Usha Financial Services (NSE:USHAFIN) ROCE %: 8.11% (As of Mar. 2026)


NSE:USHAFIN Usha Financial Services Ltd NSE:USHAFIN
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What is Usha Financial Services ROCE %?

Usha Financial Services NSE:USHAFIN 12 ROCE % is 8.11% as of Mar. 2026. GuruFocus rates NSE:USHAFIN with a GF Score™ of 12/100. The stock has 3 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Usha Financial Services's annualized ROCE % for the quarter that ended in Mar. 2026 was 8.11%.

Usha Financial Services  (NSE:USHAFIN) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Usha Financial Services ROCE % Related Terms

Usha Financial Services ROCE % Historical Data

* Premium members only.

The historical data trend for Usha Financial Services's ROCE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Usha Financial Services ROCE % Chart

Usha Financial Services Annual Data
Trend Mar22 Mar23 Mar24 Mar25 Mar26
ROCE %
5.45 9.95 8.53 9.73 9.30

Usha Financial Services Quarterly Data
Mar22 Mar23 Mar24 Sep24 Dec24 Mar25 Sep25 Dec25 Mar26
ROCE % Get a 7-Day Free Trial Premium Member Only 11.52 9.94 8.46 9.40 8.11
NSE:USHAFIN
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Usha Financial Services Ltd NSE:USHAFIN
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Usha Financial Services ROCE % Calculation

Usha Financial Services's annualized ROCE % for the fiscal year that ended in Mar. 2026 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=344.258/( ( (4401.635 - 1283.266) + (4296.354 - 9.474) )/ 2 )
=344.258/( (3118.369+4286.88)/ 2 )
=344.258/3702.6245
=9.30 %

Usha Financial Services's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=347.852/( ( (0 - 0) + (4296.354 - 9.474) )/ 1 )
=347.852/( ( 0 + 4286.88 )/ 1 )
=347.852/4286.88
=8.11 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 8.11% mean?
Usha Financial Services (NSE:USHAFIN) has a ROCE % of 8.11% as of Mar. 2026.
Is Usha Financial Services' ROCE % too high?
Usha Financial Services' current ROCE % is 8.11%. The Credit Services industry median ROCE % is 3.39. Usha Financial Services' value of 8.11% is 139.2% above this industry median. Overall, Usha Financial Services has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Usha Financial Services' ROCE % compare to V and MA?
Usha Financial Services' ROCE % of 8.11% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. Usha Financial Services' value of 8.11% is 139.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Usha Financial Services's current ROCE % of 8.11% is 139.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Usha Financial Services's current ROCE % is 8.11%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Usha Financial Services stock overvalued right now?
Usha Financial Services (NSE:USHAFIN) has a current ROCE % of 8.11%. The current ROCE % is 8.11% and 139.2% above the Credit Services industry median of 3.39. Usha Financial Services' overall GF Score™ is 12/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Usha Financial Services (NSE:USHAFIN), the current ROCE % is 8.11% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Usha Financial Services Business Description

Address Plot No. 73, Industrial Area, First Floor, Patparganj, East Delhi, Delhi, IND, 110092
Usha Financial Services Ltd is a non-banking finance company. It provides lending solutions to fellow NBFCs, corporates, MSMEs, and individuals, particularly to women entrepreneurs. The company's services also extend to Electric vehicle (EV) financing. It provides diversified financial products to individuals, bodies corporates, NBFCs, and MSMEs.
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ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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