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Investor Presentation

Ugro Capital Investor Presentation: Key Takeaways

Q2 FY27 consolidated PBT ₹68 Cr (+12% YoY) and PAT ₹50.7 Cr (+17% YoY, −25% QoQ). Focused products rose to 53% of AUM (₹15,019 Cr) as the company shifts to annuity-led income.

Ugro Capital Ltd NSE: UGROCAP Alert sent Investor presentation
Highlights
Revenue growthTotal income +25% YoY; net total income +16%
MarginsPortfolio yield 18.7% (+108 bps YoY); H1 PF ROA 2.7%
Demand visibilityRecord monthly disbursements above ₹1,000 Cr each month
Management confidenceConfident; focus mix ahead of plan

Growth

Total income ₹578.4 Cr (+25% YoY); net total income ₹282.4 Cr (+16%); PAT ₹50.7 Cr (+17% YoY, −25% QoQ).

Outlook

Steady-state ROA 3.0-3.5% and 85% focus AUM by FY29; no new equity till FY29; NCLT hearing 20 Nov 2026.

Risks

Credit cost surged to ₹86.9 Cr (+96% YoY); quarterly profit remains sensitive to credit cost; new vintage seasoning unproven.

Last quarter's promises, checked

Delivered

  • FY27 AUM flat (Q1 ₹15,013 Cr) → ₹15,019 Cr (= BEAT, in line)
  • EM LAP 25% CAGR → +42% YoY to ₹4,268 Cr (= BEAT)
  • GROx 25% CAGR → +188% YoY to ₹3,661 Cr (= BEAT)

Partly delivered

  • EM LAP credit cost 1.5–2% → ratio undisclosed; ₹86.9 Cr, +96% YoY (= PARTIAL)
  • 85% focus AUM by FY29 → 53% at Q2, from 46% (= PARTIAL, on path)

Missed

  • Opex ~₹119 Cr/qtr (FY27 ~₹490 Cr) → ₹127 Cr (= MISS)
Source

Investor Presentation filed with NSE, NSE: UGROCAP. Summary written with AI assistance from the document.

Read the document ↗

Ugro Capital Ltd: key numbers

Share price
₹71.74
Market cap
₹1,114 Cr
Revenue (annual)
₹1,766 Cr
Net profit (annual)
₹113.4 Cr
P/E (TTM)
8.0×Sector 19.5×
Promoter holding
2.88%+0.00% QoQ
FII holding
7.09%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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