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Swing Capital

Ugro Capital Ltd

NSE: UGROCAP BSE: 511742Banking

U GRO Capital limited is a technology-focused (data-centric & technology-enabled approach), small business lending platform. The company is focused on addressing the capital needs of small businesses operating in select eight sectors by providing customized loan solutions. [1]

₹97
52W: ₹80 — ₹193
PE 13.2 · Book ₹183 · -47% vs book
Market Cap₹1,499 Cr
Stock P/E13.2Price to Earnings
ROCE10.1%Return on Capital
ROE4.64%Return on Equity
Div. Yield0%Face Value ₹10

Strengths

  • +Stock is trading at 0.52 times its book value
  • +Company has delivered good profit growth of 31.6% CAGR over last 5 years
  • +Company's median sales growth is 54.3% of last 10 years

Weaknesses

  • −Though the company is reporting repeated profits, it is not paying out dividend
  • −Company has low interest coverage ratio.
  • −Promoter holding is low: 1.99%
  • −Company has a low return on equity of 6.98% over last 3 years.
  • −Working capital days have increased from 47.7 days to 78.3 days

Shareholding Pattern

Promoters1.99%
FIIs22.34%
DIIs1.68%
Public72.41%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters2.23%2.23%2.23%2.23%2.25%▲0.02.24%▼0.01.7%▼0.51.99%▲0.3
FIIs20.27%20.44%▲0.224.7%▲4.327.25%▲2.629.32%▲2.128.99%▼0.322.83%▼6.222.34%▼0.5
DIIs2.55%2.76%▲0.22.4%▼0.41.85%▼0.51.62%▼0.21.59%▼0.01.38%▼0.21.68%▲0.3
Public73.61%73.25%▼0.469.35%▼3.967.34%▼2.064.69%▼2.765.07%▲0.472.49%▲7.472.41%▼0.1

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses107136113139152161156167188198
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit3333303638413443630
EPS ₹2.782.782.583.023.183.442.923.710.411.9

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Capex Cycle

CWIP at ₹13Cr (10% of fixed assets). Moderate ongoing capital expenditure.

Institutional Flow

DIIs: 1.68% (-3.78pp change). FIIs: 22.34% (+0.35pp change). Promoters hold 1.99%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 13.2x with 10.1% ROCE. Price is -47% above book value of ₹183. Dividend yield: 0%.

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