U. Y. Fincorp Ltd

U. Y. Fincorp Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

U. Y. Fincorp Ltd

₹ 13.8 4.94%
05 Feb 4:01 p.m.
uyfincorp.com BSE: 530579 NSE: UYFINCORP
About

Incorporated in 1993, U. Y. Fincorp Ltd is
in the business of Financial and Related Services[1]

Key Points

Business Overview:[1]
UYFL is a RBI registered Non Systematically Important Non Deposit Taking - Non-Banking Financial Company. It is primarily focused
on providing inter-corporate loans, personal loans, and investments & trading in securities

Website BSE NSE - BE
  • Market Cap ₹ 270 Cr.
  • Current Price ₹ 13.8
  • High / Low ₹ 24.4 / 11.2
  • Stock P/E 8.46
  • Book Value ₹ 18.1
  • Dividend Yield 0.00 %
  • ROCE 5.46 %
  • ROE 3.62 %
  • Face Value ₹ 5.00
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Pros

  • Company is almost debt free.
  • Stock is trading at 0.77 times its book value
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 33.7% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 9.83% over last 3 years.

* 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

Standalone Figures in Rs. Crores / View Consolidated

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
17 14 21 29 33 39 36 45 15 15 22 27 42
Interest 0 0 0 0 0 0 0 1 0 0 0 0 0
14 13 15 34 27 36 29 39 13 13 14 16 20
Financing Profit 3 1 5 -5 6 3 6 5 2 2 8 11 22
Financing Margin % 17% 11% 26% -16% 17% 8% 17% 12% 15% 14% 37% 40% 53%
0 0 0 74 1 0 0 0 1 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 3 2 6 69 6 4 6 6 3 2 8 11 22
Tax % 32% 55% 23% 26% 25% -34% 22% 40% 19% 47% 26% 26% 25%
2 1 4 51 5 5 5 3 2 1 6 8 17
EPS in Rs 0.12 0.04 0.23 2.69 0.25 0.25 0.27 0.18 0.11 0.06 0.31 0.43 0.88
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
13 181 25 26 24 20 18 15 85 57 197 113 107
Interest 6 3 0 0 0 0 1 1 1 0 0 1 1
6 170 9 8 7 3 13 2 79 45 112 94 62
Financing Profit 1 9 16 18 17 17 5 13 4 11 85 18 44
Financing Margin % 7% 5% 64% 70% 70% 83% 26% 84% 5% 20% 43% 16% 41%
0 0 -3 0 0 -10 0 0 0 0 0 0 2
Depreciation 0 0 0 0 0 0 0 0 0 0 0 1 2
Profit before tax 1 9 13 18 16 6 5 13 4 11 84 17 43
Tax % 13% 33% 43% 37% 30% 33% 40% 24% 24% 30% 23% 31%
1 6 7 11 12 4 3 9 3 8 65 12 32
EPS in Rs 0.04 0.30 0.38 0.60 0.61 0.21 0.14 0.50 0.17 0.41 3.41 0.62 1.68
Dividend Payout % 0% 0% 0% 0% 8% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: -5%
5 Years: 44%
3 Years: 10%
TTM: -21%
Compounded Profit Growth
10 Years: 7%
5 Years: 34%
3 Years: 54%
TTM: 108%
Stock Price CAGR
10 Years: 13%
5 Years: 39%
3 Years: 3%
1 Year: -41%
Return on Equity
10 Years: 5%
5 Years: 7%
3 Years: 10%
Last Year: 4%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 34 95 95 95 95 95 95 95 95 95 95 95 95
Reserves 65 119 127 138 149 150 137 147 150 158 223 235 249
Borrowing 50 0 0 0 0 0 8 14 14 1 1 6 4
5 2 2 2 3 15 28 28 44 41 8 10 11
Total Liabilities 155 216 224 235 248 260 269 284 304 295 327 345 359
1 0 0 1 1 1 1 1 1 1 1 6 5
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 41 42 39 37 34 36 46 47 49 35 19 21 21
114 174 184 197 212 223 221 236 254 259 307 319 332
Total Assets 155 216 224 235 248 260 269 284 304 295 327 345 359

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
24 -56 3 1 -9 3 15 5 -5 -3 -18 7
-22 -4 4 2 2 -3 -24 0 0 0 19 6
-0 58 -0 0 0 -1 8 5 -1 -0 -0 -5
Net Cash Flow 3 -3 7 3 -7 -1 -2 9 -6 -4 0 7

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 1% 4% 4% 5% 5% 2% 1% 4% 1% 3% 23% 4%

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
70.51% 70.51% 70.87% 71.38% 71.38% 71.38% 71.38% 71.38% 71.38% 71.38% 71.38% 71.38%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.05% 0.05% 0.72% 0.68%
29.49% 29.50% 29.13% 28.62% 28.63% 28.63% 28.61% 28.60% 28.57% 28.57% 27.91% 27.94%
No. of Shareholders 7,0536,5166,8818,23915,86915,24415,82819,38619,35419,08121,16520,379

* 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