Unifinz Capital India Ltd

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

₹ 132 -1.75%
11 Nov - close price
lendingplate.com BSE: 541358
About

Incorporated in 1982, Unifinz Capital India Limited is a RBI registered NBFC. The Company commenced its retail lending operations under the Lendingplate brand in Mar'22, offering digital lending solutions to retail borrowers.

Key Points

Business Overview:[1][2]
Unifinz Capital India Ltd. is an RBI-registered NBFC–Investment & Credit Company (NBFC-ICC) that commenced retail lending operations under the Lendingplate brand in Mar'22. The Company operates as a technology-driven digital lender, providing unsecured personal loans primarily to salaried individuals across more than 450 cities and towns in India. Through its fully digital platform, Unifinz offers loans ranging from Rs. 5,000 to Rs. 2.5 lakh with tenures of 20 days to 12 months, supported by end-to-end digital loan origination, underwriting, and disbursement processes.

Product portfolio[3]
Personal, travel, wedding, education, home renovation, medical emergency, debt consolidation, balance transfer, short-term and long-term loans, along with specialised lending solutions for salaried employees, self-employed individuals, doctors, chartered accountants, government employees, and women borrowers.

Website BSE
  • Market Cap ₹ 585 Cr.
  • Current Price ₹ 132
  • High / Low ₹ 146 / 61.0
  • Stock P/E 7.43
  • Book Value ₹ 47.9
  • Dividend Yield 0.38 %
  • ROCE 55.2 %
  • ROE 72.1 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 182% CAGR over last 5 years
  • Company has a good return on equity (ROE) track record: 3 Years ROE 64.0%
  • Company's median sales growth is 158% of last 10 years

Cons

  • Promoter holding is low: 19.8%
  • Promoter holding has decreased over last 3 years: -52.0%

* 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

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
9 8 9 15 24 37 45 83 129 148 152 180 234
Interest 1 1 1 1 1 2 2 3 9 11 12 23 28
7 8 8 11 15 27 34 57 87 98 116 133 184
Financing Profit 1 -1 -0 3 7 9 9 23 33 38 24 24 21
Financing Margin % 13% -16% -4% 18% 29% 23% 20% 27% 26% 26% 16% 13% 9%
0 0 0 0 0 0 1 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 1 0 0 0 0 0 1
Profit before tax 1 -1 -1 3 7 8 9 22 33 38 24 23 20
Tax % 27% -25% -55% 34% 26% 26% 20% 25% 27% 29% 19% 25% 26%
1 -1 -0 2 5 6 7 17 24 27 19 17 15
EPS in Rs 0.44 -0.68 -0.15 1.06 2.95 1.88 1.67 3.79 5.43 6.11 4.34 3.92 3.41
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
0 0 0 1 1 1 1 2 9 30 122 512 713
Interest 0 0 0 0 0 0 0 0 1 4 7 36 75
0 0 0 1 1 1 1 1 8 27 87 358 532
Financing Profit 0 0 0 1 -0 0 1 1 -0 -1 28 118 107
Financing Margin % 0% 17% 0% 50% -15% 0% 46% 54% -3% -3% 23% 23% 15%
0 0 0 0 0 0 0 0 0 0 0 -0 0
Depreciation 0 0 0 0 0 0 0 0 1 1 1 1 2
Profit before tax 0 0 0 1 -0 0 1 1 -1 -2 27 117 105
Tax % 50% 27% 0% 11% 15% -35% -34% 25% 26%
0 0 0 0 -0 0 0 1 -1 -1 20 87 79
EPS in Rs -0.06 0.00 0.31 0.67 -0.35 -0.73 4.53 19.68 17.78
Dividend Payout % 57% 0% 0% 0% 0% 0% 0% 2% 3%
Compounded Sales Growth
10 Years: 131%
5 Years: 237%
3 Years: 282%
TTM: 142%
Compounded Profit Growth
10 Years: 148%
5 Years: 182%
3 Years: 443%
TTM: 45%
Stock Price CAGR
10 Years: %
5 Years: 15%
3 Years: 145%
1 Year: 32%
Return on Equity
10 Years: 56%
5 Years: 60%
3 Years: 64%
Last Year: 72%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 0.24 1 1 3 3 3 3 3 3 3 9 44 44
Reserves 1 0 0 1 1 1 3 2 2 1 69 120 168
Borrowing 0 1 1 1 1 1 1 1 6 27 34 278 555
0 0 0 2 0 0 0 0 6 8 13 37 45
Total Liabilities 1 2 2 7 5 5 7 6 17 39 125 479 812
0 0 0 0 0 0 0 0 5 4 3 3 7
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 0 1 2 0 0 0 15 0 25
1 2 2 7 4 4 5 6 12 35 107 476 781
Total Assets 1 2 2 7 5 5 7 6 17 39 125 479 812

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-0 -3 -1 -0 -1 -0 -4 -16 -29 -190
0 0 2 0 1 1 -0 -0 -16 14
-0 3 -1 -0 0 -0 4 17 52 208
Net Cash Flow -0 -0 1 -1 0 1 -1 0 7 32
Free Cash Flow -0 -3 -1 -0 -1 -0 -5 -16 -30 -192

Ratios

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 0% 1% 0% 18% -3% 0% 10% 19% -11% -27% 49% 72%

Insights

In beta
Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross Loan Book (AUM)
INR crore

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Total Disbursements
INR crore
Number of Customers Served
count
Number of Loans Disbursed
count
Pin Code Coverage
count
90+ DPD adjusted for 12-month write-offs (% of AUM)
%
90+ DPD adjusted for 12-month write-offs (% of disbursements)
%
Average Collection Efficiency
%
Repeat Customer % of Disbursements
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
71.85% 70.44% 70.44% 66.58% 33.83% 24.98% 24.98% 24.93% 24.64% 24.64% 19.84% 19.84%
0.00% 0.00% 0.00% 0.00% 0.00% 11.29% 11.29% 11.29% 11.29% 11.29% 11.29% 11.29%
0.00% 0.00% 0.00% 0.00% 0.00% 8.47% 8.58% 8.58% 8.56% 8.70% 8.70% 8.70%
28.14% 29.55% 29.55% 33.42% 66.17% 55.24% 55.15% 55.19% 55.50% 55.37% 60.17% 60.18%
No. of Shareholders 2713393193614165035578192,1992,0402,0351,879

* 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.

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