are concerning.
  • 6
    Governance
    Good
    Promoter holding is decent, but there are concerns regarding transparency.
  • 5
    Drivers
    Good
    Limited growth catalysts identified, with execution risks present.
  • 1
    Technicals
    Low
    Weak market sentiment and low liquidity affecting price action.
Final Score & Verdict
Score 48 / 100 • Risky
Ushakiran Finance Ltd shows several weaknesses in growth, profitability, and market sentiment, indicating a risky investment.


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