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Usha Financial Services Ltd

NSE:USHAFINFinance

₹57.45+0.79%At closeAt close · Mon 19 Oct · ≈ AED 2.22 · Market cap $26.07M

Ratio	FY2021	FY2021	FY2022	FY2023	FY2024	FY2025	YoY
Gross margin	98.7%	98.7%	99.5%	99.6%	92.1%	94.1%	+2.0 pts
Operating margin	—	63.3%	78.2%	73.5%	68.8%	75.9%	+7.1 pts
Net margin	16.6%	16.6%	22.7%	20.0%	22.2%	31.8%	+9.6 pts
EBITDA margin	66.7%	66.7%	79.5%	80.6%	81.1%	83.9%	+2.8 pts
Return on equity	—	8.7%	12.4%	12.1%	6.4%	9.8%	+3.4 pts
Return on assets	2.5%	2.5%	2.7%	3.8%	3.1%	5.2%	+2.1 pts
Return on capital employed	—	15.7%	16.7%	24.6%	12.5%	15.7%	+3.2 pts
Debt / equity	—	2.0×	3.0×	1.7×	0.9×	0.8×	−13.9%
Debt / assets	59.2%	59.2%	66.5%	54.0%	43.0%	40.9%	−2.1 pts
Interest coverage	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	—
Cash ratio	—	0.0×	0.0×	0.1×	0.1×	0.0×	−48.4%
Asset turnover	0.2×	0.2×	0.1×	0.2×	0.1×	0.2×	+17.8%
Receivables turnover	—	59.1×	218.2×	264.6×	291.8×	369.1×	+26.5%
Dividend payout	—	0.0%	0.0%	0.0%	0.0%	0.0%	—