Financial & Valuation Intelligence™
Urban Company Limited
NSE
URBANCO
Sector: Technology· Software - ApplicationCurrent Price
₹129.1
Market Cap
₹24.38K Cr
AI Financial Summary
Urban Company Limited exhibits high revenue growth but suffers from systemic profitability issues and inconsistent net earnings, resulting in negative return metrics and a challenging outlook for long-term shareholder value creation.
Business Performance (CAGR)
10 Years
Revenue
38.7%
PAT
—
EPS
—
Book Value
-75.4%
Free Cash Flow
—
Valuation Snapshot
P/E-78.1
P/B8.6
EV/EBITDA—
P/S15.7
Div Yield—
Financial Health
Debt to Equity0.06
Interest Coverage-13.1x
Current Ratio1.5
Cash & Investments₹1.79K Cr
Profitability Metrics
ROE
-11.0%
ROCE
-7.1%
ROA
-8.6%
EBITDA Mgn
-16.3%
Op Margin
-10.4%
Net Margin
-15.1%
Cash Flow Intelligence
Operating Cash Flow₹-99 Cr
Free Cash Flow₹-175 Cr
Cash Conversion42.0%
FCF Margin-11.3%
Intrinsic Value
PremiumEstimated Intrinsic Value
████████
Current Price₹129.1
Margin of Safety██.██%
Estimated Intrinsic Value & DCF Fair Value are available with Premium plans.
AI Business Verdict
The business displays strong growth characteristics but is hindered by a lack of operational profitability and cash generation; the current valuation lacks a margin of safety for long-term value creation.
- Robust top-line revenue growth at 38.68% CAGR.
- Conservative leverage profile with low debt-to-equity ratio.
- Adequate short-term liquidity levels.
Balance Sheet
AI-Powered Analysis
Balance Sheet Strength™
74/100
Good
Urban Company Limited maintains a balanced sheet with adequate liquidity and manageable leverage.
AI Confidence
92%
Stability
89
Flexibility
73
Strength Factors
Liquidity79
Leverage96
Working Capital82
Asset Quality100
Shareholder Strength0
Financial Stability89
Financial Flexibility™
73/100
Good
Capacity to fund growth, withstand downturns and return capital.
Total Assets
₹2.72K Cr
▲ 18.0% YoY
Total Liabilities
₹575 Cr
▲ 12.9% YoY
Shareholder Equity
₹2.14K Cr
▲ 19.4% YoY
Net Cash Position
+₹1.66K Cr
Excellent
Debt / Equity
0.06x
Very Low
Enterprise Value
₹22.73K Cr
Capital Structure
Assets
₹2.72K Cr
Equity
₹2.14K Cr (78.9%)
Liabilities
₹575 Cr (21.1%)
Debt Intelligence™
Debt vs Cash Trend
Debt / Equity0.06x
Interest Coverage-13.1x
Debt / EBITDANot Available
Net Debt₹-1.66K Cr
Debt Trend (5Y)5.9%
Debt MaturityWell Staggered
Liquidity Intelligence™
Current Ratio1.50
Quick Ratio1.30
Cash Ratio0.93
Working Capital₹221 Cr
Operating Cash CoverageGood
Short-term LiquidityStrong
Working Capital Intelligence™
CCC Trend
Receivable Days9
Inventory Days21
Payable DaysNot Available
Cash Conversion Cycle30 days
Asset Quality (% of Total Assets)
Cash & Investments19.6%
Property, Plant & Equip.5.8%
ReceivablesNot Available
InventoryNot Available
GoodwillNot Available
Intangible AssetsNot Available
Other Assets94.2%
Shareholder Strength™
Strength Radar
Book Value CAGR (5Y)-75.4%
Net Worth CAGR (5Y)22.6%
Retained EarningsWeak
Equity Dilution0.00%
Buyback EfficiencyWeak
Dividend Sustain.Strong
Balance Sheet Evolution
Annual
Balance Sheet Risk Monitor
Debt RiskLow
Liquidity RiskModerate
Working Capital RiskLow
Refinancing RiskModerate
Asset Quality RiskLow
Dilution RiskLow
Contingent LiabilityLow
Overall Balance Sheet RiskModerate
Balance Sheet Stress Test™
Economic Slowdown89
Acquisition Capacity80
High Interest Rates40
Dividend Sustainability37
Revenue Decline76
Cash Flow Resilience80
Expansion Capacity44
Overall Resilience Score
64/100
Adequate Resilience
AI Balance Sheet Commentary
Overall Assessment
- Urban Company Limited maintains a balanced sheet with adequate liquidity and manageable leverage.
What Stands Out
- Net cash position — debt fully covered by cash & investments
- Large cash & investment reserves
- Very low leverage with net cash balance
Areas To Monitor
- Thin interest coverage — cyclical earnings risk
- Large 'other assets' bucket — investigate composition
- Slow book value compounding
Financial data based on consolidated numbers and TTM · Source: Company Filings, Annual Report AI Analysis · Data as of: 31/03/2026