U. Y. Fincorp Ltd

U. Y. Fincorp Ltd

₹ 24.4 1.54%
28 Mar 4:01 p.m.
About

U. Y. Fincorp Limited is a Kolkata based RBI registered Non-Banking Financial Company. U. Y. Fincorp Limited primarily focuses on providing inter corporate loans, personal loans, and investments in securities and trading in securities. [1]

Key Points

Services
Fund-Based Services: Infrastructure Funding, Retail Finance, Real Estate Funding, etc.
Fee Based Services: Loan Syndication & Project Counselling [1]

  • Market Cap 464 Cr.
  • Current Price 24.4
  • High / Low 36.5 / 12.5
  • Stock P/E 7.61
  • Book Value 16.2
  • Dividend Yield 0.00 %
  • ROCE 4.45 %
  • ROE 3.11 %
  • Face Value 5.00

Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Company is expected to give good quarter

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 2.80% over last 3 years.
  • Earnings include an other income of Rs.75.1 Cr.

* 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

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
7.45 -1.65 10.07 35.04 15.92 22.64 9.57 15.27 16.69 14.03 20.74 29.10 32.81
-1.33 1.96 1.94 31.48 49.12 -3.17 7.54 11.60 13.78 12.53 15.39 33.70 27.28
Operating Profit 8.78 -3.61 8.13 3.56 -33.20 25.81 2.03 3.67 2.91 1.50 5.35 -4.60 5.53
OPM % 117.85% 80.73% 10.16% -208.54% 114.00% 21.21% 24.03% 17.44% 10.69% 25.80% -15.81% 16.85%
0.26 0.27 0.27 0.30 0.33 0.33 0.32 0.38 0.49 0.33 0.34 73.62 0.81
Interest 0.20 0.21 0.28 0.28 0.28 0.28 0.19 0.10 0.02 0.02 0.02 0.02 0.02
Depreciation 0.03 0.03 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.04
Profit before tax 8.81 -3.58 8.08 3.54 -33.19 25.81 2.11 3.90 3.33 1.76 5.63 68.96 6.28
Tax % 26.79% 37.15% 25.50% 30.51% 26.18% 25.53% 22.75% 22.05% 32.13% 54.55% 23.09% 25.80% 25.00%
6.45 -2.25 6.03 2.46 -24.49 19.22 1.63 3.05 2.26 0.80 4.33 51.17 4.71
EPS in Rs 0.34 -0.12 0.32 0.13 -1.29 1.01 0.09 0.16 0.12 0.04 0.23 2.69 0.25
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
96 77 13 181 25 26 24 20 18 15 85 57 97
93 66 6 170 9 8 7 3 13 2 79 45 89
Operating Profit 3 10 8 11 16 18 17 17 5 13 6 12 8
OPM % 3% 13% 56% 6% 64% 70% 70% 83% 30% 89% 7% 20% 8%
0 0 0 0 -3 0 0 -10 0 0 0 0 75
Interest 2 7 6 3 0 0 0 0 1 1 1 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 1 3 1 9 13 18 16 6 5 13 4 11 83
Tax % 22% 25% 13% 33% 43% 37% 30% 33% 40% 24% 24% 30%
1 2 1 6 7 11 12 4 3 9 3 8 61
EPS in Rs 0.10 0.11 0.04 0.30 0.38 0.60 0.61 0.21 0.14 0.50 0.17 0.41 3.21
Dividend Payout % 74% 66% 0% 0% 0% 0% 8% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: -3%
5 Years: 19%
3 Years: 47%
TTM: 51%
Compounded Profit Growth
10 Years: 15%
5 Years: -8%
3 Years: 41%
TTM: 133%
Stock Price CAGR
10 Years: 10%
5 Years: 43%
3 Years: 101%
1 Year: 93%
Return on Equity
10 Years: 3%
5 Years: 2%
3 Years: 3%
Last Year: 3%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2023
Equity Capital 17 33 34 95 95 95 95 95 95 95 95 95 95
Reserves 12 60 65 119 127 138 149 150 137 147 150 158 213
56 57 50 0 0 0 0 0 8 14 14 1 1
0 4 5 2 2 2 3 15 28 28 44 41 60
Total Liabilities 86 154 155 216 224 235 248 260 269 284 304 295 370
0 1 1 0 0 1 1 1 1 1 1 1 1
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 11 19 41 42 39 37 34 36 46 47 49 35 19
75 134 114 174 184 197 212 223 221 236 254 259 350
Total Assets 86 154 155 216 224 235 248 260 269 284 304 295 370

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-66 -56 24 -56 3 1 -9 3 15 5 -5 -3
-11 -10 -22 -4 4 2 2 -3 -24 0 0 0
79 63 -0 58 -0 0 0 -1 8 5 -1 -0
Net Cash Flow 2 -2 3 -3 7 3 -7 -1 -2 9 -6 -4

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 18 1 136 0 1 2 0 0 0 0 0 32
Inventory Days 41 24 318 8 137 186 17 102 133
Days Payable 0 0 0 0 0 0 0 0 0
Cash Conversion Cycle 59 25 454 8 139 188 17 0 0 0 102 165
Working Capital Days 190 454 1,959 313 2,588 2,596 3,224 -6 -322 -366 -65 -42
ROCE % 7% 9% 5% 6% 7% 8% 7% 7% 2% 5% 2% 4%

Shareholding Pattern

Numbers in percentages

Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
60.53% 60.53% 61.47% 61.47% 65.52% 67.98% 68.32% 68.41% 70.51% 70.51% 70.87% 71.38%
39.46% 39.46% 38.53% 38.53% 34.48% 32.01% 31.68% 31.60% 29.49% 29.50% 29.13% 28.62%
No. of Shareholders 2,6253,3304,0595,2687,1717,8717,3057,2367,0536,5166,8818,239

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