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

₹ 14.2 -2.67%
08 Jun - close price
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
  • Market Cap ₹ 270 Cr.
  • Current Price ₹ 14.2
  • High / Low ₹ 23.4 / 11.2
  • Stock P/E 5.60
  • Book Value ₹ 20.4
  • Dividend Yield 0.00 %
  • ROCE 18.5 %
  • ROE 13.4 %
  • Face Value ₹ 5.00
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is trading at 0.69 times its book value
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 38.4% CAGR over last 5 years
  • Company's working capital requirements have reduced from 84.7 days to 28.1 days

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 12.9% 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

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
14 21 29 33 39 36 45 15 15 22 27 42 70
Interest 0 0 0 0 0 0 1 0 0 0 0 0 0
13 15 34 27 36 29 39 13 13 14 16 20 46
Financing Profit 1 5 -5 6 3 6 5 2 2 8 11 22 25
Financing Margin % 11% 26% -16% 17% 8% 17% 12% 15% 14% 37% 40% 53% 35%
0 0 74 1 0 0 0 1 0 0 0 0 1
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 2 6 69 6 4 6 6 3 2 8 11 22 25
Tax % 55% 23% 26% 25% -34% 22% 40% 19% 47% 26% 26% 25% 31%
1 4 51 5 5 5 3 2 1 6 8 17 17
EPS in Rs 0.04 0.23 2.69 0.25 0.25 0.27 0.18 0.11 0.06 0.31 0.43 0.88 0.92
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
181 25 26 24 20 18 15 85 57 197 113 162
Interest 3 0 0 0 0 1 1 1 0 0 1 1
170 9 8 7 3 13 2 79 45 112 94 94
Financing Profit 9 16 18 17 17 5 13 4 11 85 18 67
Financing Margin % 5% 64% 70% 70% 83% 26% 84% 5% 20% 43% 16% 42%
0 -3 0 0 -10 0 0 0 0 0 0 1
Depreciation 0 0 0 0 0 0 0 0 0 0 1 2
Profit before tax 9 13 18 16 6 5 13 4 11 84 17 67
Tax % 33% 43% 37% 30% 33% 40% 24% 24% 30% 23% 31% 28%
6 7 11 12 4 3 9 3 8 65 12 48
EPS in Rs 0.30 0.38 0.60 0.61 0.21 0.14 0.50 0.17 0.41 3.41 0.62 2.54
Dividend Payout % 0% 0% 0% 8% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 21%
5 Years: 61%
3 Years: 41%
TTM: 43%
Compounded Profit Growth
10 Years: 19%
5 Years: 38%
3 Years: 84%
TTM: 312%
Stock Price CAGR
10 Years: 14%
5 Years: 23%
3 Years: -14%
1 Year: -21%
Return on Equity
10 Years: 7%
5 Years: 9%
3 Years: 13%
Last Year: 13%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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 95 95 95 95 95 95 95 95 95 95 95 95
Reserves 119 127 138 149 150 137 147 150 158 223 235 294
Borrowing 0 0 0 0 0 8 14 14 1 1 6 3
2 2 2 3 15 28 28 44 41 8 10 31
Total Liabilities 216 224 235 248 260 269 284 304 295 327 345 423
0 0 1 1 1 1 1 1 1 1 6 4
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 42 39 37 34 36 46 47 49 35 19 21 17
174 184 197 212 223 221 236 254 259 307 319 403
Total Assets 216 224 235 248 260 269 284 304 295 327 345 423

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-56 3 1 -9 3 15 5 -5 -3 -18 7 -5
-4 4 2 2 -3 -24 0 0 0 19 6 1
58 -0 0 0 -1 8 5 -1 -0 -0 -5 -3
Net Cash Flow -3 7 3 -7 -1 -2 9 -6 -4 0 7 -7
Free Cash Flow -57 3 0 -9 3 16 5 -5 -3 -18 13 -4
CFO/OP -464% 65% 33% -18% 52% 297% 59% -18% -14% -9% 81% -13%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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 % 4% 4% 5% 5% 2% 1% 4% 1% 3% 23% 4% 13%

Insights

In beta
Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Loan Book Size (AUM / Loan Assets)
₹ Lakhs

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Capital Adequacy Ratio (CRAR)
%
Net NPA Ratio
%
Number of Employees
Count
Gross NPA Ratio
%
Number of Branches
Count
Total Customer Count
Count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
70.51% 70.87% 71.38% 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% 0.01% 0.05% 0.05% 0.72% 0.68% 0.06%
29.50% 29.13% 28.62% 28.63% 28.63% 28.61% 28.60% 28.57% 28.57% 27.91% 27.94% 28.57%
No. of Shareholders 6,5166,8818,23915,86915,24415,82819,38619,35419,08121,16520,37919,802

* 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