अApnaFunda

URBAN COMPANY LTD (URBANCO)

Finance · Finance/Rental/Leasing · figures to Nov '26

Quality scoreHow the business itself ranks against its sector peers on profitability, 3-year growth and leverage. 50 is the middle of the sector.53 / 100
Profitability 7Balance sheet 100
Momentum scoreHow strong the recent trend is: 3-month price change, 12-month improvement in earnings and the rise in FII + DII holding, among companies above ₹500 cr.45 / 100
Price 86Earnings 5

Passes these screensPrice ahead of businessInstitutions in, retail out

Share price

Closing priceAdjusted for splits and bonus issues.

₹159.11 latest close · +20.6% over the last 90 sessions

₹140₹160₹180Jul 3Jul 29Aug 24Sep 17Oct 14Nov 9 ₹140₹160₹180Jul 3Sep 4Nov 9

₹159.11 month-end · +17.8% over 12 months

₹120₹140₹160Nov '25Jan '26Apr '26Jun '26Sep '26Nov '26 ₹120₹140₹160Nov '25May '26Nov '26

₹159.11 month-end · −4.9% since Sep '25

₹120₹140₹160Sep '25Dec '25Mar '26May '26Aug '26Nov '26 ₹120₹140₹160Sep '25Apr '26Nov '26

52-week range ₹100.70 to ₹183.97 · 1-year volatility 45.9%

How rough has the ride been?

Maximum drawdown-44.8%not yet recovered
1-year volatility45.9%annualised
Volume spikes11last 90 sessions, 5x the 50-day median

Drawdown from peak

0%−20%−40%2026−43.2% 0%−20%−40%2026−43.2%
Largest drawdowns

-44.8% (2025-09 peak to 2026-03 low, not yet recovered)

Most recent volume spikes

2026-09-03: 6.3x the 50-day median, price +3.3% that day

2026-08-31: 8.7x the 50-day median, price -0.8% that day

2026-08-25: 7.1x the 50-day median, price +0.3% that day

Where does it rank among Finance peers?

Each cell is the company's percentile rank among its Finance peers (non-financial companies) that month.
Darker is better-ranked.
Rows marked ↓ are inverted (lower debt, shorter cash cycle and a lower P/E rank higher).

Where it ranks today

  • ROCE3rd▼ 17 pts vs a year ago
  • Op. margin11th▼ 3 pts vs a year ago
  • Revenue growth79th
  • Debt/equity ↓60th▲ 4 pts vs a year ago
  • Cash cycle ↓97thflat vs a year ago
  • 12M momentum83rd

Rank history

ROCE
Op. margin
Revenue growth
Debt/equity ↓
Cash cycle ↓
12M momentum
Dec '21Jul '22Jan '23Jul '23Jan '24Jul '24Jan '25Jul '25Jan '26Jul '26Nov '26
Lower rank Higher rank Not enough data

Percentiles use today's listed companies in the sector and need at least 5 peers with a value; grey cells have too few.
ROE is computed from net profit and book value where the source does not report it.

The Finance sector page Watch it move against Finance in the Observatory

What is the price implying?

Trailing earnings per share are negative, so a P/E-based figure does not exist. See the loss-makers list on the Expectations Gap page for a revenue-based version.

“Implied growth” is what the current price would require under our stated assumptions, not what we expect.

What prices imply across Finance The market-wide Expectations lists

Key figures

Share Priceclose 9 Nov
₹159.11
ROCE
-8.0%
Market Cap
₹24507 cr
Revenue (TTM)
₹1717 cr
P/S
14.3x
P/B
11.4x
ROE
-15.9%
Operating Margin
-18.0%
Debt / Equity
0.1x
Promoter Holding
19.0%
12M Momentum
17.8%

52-week range

₹100.70₹183.97
70% of the way from its 52-week low to its high

Price risk

1Y volatility
45.9%
Beta vs sector
1-year daily
0.88

Balance sheet & cash

Interest cover
operating profit ÷ interest
-10.0x
Share count, 1Y
+198.0%

Are profits backed by cash?

1 of 2checks within range1 beyond a threshold
Other income reliance—Not enough data

Not enough reported data to compute this.

Tax rate—Not enough data

Not enough reported data to compute this.

Cash conversion—Not enough data

Not enough reported data to compute this.

Free cash flow1 of 5 yrsBeyond threshold

Fiscal years with positive free cash flow in the last 5: 1. Bands: at least 80% of years, 40% to 80%, below 40%.

Receivable days vs history—Not enough data

Not enough reported data to compute this.

Capital work in progress0% of fixed assetsWithin range

Capital work-in-progress is 0% of fixed assets. Bands: not rising or up to 30%; rising for three years and above 30%; rising and above 60%.

Payable days—Not enough data

Not enough reported data to compute this.

Tap a check to see how it is measured

How to read this

Each check is a named rule with fixed thresholds, not a score. Annual statements are the latest restated figures, so a past year may differ from what was originally reported.

All terms explained in the glossary →

Who has been buying and selling?

  • Since Sep 2025, FIIs trimmed 12.1 pts; DIIs added 5.3 pts; promoters trimmed 1.4 pts.
  • The number of shareholders fell from 2.1 lakh to 2.0 lakh (-6%) between Sep 2025 and Jun 2026.

Holdings, Jun '26

How each group changed

GroupSep '25Jun '26Change
Promoters20.4%19.0%-1.4 pts
FIIs67.4%55.3%-12.1 pts
DIIs6.1%11.4%+5.3 pts
Public and others6.1%9.7%+3.7 pts

Number of shareholders

2.0 lakhshareholders-6% since Sep '25
2.0L2.1L2.1L2.1L Sep '25Dec '25Mar '26Jun '26
Sep '25: 2.1 lakh
Dec '25: 2.1 lakh
Mar '26: 2.1 lakh
Jun '26: 2.0 lakh
2.0L2.1L2.1L2.1L Sep '25Dec '25Mar '26Jun '26
Sep '25: 2.1 lakh
Dec '25: 2.1 lakh
Mar '26: 2.1 lakh
Jun '26: 2.0 lakh

Quarterly shareholding as reported, labelled by the quarter it covers (it becomes visible about two months later).
Shareholder counts are only available for recent quarters.

This quarter's smart-money board

What happened next to similar setups

−14.3%typical 12-month return vs the marketNot meaningfully different from the base rate
  • We found 50 past situations where a non-financial company looked like URBAN COMPANY LTD today on valuation, return on capital, margins, debt, growth, price momentum, size and volatility.
  • Over the following 12 months the middle half of them returned −38% to +38% vs the market, against −4% for all non-financial companies in the same months.
  • The gap against the base rate (−10.1%, 80% range −22.5% to +6.4%) is within what chance and overlapping periods produce.

Where the 50 outcomes landed

−100%−50%0%+50%+100%
BROOKS · Jan 2025: −63.4% vs market
ALOKINDS · Jan 2022: −56.4% vs market
ENIL · Feb 2024: −55.1% vs market
DBREALTY · Jun 2025: −52.8% vs market
BALAJITELE · Jul 2020: −48.9% vs market
IITL · Apr 2020: −47.5% vs market
MTNL · Sep 2025: −47.0% vs market
ABREL · Jun 2025: −45.8% vs market
GENESYS · Oct 2022: −45.4% vs market
PAYTM · Oct 2023: −40.8% vs market
UNIENTER · Sep 2025: −39.1% vs market
KREBSBIO · Mar 2020: −38.5% vs market
DELHIVERY · Oct 2023: −38.2% vs market
EMAMIREAL · Jul 2025: −37.5% vs market
JAICORPLTD · Jan 2020: −36.6% vs market
KIOCL · Jun 2024: −34.4% vs market
HEMIPROP · Sep 2025: −32.0% vs market
NSLNISP · Jun 2024: −29.2% vs market
SCILAL · Oct 2025: −27.2% vs market
SUNDROP · Jun 2025: −27.0% vs market
MAXIND · Sep 2025: −25.2% vs market
ITI · Dec 2024: −24.2% vs market
AURUM · Feb 2023: −20.5% vs market
EMBDL · Jun 2024: −16.1% vs market
ASHIANA · Mar 2021: −16.0% vs market
ZOTA · Jan 2022: −12.7% vs market
BORORENEW · May 2025: −9.4% vs market
GMRAIRPORT · May 2024: −5.4% vs market
INDIGO · Jan 2023: +0.2% vs market
ORIENTHOT · May 2023: +2.9% vs market
GREAVESCOT · Nov 2024: +3.9% vs market
NAUKRI · Jun 2020: +8.9% vs market
SUVEN · Apr 2024: +13.6% vs market
PANACEABIO · Oct 2024: +28.8% vs market
TEJASNET · Jun 2023: +33.2% vs market
UNICHEMLAB · Apr 2020: +36.3% vs market
KERNEX · Aug 2024: +36.7% vs market
TEXINFRA · Nov 2022: +38.8% vs market
THOMASCOOK · Sep 2022: +40.3% vs market
INOXGREEN · Dec 2023: +43.1% vs market
INDHOTEL · Jun 2022: +45.2% vs market
TANLA · Feb 2021: +45.5% vs market
POLICYBZR · Sep 2023: +45.8% vs market
WONDERLA · Sep 2022: +64.5% vs market
EIHOTEL · Apr 2023: +71.5% vs market
ETERNAL · Aug 2023: +74.3% vs market
ORCHPHARMA · Mar 2023: +83.5% vs market
MAHLIFE · Apr 2021: +83.6% vs market
INOXWIND · Nov 2023: +110.8% vs market
TARC · May 2023: +127.5% vs market
Similar setups −14.3%All companies −4.2%← worse than the marketbetter than the market →

Each dot is one past situation (hover or tap for details) · Solid dots are the closest matches, listed below · Shaded is the middle half of all companies in the same months · 2 beyond the range shown, drawn at the edge

Similar setups' median
−14.3%
All companies' median
−4.2%
Beat the market
44% vs 45%

50 past situations · 50 companies · 38 months · 2020–2025

The closest matches

CompanyWhenP/EROCE12M mom.DrawdownNext 12 months
POLICYBZR
Technology Services
Sep 2023 —-8% +62%−4% +46%
ETERNAL
Technology Services
Aug 2023 —-6% +68%−2% +74%
PAYTM
Technology Services
Oct 2023 —-12% +44%−7% −41%
NAUKRI
Technology Services
Jun 2020 —-13% +23%−10% +9%
EIHOTEL
Consumer Services
Apr 2023 —-3% +18%−6% +72%
Show the other 3 matches
CompanyWhenP/EROCE12M mom.DrawdownNext 12 months
TEJASNET
Electronic Technology
Jun 2023 —-1% +61%−5% +33%
AURUM
Technology Services
Feb 2023 —-11% +43%−20% −21%
DBREALTY
Finance
Jun 2025 —-3% +26%−2% −53%
How reliable is this?

Matched on P/S, ROCE, operating margin, debt/equity, interest cover, revenue growth, 12-month momentum, drawdown from 12-month high, size and volatility. Closest on: 12-month momentum, drawdown from 12-month high and ROCE. Not used (unavailable for this company): P/E. This company is loss-making, so it was only compared with loss-making companies. One match per company and at most 7 from any one month.

Independent periods: the matches fall in 6 distinct 12-month windows. Matches from nearby months share the same market conditions, so fewer windows means less evidence.

How this is built

This is history, not a forecast. These are past situations where other companies had broadly similar reported numbers and price trends. What happened to them does not tell you what will happen to URBAN COMPANY LTD. The comparison covers only 2020–2025, a single market period, and only companies still listed today. Companies that were delisted or went bankrupt are missing, which makes past outcomes look better than they were. Returns exclude dividends and are measured against an ApnaFunda-built index, not an official benchmark. Fundamentals are matched on a 60-day assumed reporting lag, not actual announcement dates. Its historical skill has not yet been measured. Past patterns may not repeat.

Methodology

How historical analogs are built

Data as of 2026-11-09. Outcome pool: Jan 2020 to Oct 2025.

For every company we look at the situation it is in today (valuation, return on capital, margins, debt, growth, 12-month price momentum, drawdown, size and volatility) and find past company-months that looked most like it. We then show what happened to those past situations over the following 12 months, measured against the ApnaFunda All index and against the base rate. It describes history. It does not predict anything.

What is compared

FeatureWeightNon-financialFinancial
P/E1yesyes
P/S1yes—
P/B1—yes
ROCE1yes—
operating margin1yes—
ROE1—yes
debt/equity0.75yes—
interest cover0.5yes—
revenue growth0.75yesyes
12-month momentum1yesyes
drawdown from 12-month high0.75yesyes
size0.75yesyes
volatility0.5yesyes

Weights were set by judgement before any outcome was looked at and are never tuned on results. Loss-making companies (negative P/E or net profit) are only matched with other loss-making companies. Banks, NBFCs and insurers are compared only with each other and use a different feature set. Every feature is converted, month by month, to its rank among companies in the same pool in that month, so a P/E of 30 in a hot market and a P/E of 22 in a cold one can match if both were equally expensive for their time. Only that month's data is used.

How closeness and the sample are defined

Distance is the weighted root-mean-square gap between the standardised features both companies have. A match needs at least 70% of the query's feature weight, a distance of at most 0.9, and 30 matches at minimum to be shown. We keep up to 50 matches with these exclusions: never the company itself, one match per company (its closest month), and at most 7 from any one calendar month so a single market episode cannot dominate.

Base rate

The base rate is the distribution of 12-month returns, relative to the market, of every eligible company-month in the same pool, with each month weighted to match the months the analogs came from. It answers: how did a random company do in these same months? Because matches from nearby months share the same market conditions, we also report the number of distinct 12-month windows behind a result, and a bootstrap that resamples months decides whether the analog median differs from the base rate at all. "Not meaningfully different" is the usual outcome and the page copy is written for it.

Limits you should know

  • One market period. The outcome pool covers 2020–2025 only (70 months), including the 2020 crash and the 2020–21 rally.
  • Survivorship. Only companies listed today are included. Delisted and bankrupt companies are missing, which flatters past outcomes, particularly for distressed-looking setups.
  • Price return only. Dividends are excluded, and the benchmark is an ApnaFunda market-cap-weighted index of the same listed companies, not an official index.
  • Reporting lag. Fundamentals are matched on an assumed 60-day lag after the quarter end, not on real announcement dates.
  • Pools: non-financial: 98,395 company-months from 2019 companies; financial: 5,659 company-months from 108 companies. 2349 companies currently have a result; the rest are suppressed because too few comparable situations exist.

Does it work? A walk-forward check

The walk-forward check has not been run for this build, so skill is shown as not yet measured.

Disclaimer

This is history, not a forecast. These are past situations where other companies had broadly similar reported numbers and price trends. What happened to them does not tell you what will happen to any company shown. The comparison covers only 2020–2025, a single market period, and only companies still listed today. Companies that were delisted or went bankrupt are missing, which makes past outcomes look better than they were. Returns exclude dividends and are measured against an ApnaFunda-built index, not an official benchmark. Fundamentals are matched on a 60-day assumed reporting lag, not actual announcement dates. Its historical skill has not yet been measured. Past patterns may not repeat.

What else looks like this?

Companies with the most similar financial profile today, regardless of industry.

Industrial Services
47%similar
promoter holdingoperating margin
Health Technology
41%similar
operating marginmarket cap
Consumer Services
41%similar
promoter holdingROCE
Process Industries
38%similar
ROCEoperating margin
MEESHOMEESHO
Retail Trade
37%similar
promoter holdingROCE
Finance
29%similar
operating marginROCE
SOBHASOBHA
Finance
11%similar
market capoperating margin
Finance
9%similar
revenuedebt/equity

Similarity is statistical, based on reported metrics; it does not imply similar business quality or future returns.

What changed?

6 events since Mar '26

  1. SepSharesShare count is up 198.0% over 12 months.
  2. AugPriceVolume reached 47.6x its 50-day median on 2026-08-03; price +13.0% that day.
  3. JunInstitutionsFII + DII holding fell 7.0 pts over 2 quarters to 66.5%.
  4. AprPriceVolume reached 12.4x its 50-day median on 2026-04-22; price +8.0% that day.
  5. MarPriceFell 45% from the Sep 2025 peak to the Mar 2026 low.
  6. MarPriceVolume reached 48.8x its 50-day median on 2026-03-18; price +10.0% that day.

Events are generated from the data by fixed rules.
The month shown is when the change became visible in the reported figures, assuming a 60-day lag after each quarter end; it is not an announcement date.

Where price and fundamentals disagree, market-wide Rewind the whole market to any month

Monthly history15 months · 2025-09 to 2026-11
MonthRevenue (TTM)ROEROCEDebt / Equity
2026-11₹1717 cr-15.9%-8.0%0.1x
2026-10₹1717 cr-15.5%-8.0%0.1x
2026-09₹1717 cr-15.5%-8.0%0.1x
2026-08₹1556 cr-10.9%-8.0%0.1x
2026-07₹1556 cr-10.9%-8.0%0.1x
2026-06₹1556 cr-10.9%-8.0%0.1x
2026-05₹1428 cr-4.2%2.0%0.1x
2026-04₹1428 cr-4.2%2.0%0.1x
2026-03₹1428 cr-4.2%2.0%0.1x
2026-02₹1333 cr9.9%2.0%0.1x
2026-01₹1333 cr9.9%2.0%0.1x
2025-12₹1333 cr9.9%2.0%0.1x
2025-11₹1230 cr13.0%2.0%0.1x
2025-10₹1230 cr13.0%2.0%0.1x
2025-09₹1230 cr13.0%2.0%0.1x

Methodology and data notes

Methodology

Methodology and data notes

All figures come from public exchange prices and screener.in financial statements. Quarterly and annual results are shown from 60 days after the period end, so a month never uses a result before it would plausibly have been published. Statements are the latest versions, which may include later restatements.

Sector medians, percentiles and indices use today's listed companies in the sector (survivorship bias). Prices are adjusted for splits and bonus issues; around a corporate action the fundamentals may lag the price by up to a month, and affected sections are hidden.

The return decomposition uses price = P/E × net profit ÷ share count. The reverse DCF uses a fixed 12% cost of equity, a 10-year horizon and a 15x terminal P/E, and is an illustration only. Events, flags and twins follow fixed rules and thresholds described next to each section.

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