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UGRO Capital Limited (UGROCAP.NS)
INR97.77
+2.14 (+2.24%)
IN NSE Financial Services Financial - Credit Services
Address
Tower 3, Equinox Business Park 400070
Mumbai, IN
Mumbai, IN
CEO
Anuj Pandey
Website
ugrocapital.com
IPO
2021-08-11
ISIN INE583D01011
Also trades on
Bombay Stock Exchange · UGROCAP.BO (INR)
National Stock Exchange of India · UGROCAP.NS (INR)
Description
UGRO Capital Limited functions as a non-banking financial company primarily engaged in offering various lending services. The firm provides business financing specifically targeting diverse sectors such as healthcare, education, chemicals, food processing/FMCG, hospitality, electrical equipment and components, auto components, and light engineering. Founded in 1993, the company is headquartered in Mumbai, India. It was formerly named Chokhani Securities Limited before officially changing to UGRO Capital Limited in September 2018.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
INR97.77
+2.14 (+2.24%)
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Volume Profile
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Liquidity & share structure
Average Volume
442.2K
Beta
0.24
Float Shares
89.24M
Free Float %
71.9%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.49% | +0.25% | -8.03% | -14.88% | -43.12% | -43.79% | -44.65% | -53.20% | -14.13% | -14.13% | -14.13% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
97.77
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
1.31
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
2 / 5
Medium
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+52.9% ★ Q1'26: +89.4% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%-20.8% Q1'26: -17.7% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+5.4% Q1'26: -14.9% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%-5.7% Q1'26: -6.9% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%-0.5% Q1'26: -0.8% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+56.4% Q1'26: +53.2% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×-776.05× Q1'26: -1,301.83× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 1 Rev. Ana. 1 EPS Ana. |
Mar 2027 1 Rev. Ana. 1 EPS Ana. |
Mar 2028 1 Rev. Ana. 1 EPS Ana. |
Mar 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|
| Revenue |
2.68B
est: 1.67B (+60.9%)
|
4.88B
est: 3.90B (+25.1%)
|
7.07B
est: 6.18B (+14.4%)
|
9.64B
est: 8.26B (+16.7%)
|
13.82B
13.82B – 13.82B
+67.4% YoY
|
11.73B
11.73B – 11.73B
-15.1% YoY
|
12.86B
12.86B – 12.86B
+9.6% YoY
|
53.87B
53.87B – 53.87B
+318.9% YoY
|
| EBITDA |
348.23M
est: 374.20M (-6.9%)
|
1.07B
est: 876.32M (+21.5%)
|
2.19B
est: 2.56B (-14.3%)
|
2.62B
est: 1.52B (+72.1%)
|
2.54B
2.54B – 2.54B
+67.4% YoY
|
2.16B
2.16B – 2.16B
-15.1% YoY
|
2.37B
2.37B – 2.37B
+9.6% YoY
|
9.92B
9.92B – 9.92B
+318.9% YoY
|
| EBIT |
224.90M
est: 284.84M (-21.0%)
|
888.73M
est: 667.05M (+33.2%)
|
1.84B
est: 2.44B (-24.4%)
|
2.15B
est: 1.14B (+88.2%)
|
1.91B
1.91B – 1.91B
+67.4% YoY
|
1.62B
1.62B – 1.62B
-15.1% YoY
|
1.78B
1.78B – 1.78B
+9.6% YoY
|
7.46B
7.46B – 7.46B
+318.9% YoY
|
| Net Income |
145.51M
est: 225.04M (-35.3%)
|
397.76M
est: 890.39M (-55.3%)
|
1.19B
est: 1.23B (-3.1%)
|
1.44B
est: 2.35B (-38.7%)
|
2.08B
2.08B – 2.08B
-11.3% YoY
|
2.24B
2.24B – 2.24B
+7.7% YoY
|
2.74B
2.74B – 2.74B
+22.2% YoY
|
3.55B
3.55B – 3.55B
+29.6% YoY
|
| SGA |
175.77M
est: 114.67M (+53.3%)
|
380.37M
est: 268.54M (+41.6%)
|
551.35M
est: 425.47M (+29.6%)
|
521.07M
est: 455.01M (+14.5%)
|
761.78M
761.78M – 761.78M
+67.4% YoY
|
646.52M
646.52M – 646.52M
-15.1% YoY
|
708.63M
708.63M – 708.63M
+9.6% YoY
|
2.97B
2.97B – 2.97B
+318.9% YoY
|
| EPS |
2.02
est: 2.30 (-12.2%)
|
5.58
est: 9.10 (-38.7%)
|
13.12
est: 12.59 (+4.2%)
|
15.37
est: 15.34 (+0.2%)
|
13.60
13.60 – 13.60
-11.3% YoY
|
14.65
14.65 – 14.65
+7.7% YoY
|
17.90
17.90 – 17.90
+22.2% YoY
|
23.20
23.20 – 23.20
+29.6% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-26 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-25 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-22 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-21 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-20 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-19 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-18 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-15 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-14 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-13 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-12 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-11 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-05-08 | B | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-07 | B | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-06 | B | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-05 | B | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-04 | B | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-30 | B | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-29 | B | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-28 | B | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-23 | B+ | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-22 | B+ | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-21 | B+ | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-20 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-17 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-16 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
215.71M
OE per share TTM
2.27
Owner's Yield
1.44%
Maintenance CapEx ratio
19.29%
Maint CapEx / Avg PPE
8.1%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
-502.6K
Shares Outstanding
124.16M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Shachindra Nath | Founder, Vice Chairman & MD | 76M | male |
| Anuj Pandey | Chief Executive Officer | 28M | male |
| Shilpa Bhatter | Chief Financial Officer | 13M | female |
| Satish Kumar Chelladurai | Company Secretary & Compliance Officer | 5M | male |
| Neeraj Deshpande | Business Head of Co-lending | — | male |
| Paramasivam T. | Business Head of Emerging Market Business | — | male |
| Rahul Sekar | Chief Technology & Product Officer | — | male |
| Rajni Khurana | Chief People Officer | — | female |
| Ranga Aparna | Head of Credit of South of Emerging Market | — | female |
| Ritu Prakash Singh | Senior Economist & Head of Investor Relations | — | female |
| Satyabrata Mohapatra | Chief Operations Officer | — | male |
| Sharad Agarwal | Chief Operating Officer & Chief Technology Officer | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for UGROCAP.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
