Usha Financial Services Complete Financial Statements
In FYNone, Usha Financial Services (USHAFIN) reported revenue ₹74 Cr, net profit ₹25 Cr and EPS ₹5.80, with a net profit margin of 32.4% and ROE of 10.0%. Full financial statements from FY2020 to FY2026 (7 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. For live price, earnings ratios and company overview, see Usha Financial Services share price chart.
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Profitability Ratios
Balance Sheet Ratios
USHAFIN Revenue, Net Profit & EBITDA — Year-on-Year Growth
USHAFIN YoY (March 2026 vs Period) — revenue +4.2%, net profit +8.7%, EBITDA +5.4%. Compare with USHAFIN fair value estimate to assess whether the stock is under or overvalued.
USHAFIN Income Statement — Revenue, EBITDA & Net Profit
Usha Financial Services revenue ₹74 Cr, EBITDA ₹59 Cr, net profit ₹25 Cr, EPS ₹5.80 (None) — net profit margin 32.4%.
| Particulars | None | March 2026 | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 74 | 71 | 61 | 64 | 46 | 25 | 26 | 52 |
| Expenses | 16 | 16 | 19 | 17 | 11 | 9 | 10 | 16 |
| EBITDA | 59 | 56 | 43 | 47 | 36 | 16 | 16 | 36 |
| Operating Profit Margin % | 79.00% | 78.00% | 70.00% | 73.00% | 77.00% | 64.00% | 62.00% | 69.00% |
| Depreciation | 2 | 2 | 1 | 0 | 0 | 0 | 1 | 1 |
| Interest | 23 | 23 | 24 | 30 | 22 | 10 | 11 | 20 |
| Profit Before Tax | 34 | 31 | 18 | 17 | 14 | 6 | 5 | 15 |
| Tax | 7 | 8 | 4 | 4 | 4 | 1 | 1 | 4 |
| Net Profit | 25 | 23 | 13 | 13 | 10 | 4 | 4 | 11 |
| Earnings Per Share (₹) | 5.80 | 5.17 | 3.33 | 8.21 | 7.42 | 3.51 | 6.25 | 17.00 |
USHAFIN Balance Sheet — Assets, Liabilities & Shareholders' Equity
USHAFIN total assets ₹430 Cr, total equity ₹230 Cr, total liabilities ₹ Cr (2026) — ROE 10.0%.
| Particulars | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| ASSETS | |||||||
| Total Assets | 430 | 431 | 336 | 372 | 164 | 117 | 254 |
| Current Assets | 8 | 11 | 267 | 260 | 121 | 67 | 212 |
| Fixed Assets | 23 | 23 | 7 | 1 | 1 | 1 | 1 |
| Capital Work in Progress | 0 | 0 | 2 | 0 | 0 | 0 | 0 |
| Investments | 7 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 400 | 408 | 327 | 372 | 164 | 116 | 253 |
| LIABILITIES | |||||||
| Total Liabilities | |||||||
| Current Liabilities | 174 | 185 | 85 | 127 | 53 | 40 | 51 |
| Non-Current Liabilities | |||||||
| SHAREHOLDERS' EQUITY | |||||||
| Total Equity | 230 | 209 | 106 | 82 | 48 | 44 | 39 |
| Share Capital | 44 | 22 | 11 | 9 | 7 | 6 | 6 |
| Reserves & Surplus | 186 | 187 | 95 | 73 | 41 | 37 | 33 |
USHAFIN Cash Flow Statement — Operating, Investing & Financing
Usha Financial Services operating cash flow ₹15 Cr, investing ₹-8 Cr, financing ₹-11 Cr, net cash flow ₹-3 Cr (2026).
| Particulars | March 2026 | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 |
|---|---|---|---|---|---|---|---|
| Operating Activities | 15 | -95 | 72 | -177 | -35 | -8 | -27 |
| Investing Activities | -8 | -2 | -8 | 2 | 0 | -2 | 0 |
| Financing Activities | -11 | 95 | -56 | 175 | 35 | -17 | 54 |
| Net Cash Flow | -3 | -2 | 8 | -1 | 0 | -27 | 28 |