Usha Financial Services Limited

NSEI:USHAFIN Stock Report

Market Cap: ₹2.6b

Usha Financial Services Valuation

Is USHAFIN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of USHAFIN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: USHAFIN (₹121.05) is trading above our estimate of fair value (₹25.15)

Significantly Below Fair Value: USHAFIN is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for USHAFIN?

Key metric: As USHAFIN is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for USHAFIN. This is calculated by dividing USHAFIN's market cap by their current earnings.
What is USHAFIN's PE Ratio?
PE Ratio19.6x
Earnings₹134.50m
Market Cap₹2.63b

Price to Earnings Ratio vs Peers

How does USHAFIN's PE Ratio compare to its peers?

The above table shows the PE ratio for USHAFIN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average25.9x
512381 Starteck Finance
23.4xn/a₹2.7b
538882 Emerald Finance
54xn/a₹3.3b
538714 Sangam Finserv
20.2xn/a₹2.2b
538943 Sonal Mercantile
5.9xn/a₹1.6b
USHAFIN Usha Financial Services
19.6xn/a₹2.6b

Price-To-Earnings vs Peers: USHAFIN is good value based on its Price-To-Earnings Ratio (19.6x) compared to the peer average (25.9x).

Price to Earnings Ratio vs Industry

How does USHAFIN's PE Ratio compare vs other companies in the IN Diversified Financial Industry?

8 CompaniesPrice / EarningsEstimated GrowthMarket Cap
531310 Available Finance
2.5xn/aUS$38.91m
538732 Vibrant Global Capital
5xn/aUS$17.88m
539217 Srestha Finvest
5xn/aUS$12.24m
531735 Prism Finance
2.8xn/aUS$2.43m
USHAFIN 19.6xIndustry Avg. 24.3xNo. of Companies19PE020406080100+
8 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: USHAFIN is good value based on its Price-To-Earnings Ratio (19.6x) compared to the Indian Diversified Financial industry average (24.3x).

Price to Earnings Ratio vs Fair Ratio

What is USHAFIN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

USHAFIN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio19.6x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate USHAFIN's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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