Kuber Udyog (539408)

Score breakdown: P/E: 1/3 · ROCE: 0/2 · Growth: 0/2 · Dividend: 0/1

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Kuber Udyog fails my first test: it is not a business I can understand as a durable, high-return lender. This is a tiny NBFC with a ₹5 crore market cap, a price of ₹15.34, and a book value of ₹11.08. Paying 1.38 times book can make sense for a quality financial institution, but this is not quality. Return on equity is just 5.22%, and ROCE is 3.83% — returns that barely compensate for risk. The latest quarter shows sales of ₹0 crore and net profit of ₹0 crore. With zero growth in sales and profits, there is no visible earnings engine at work. In Graham's language, price is not value; price is what you pay, and here I am being asked to pay a 38% premium to stated book for a business earning almost nothing on that book. The Piotroski F-Score of 4 out of 9 reinforces my caution: the fundamentals are weak, not improving. There is no dividend, and promoter holding data is missing. In a microcap like this, absence of ownership transparency is a red flag. The 52-week range of ₹10.51 to ₹32.23 shows the stock has already fallen sharply, but a fallen price is not automatically a bargain. Without earnings, without growth, and without a margin of safety in either book value or cash flow, I cannot call this an investment. It is a stock to watch, not a company to own.

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Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer