Unifinz Capital India Ltd
₹ 139
-4.99%
22 Oct
12:30 p.m.
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 ₹ 615 Cr.
- Current Price ₹ 139
- High / Low ₹ 146 / 61.0
- Stock P/E 7.01
- Book Value ₹ 37.1
- Dividend Yield 0.36 %
- 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: 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.
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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 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 1 | 1 | 1 | 1 | 2 | 9 | 30 | 122 | 512 | 609 | |
| Interest | -0 | 0 | 0 | 0 | 0 | -0 | -0 | -0 | 1 | 4 | 7 | 36 | 55 |
| 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 8 | 27 | 87 | 358 | 435 | |
| Financing Profit | -0 | 0 | -0 | 1 | -0 | -0 | 1 | 1 | -0 | -1 | 28 | 118 | 119 |
| Financing Margin % | -0% | 17% | -0% | 50% | -15% | -0% | 46% | 54% | -3% | -3% | 23% | 23% | 20% |
| -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 | 1 |
| Profit before tax | -0 | 0 | -0 | 1 | -0 | -0 | 1 | 1 | -1 | -2 | 27 | 117 | 118 |
| Tax % | 50% | 27% | -0% | 11% | 15% | -35% | -34% | 25% | 26% | ||||
| -0 | 0 | -0 | 0 | -0 | -0 | 0 | 1 | -1 | -1 | 20 | 87 | 88 | |
| EPS in Rs | -0.06 | -0.00 | 0.31 | 0.67 | -0.35 | -0.73 | 4.53 | 19.68 | 19.80 | ||||
| Dividend Payout % | 57% | -0% | -0% | -0% | -0% | -0% | -0% | 2% | 3% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 131% |
| 5 Years: | 237% |
| 3 Years: | 282% |
| TTM: | 222% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 148% |
| 5 Years: | 182% |
| 3 Years: | 443% |
| TTM: | 149% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 17% |
| 3 Years: | 153% |
| 1 Year: | 38% |
| 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 |
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 | |
|---|---|---|---|---|
| 90+ DPD (as % of AUM) % |
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| Gross Loan Book (AUM) INR crore |
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| Total Disbursements INR crore |
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| Number of Customers Served count |
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| Number of Loans Disbursed count |
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| Pin Code Coverage count |
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| 90+ DPD adjusted for 12-month write-offs (% of disbursements) % |
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| Average Collection Efficiency % |
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| Repeat Customer % of Disbursements % |
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Documents
Announcements
-
Announcement Under Regulation 30 (LODR) - Reporting Of Cyber Fraud
- Company reported cyber fraud on 20 Oct 2026; ₹7.69 crore transferred, account frozen, complaint filed.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
- Intimation of newspaper publication with respect to notice of Extra-Ordinary General Meeting and voting results instructions published in English Newspaper Financial Express and Hindi Newspaper …
- Shareholder Meeting-EGM On 11Th November, 2026
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Board Meeting Outcome for Fund Raising Held On 15Th October 2026
- Board approved 98.01 lakh warrants at ₹102 each, totaling ₹99.97 crore; EGM on November 11, 2026.
-
Board Meeting Intimation for Raising Of Funds.
- Board meets October 15, 2026 to consider fund raising via preferential equity shares, warrants, or other securities.
Annual reports
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Annual Report 2026
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Annual Report 2025
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Annual Report 2024
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Annual Report 2023
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Annual Report 2022
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Annual Report 2021
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Annual Report 2020
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Annual Report 2019
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Annual Report 2018
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Annual Report 2017
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Annual Report 2016
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Annual Report 2015
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Annual Report 2014
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Annual Report 2013
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Annual Report 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.