Unifinz Capital India Ltd
₹ 100
-3.47%
18 Jun
- close price
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
- Market Cap ₹ 443 Cr.
- Current Price ₹ 100
- High / Low ₹ 130 / 61.0
- Stock P/E 5.08
- Book Value ₹ 37.1
- Dividend Yield 0.50 %
- ROCE 55.2 %
- ROE 72.1 %
- Face Value ₹ 10.0
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: 24.6%
- Promoter holding has decreased over last 3 years: -47.2%
* 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.
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Quarterly Results
Figures in Rs. Crores
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 1 | 1 | 1 | 1 | 2 | 9 | 30 | 122 | 512 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 4 | 7 | 36 |
| 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 8 | 27 | 87 | 358 | |
| Financing Profit | 0 | 0 | 0 | 1 | -0 | 0 | 1 | 1 | -0 | -1 | 28 | 118 |
| Financing Margin % | 0% | 17% | 0% | 50% | -15% | 0% | 46% | 54% | -3% | -3% | 23% | 23% |
| 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 |
| Profit before tax | 0 | 0 | 0 | 1 | -0 | 0 | 1 | 1 | -1 | -2 | 27 | 117 |
| Tax % | 50% | 27% | 0% | 11% | 15% | -35% | -34% | 25% | 26% | |||
| 0 | 0 | 0 | 0 | -0 | 0 | 0 | 1 | -1 | -1 | 20 | 87 | |
| EPS in Rs | -0.06 | 0.00 | 0.31 | 0.67 | -0.35 | -0.73 | 4.53 | 19.68 | ||||
| Dividend Payout % | 57% | 0% | 0% | 0% | 0% | 0% | 0% | 2% | 3% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 131% |
| 5 Years: | 237% |
| 3 Years: | 282% |
| TTM: | 319% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 148% |
| 5 Years: | 182% |
| 3 Years: | 443% |
| TTM: | 335% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 9% |
| 3 Years: | 137% |
| 1 Year: | -17% |
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 0.24 | 1 | 1 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 9 | 44 |
| Reserves | 1 | 0 | 0 | 1 | 1 | 1 | 3 | 2 | 2 | 1 | 69 | 120 |
| Borrowing | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 6 | 27 | 34 | 278 |
| 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 6 | 8 | 13 | 37 | |
| Total Liabilities | 1 | 2 | 2 | 7 | 5 | 5 | 7 | 6 | 17 | 39 | 125 | 479 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 4 | 3 | 3 | |
| CWIP | 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 |
| 1 | 2 | 2 | 7 | 4 | 4 | 5 | 6 | 12 | 35 | 107 | 476 | |
| Total Assets | 1 | 2 | 2 | 7 | 5 | 5 | 7 | 6 | 17 | 39 | 125 | 479 |
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 | ||
| CFO/OP | -500% | -358% | 807% | -131% | -19% | -380% | -528% | -64% | -98% |
Ratios
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 0% | 1% | 0% | 18% | -3% | 0% | 10% | 19% | -11% | -27% | 49% | 72% |
Insights
In beta| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| 90+ Days Past Due (DPD) % |
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| Assets Under Management (AUM) / Gross Loan Assets INR Million |
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| Pin Code Coverage Number |
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| Unique Customers Number |
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| Total Disbursements INR Million |
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| Collection Efficiency % |
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Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
11 Jun - POST-DISPATCH NEWSPAPER PUBLICATION FOR AGM TO BE HELD ON 2ND JULY, 2026
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Reg. 34 (1) Annual Report.
10 Jun - 43rd AGM on 2 July 2026; shareholders to approve 2000 crore borrowing limit and charge creation.
- Notice Of The 43Rd Annual General Meeting And Annual Report For FY 2025-26. 10 Jun
- Announcement under Regulation 30 (LODR)-Newspaper Publication 9 Jun
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Compliances-Reg.24(A)-Annual Secretarial Compliance
30 May - FY26 secretarial compliance report cites ₹2,47,800 fine for delayed woman director appointment; waiver accepted.
Annual reports
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Financial Year 2026
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Financial Year 2025
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Financial Year 2024
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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 2010
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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.