Ugro Capital Limited
UGRO Capital Limited, a non-banking financial company, engages in the lending business in India. The company offers business loans to healthcare, education, chemicals, food processing/FMCG, hospitality, electrical equipment and components, auto components, micro enterprises, and light engineering sectors. It also provides factoring services, machinery and equipment loans, overdraft loans, digital… Read more
Ugro Capital Limited (UGROCAP) - Net Assets
Latest net assets as of September 2025: ₹24.63 Billion INR
Based on the latest financial reports, Ugro Capital Limited (UGROCAP) has net assets worth ₹24.63 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹107.79 Billion) and total liabilities (₹83.16 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹24.63 Billion |
| % of Total Assets | 22.85% |
| Annual Growth Rate | 33.55% |
| 5-Year Change | 114.86% |
| 10-Year Change | 6287.97% |
| Growth Volatility | 389.64 |
Ugro Capital Limited - Net Assets Trend (2009–2025)
This chart illustrates how Ugro Capital Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Ugro Capital Limited (2009–2025)
The table below shows the annual net assets of Ugro Capital Limited from 2009 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹20.46 Billion | +42.27% |
| 2024-03-31 | ₹14.38 Billion | +46.17% |
| 2023-03-31 | ₹9.84 Billion | +1.81% |
| 2022-03-31 | ₹9.67 Billion | +1.48% |
| 2021-03-31 | ₹9.52 Billion | +3.35% |
| 2020-03-31 | ₹9.22 Billion | +44.50% |
| 2019-03-31 | ₹6.38 Billion | +1622.03% |
| 2018-03-31 | ₹370.35 Million | +8.75% |
| 2017-03-31 | ₹340.55 Million | +6.31% |
| 2016-03-31 | ₹320.35 Million | +9.64% |
| 2015-03-31 | ₹292.17 Million | +6.04% |
| 2014-03-31 | ₹275.52 Million | +15.89% |
| 2013-03-31 | ₹237.73 Million | +7.58% |
| 2012-03-31 | ₹220.98 Million | +5.26% |
| 2011-03-31 | ₹209.95 Million | +2.70% |
| 2010-03-31 | ₹204.42 Million | +2.30% |
| 2009-03-31 | ₹199.82 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Ugro Capital Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 2021.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹3.24 Billion | 15.84% |
| Common Stock | ₹919.45 Million | 4.49% |
| Other Comprehensive Income | ₹5.53 Billion | 27.04% |
| Other Components | ₹10.77 Billion | 52.62% |
| Total Equity | ₹20.46 Billion | 100.00% |
Ugro Capital Limited Competitors by Market Cap
The table below lists competitors of Ugro Capital Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Bonduelle SCA
F:BDU
|
$103.97 Million |
|
ZIGEXN CO.LTD.
F:ZGE
|
$103.99 Million |
|
Samil Pharm
KO:000520
|
$104.00 Million |
|
Asiacement
KO:183190
|
$104.01 Million |
|
Aemetis Inc
NASDAQ:AMTX
|
$103.93 Million |
|
Velo3D, Inc.
NASDAQ:VELO
|
$103.93 Million |
|
KOFOLA CESKOSLOVE. KC 50
F:48K
|
$103.93 Million |
|
Borosil Limited
NSE:BOROLTD
|
$103.89 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Ugro Capital Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 14,383,617,000 to 20,463,894,000, a change of 6,080,277,000 (42.3%).
- Net income of 1,439,299,000 contributed positively to equity growth.
- New share issuances of 2,581,583,000 increased equity.
- Other comprehensive income increased equity by 4,850,847,000.
- Other factors decreased equity by 2,791,452,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹1.44 Billion | +7.03% |
| Share Issuances | ₹2.58 Billion | +12.62% |
| Other Comprehensive Income | ₹4.85 Billion | +23.7% |
| Other Changes | ₹-2.79 Billion | -13.64% |
| Total Change | ₹- | 42.27% |
Book Value vs Market Value Analysis
This analysis compares Ugro Capital Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.48x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.34x to 0.48x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2009-03-31 | ₹42.53 | ₹99.49 | x |
| 2010-03-31 | ₹43.51 | ₹99.49 | x |
| 2011-03-31 | ₹44.68 | ₹99.49 | x |
| 2012-03-31 | ₹47.03 | ₹99.49 | x |
| 2013-03-31 | ₹50.60 | ₹99.49 | x |
| 2014-03-31 | ₹58.64 | ₹99.49 | x |
| 2015-03-31 | ₹62.18 | ₹99.49 | x |
| 2016-03-31 | ₹68.18 | ₹99.49 | x |
| 2017-03-31 | ₹72.48 | ₹99.49 | x |
| 2018-03-31 | ₹78.82 | ₹99.49 | x |
| 2019-03-31 | ₹296.08 | ₹99.49 | x |
| 2020-03-31 | ₹135.36 | ₹99.49 | x |
| 2021-03-31 | ₹135.04 | ₹99.49 | x |
| 2022-03-31 | ₹135.93 | ₹99.49 | x |
| 2023-03-31 | ₹139.93 | ₹99.49 | x |
| 2024-03-31 | ₹159.15 | ₹99.49 | x |
| 2025-03-31 | ₹209.15 | ₹99.49 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Ugro Capital Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.03%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 14.93%
- • Asset Turnover: 0.11x
- • Equity Multiplier: 4.48x
- Recent ROE (7.03%) is above the historical average (5.21%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2009 | 2.38% | 310.07% | 0.01x | 1.00x | ₹-15.22 Million |
| 2010 | 2.36% | 74.81% | 0.03x | 1.01x | ₹-15.62 Million |
| 2011 | 2.63% | 67.49% | 0.04x | 1.02x | ₹-15.47 Million |
| 2012 | 4.99% | 56.60% | 0.09x | 1.01x | ₹-11.06 Million |
| 2013 | 7.05% | 40.01% | 0.18x | 1.00x | ₹-7.02 Million |
| 2014 | 13.71% | 70.81% | 0.19x | 1.03x | ₹10.23 Million |
| 2015 | 5.70% | 2206.18% | 0.00x | 1.02x | ₹-12.56 Million |
| 2016 | 9.33% | 79.15% | 0.12x | 1.01x | ₹-2.14 Million |
| 2017 | 5.79% | 84.18% | 0.07x | 1.01x | ₹-14.33 Million |
| 2018 | 8.04% | 84.75% | 0.09x | 1.00x | ₹-7.24 Million |
| 2019 | 0.62% | 343.17% | 0.00x | 1.05x | ₹-598.29 Million |
| 2020 | 2.12% | 27.24% | 0.06x | 1.32x | ₹-726.34 Million |
| 2021 | 3.02% | 21.52% | 0.08x | 1.84x | ₹-665.16 Million |
| 2022 | 1.51% | 5.43% | 0.09x | 2.95x | ₹-821.06 Million |
| 2023 | 4.04% | 8.15% | 0.11x | 4.38x | ₹-586.28 Million |
| 2024 | 8.30% | 16.88% | 0.11x | 4.37x | ₹-244.91 Million |
| 2025 | 7.03% | 14.93% | 0.11x | 4.48x | ₹-607.09 Million |
Industry Comparison
This section compares Ugro Capital Limited's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $19,332,150,434
- Average return on equity (ROE) among peers: 11.97%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Ugro Capital Limited (UGROCAP) | ₹24.63 Billion | 2.38% | 3.38x | $103.95 Million |
| Akme Fintrade India Ltd (AFIL) | $1.37 Billion | 3.01% | 1.73x | $15.17 Million |
| Arman Financial Services Limited (ARMANFIN) | $92.66 Million | 19.57% | 4.41x | $102.52 Million |
| Baid Finserv Limited (BAIDFIN) | $1.30 Billion | 5.85% | 1.62x | $4.97 Million |
| Bajaj Finance Limited (BAJFINANCE) | $96.00 Billion | 19.13% | 5.64x | $26.87 Billion |
| Capital Trust Limited (CAPTRUST) | $71.67 Million | 3.08% | 1.26x | $600.21K |
| Capri Global Capital Limited (CGCL) | $2.81 Billion | 44.70% | 0.62x | $557.05 Million |
| Cholamandalam Financial Holdings Limited (CHOLAHLDNG) | $78.64 Billion | 8.86% | 7.64x | $1.71 Billion |
| Capital India Finance Limited (CIFL) | $6.94 Billion | -0.40% | 1.34x | $2.96K |
| CP Capital Limited (CPCAP) | $4.99 Billion | 8.72% | 0.16x | $4.86 Million |
| CREDITACCESS GRAMEEN LIMITED (CREDITACC) | $1.11 Billion | 7.16% | 3.91x | $736.39 Million |