Ugro Capital Limited has informed the Exchange about Investor Presentation
UGROCAP · price
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Ugro Capital has filed a revised investor presentation for Q4 FY25 and the year ended 31st March 2025. Assets under management (AUM) grew 33% year-on-year to ₹12,003 crore, with net loan origination in Q4 hitting a record ₹2,436 crore (up 57% YoY). Profit after tax for FY25 rose 21% to ₹143.9 crore, though margins showed some pressure with net total income margin falling to 13.7% from 14.8% and return on assets dropping to 2.4% from 2.8%. Gross non-performing assets edged up to 2.3% from 2.0%, but provision coverage remained steady at 47%. The Emerging Market channel and embedded finance (MSL) acquisition are key growth drivers, with management targeting 400 branches by March 2026 and raising the Emerging Market AUM share to 32-35% over the next 4-6 quarters.
Strong growth in AUM and disbursements is positive, but slightly higher GNPA and guided pricing pressure on secured loans signal near-term margin headwinds. The cost of borrowings improved to 10.61%, which is supportive. Shareholders should watch asset quality trends and execution on the Emerging Market and embedded finance expansion plans.