U. Y. Fincorp Ltd
Incorporated in 1993, U. Y. Fincorp Ltd is
in the business of Financial and Related Services[1]
- Market Cap ₹ 343 Cr.
- Current Price ₹ 18.0
- High / Low ₹ 39.4 / 15.5
- Stock P/E 29.2
- Book Value ₹ 17.3
- Dividend Yield 0.00 %
- ROCE 5.46 %
- ROE 3.62 %
- Face Value ₹ 5.00
Pros
- Company is almost debt free.
- Stock is trading at 1.04 times its book value
- Company has delivered good profit growth of 33.7% CAGR over last 5 years
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has a low return on equity of 9.83% over last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
13 | 181 | 25 | 26 | 24 | 20 | 18 | 15 | 85 | 57 | 197 | 111 | |
6 | 170 | 9 | 8 | 7 | 3 | 13 | 2 | 79 | 45 | 112 | 94 | |
Operating Profit | 8 | 11 | 16 | 18 | 17 | 17 | 5 | 13 | 6 | 12 | 85 | 17 |
OPM % | 56% | 6% | 64% | 70% | 70% | 83% | 30% | 89% | 7% | 20% | 43% | 15% |
0 | 0 | -3 | 0 | 0 | -10 | 0 | 0 | 0 | 0 | 0 | 2 | |
Interest | 6 | 3 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 1 |
Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
Profit before tax | 1 | 9 | 13 | 18 | 16 | 6 | 5 | 13 | 4 | 11 | 84 | 17 |
Tax % | 13% | 33% | 43% | 37% | 30% | 33% | 40% | 24% | 24% | 30% | 23% | 31% |
1 | 6 | 7 | 11 | 12 | 4 | 3 | 9 | 3 | 8 | 65 | 12 | |
EPS in Rs | 0.04 | 0.30 | 0.38 | 0.60 | 0.61 | 0.21 | 0.14 | 0.50 | 0.17 | 0.41 | 3.41 | 0.62 |
Dividend Payout % | 0% | 0% | 0% | 0% | 8% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | -5% |
5 Years: | 44% |
3 Years: | 9% |
TTM: | -44% |
Compounded Profit Growth | |
---|---|
10 Years: | 7% |
5 Years: | 34% |
3 Years: | 54% |
TTM: | -82% |
Stock Price CAGR | |
---|---|
10 Years: | 16% |
5 Years: | 64% |
3 Years: | 13% |
1 Year: | -30% |
Return on Equity | |
---|---|
10 Years: | 5% |
5 Years: | 7% |
3 Years: | 10% |
Last Year: | 4% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 34 | 95 | 95 | 95 | 95 | 95 | 95 | 95 | 95 | 95 | 95 | 95 |
Reserves | 65 | 119 | 127 | 138 | 149 | 150 | 137 | 147 | 150 | 158 | 223 | 235 |
50 | 0 | 0 | 0 | 0 | 0 | 8 | 14 | 14 | 1 | 1 | 6 | |
5 | 2 | 2 | 2 | 3 | 15 | 28 | 28 | 44 | 41 | 8 | 10 | |
Total Liabilities | 155 | 216 | 224 | 235 | 248 | 260 | 269 | 284 | 304 | 295 | 327 | 345 |
1 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 6 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 41 | 42 | 39 | 37 | 34 | 36 | 46 | 47 | 49 | 35 | 19 | 21 |
114 | 174 | 184 | 197 | 212 | 223 | 221 | 236 | 254 | 259 | 307 | 319 | |
Total Assets | 155 | 216 | 224 | 235 | 248 | 260 | 269 | 284 | 304 | 295 | 327 | 345 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
24 | -56 | 3 | 1 | -9 | 3 | 15 | 5 | -5 | -3 | -18 | 7 | |
-22 | -4 | 4 | 2 | 2 | -3 | -24 | 0 | 0 | 0 | 19 | 6 | |
-0 | 58 | -0 | 0 | 0 | -1 | 8 | 5 | -1 | -0 | -0 | -5 | |
Net Cash Flow | 3 | -3 | 7 | 3 | -7 | -1 | -2 | 9 | -6 | -4 | 0 | 7 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 136 | 0 | 1 | 2 | 0 | 0 | 0 | 0 | 0 | 32 | 101 | 0 |
Inventory Days | 318 | 8 | 137 | 186 | 17 | 102 | 133 | 51 | 57 | |||
Days Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
Cash Conversion Cycle | 454 | 8 | 139 | 188 | 17 | 0 | 0 | 0 | 102 | 165 | 152 | 57 |
Working Capital Days | 1,959 | 313 | 2,588 | 2,596 | 3,224 | -6 | -322 | -366 | -65 | -42 | 145 | 78 |
ROCE % | 5% | 6% | 7% | 8% | 7% | 7% | 2% | 5% | 2% | 4% | 29% | 5% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
24 May - Newspaper Publication w.r.t. Voluntary Delisting of the Company''s Equity Shares from Calcutta Stock Exchange
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Announcement under Regulation 30 (LODR)-Newspaper Publication
24 May - Copy of newspaper Publication with respect to Extract of Standalone Audited Financial Results for the quarter and year ended 31st March, 2025.
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Outcome Of Board Meeting
22 May - Board approved auditors appointments, code modification, and voluntary delisting from Calcutta Stock Exchange.
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Announcement under Regulation 30 (LODR)-Change in Management
22 May - Board approved auditor appointments, code update, and voluntary delisting from Calcutta Stock Exchange.
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Audited Financial Results As On 31.03.2025
22 May - Audited standalone financial results for FY ended 31 Mar 2025 with unmodified audit opinion.
Annual reports
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Financial Year 2024
from bse
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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Business Overview:[1]
UYFL is a RBI registered Non Systematically Important Non Deposit Taking - Non-Banking Financial Company. It is primarily focused
on providing inter-corporate loans, personal loans, and investments & trading in securities