Unifinz Capital India Ltd

Unifinz Capital Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Unifinz Capital India Ltd

₹ 599 -0.17%
01 Aug - close price
lendingplate.com BSE: 541358
About

Unifinz Capital India Limited is a NBFC registered with the RBI. lendingplate is the brand name under which the company conducts its lending operations and specialises in meeting customer’s instant financial needs.

Key Points

Business Overview:[1][2]
UCIL is a Non Systematically Important
Non Deposit Taking Non Banking Finance. Company is in the business of advancing loans and investing /trading in securities and present in 224 cities through its branches and online
platform

Website BSE
  • Market Cap ₹ 530 Cr.
  • Current Price ₹ 599
  • High / Low ₹ 675 / 226
  • Stock P/E 26.4
  • Book Value ₹ 87.6
  • Dividend Yield 0.08 %
  • ROCE 47.1 %
  • ROE 49.4 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has a good return on equity (ROE) track record: 3 Years ROE 36.8%
  • Company's median sales growth is 89.8% of last 10 years

Cons

  • Promoter holding is low: 25.0%
  • Company's cost of borrowing seems high
  • Promoter holding has decreased over last 3 years: -46.9%

* 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
0.07 1.47 2.53 2.46 2.69 4.14 8.74 7.96 8.97 15.00 23.74 37.23 45.38
0.72 1.19 1.49 2.33 3.09 4.20 6.70 7.99 8.01 10.82 15.36 26.76 34.32
Operating Profit -0.65 0.28 1.04 0.13 -0.40 -0.06 2.04 -0.03 0.96 4.18 8.38 10.47 11.06
OPM % -928.57% 19.05% 41.11% 5.28% -14.87% -1.45% 23.34% -0.38% 10.70% 27.87% 35.30% 28.12% 24.37%
0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.01 0.00 0.01 0.00 0.01 0.64
Interest 0.00 0.25 0.35 0.45 0.29 0.47 0.91 1.22 1.31 1.44 1.45 1.85 1.93
Depreciation 0.01 0.11 0.07 0.19 0.19 0.19 0.19 0.19 0.20 0.24 0.30 0.38 0.52
Profit before tax -0.66 -0.08 0.62 -0.51 -0.88 -0.72 0.95 -1.43 -0.55 2.51 6.63 8.25 9.25
Tax % -19.70% -25.00% 35.48% -35.29% -36.36% -26.39% 27.37% -25.17% -54.55% 34.26% 26.24% 25.70% 20.22%
-0.55 -0.07 0.40 -0.32 -0.56 -0.52 0.69 -1.07 -0.24 1.66 4.89 6.14 7.38
EPS in Rs -1.75 -0.22 1.27 -1.02 -1.78 -1.66 2.20 -3.41 -0.76 5.29 14.72 9.39 8.34
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
0 0 0 0 1 1 1 1 2 9 30 122
0 0 0 0 1 1 1 1 1 8 27 87
Operating Profit -0 0 0 0 1 -0 0 1 1 1 3 35
OPM % -200% 0% 25% 22% 54% -12% 0% 46% 54% 11% 10% 28%
0 0 0 0 0 0 0 0 0 0 0 0
Interest 0 0 0 0 0 0 0 0 0 1 4 7
Depreciation 0 0 0 0 0 0 0 0 0 1 1 1
Profit before tax -0 0 0 0 1 -0 0 1 1 -1 -2 27
Tax % 0% 50% 27% 0% 11% 15% -35% -34% 25%
-0 0 0 0 0 -0 0 0 1 -1 -1 20
EPS in Rs -0.32 0.00 1.56 3.34 -1.75 -3.63 22.66
Dividend Payout % 0% 57% 0% 0% 0% 0% 0% 0% 2%
Compounded Sales Growth
10 Years: 123%
5 Years: 145%
3 Years: 279%
TTM: 309%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 167%
TTM: 1860%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: 83%
1 Year: 151%
Return on Equity
10 Years: 28%
5 Years: 33%
3 Years: 37%
Last Year: 49%

Balance Sheet

Figures in Rs. Crores

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 0.24 0.24 1 1 3 3 3 3 3 3 3 9
Reserves 0 1 0 0 1 1 1 3 2 2 1 69
0 0 1 1 1 1 1 1 1 6 27 33
0 0 0 0 2 0 0 0 0 6 8 15
Total Liabilities 0 1 2 2 7 5 5 7 6 17 39 126
0 0 0 0 0 0 0 0 0 5 4 3
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 0 0 1 2 0 0 0 15
0 1 2 2 7 4 4 5 6 12 35 108
Total Assets 0 1 2 2 7 5 5 7 6 17 39 126

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-0 -3 -1 -0 -1 -0 -4 -16 -30
0 0 2 0 1 1 -0 -0 -16
-0 3 -1 -0 0 -0 4 17 52
Net Cash Flow -0 -0 1 -1 0 1 -1 0 6

Ratios

Figures in Rs. Crores

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 0 0 0 0 0 171 0 0 0 0 0 0
Inventory Days 4,801 521 42 0
Days Payable 0 11 9
Cash Conversion Cycle 0 0 0 0 4,801 680 33 0 0 0 0 0
Working Capital Days -365 -274 -30 -61 267 689 144 80 -31 -202 -89 -33
ROCE % -4% 0% 2% 2% 20% -1% 0% 10% 20% 6% 10% 47%

Shareholding Pattern

Numbers in percentages

Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
71.85% 71.85% 71.85% 71.85% 71.85% 71.85% 70.44% 70.44% 66.58% 33.83% 24.98% 24.98%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 11.29% 11.29%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 8.47% 8.58%
28.14% 28.14% 28.14% 28.14% 28.14% 28.14% 29.55% 29.55% 33.42% 66.17% 55.24% 55.15%
No. of Shareholders 180277275263262271339319361416503557

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports