Unifinz Capital
UNIFINZCAPITALLTD NSE
Unifinz Capital
Financial ServicesNSE: UNIFINZCAPITALLTD BSE: 541358 NBFC
Key Fundamentals
MicrocapNBFCFinancial ServicesMarket Cap
₹456 Cr
Volatility
Moderate
P/E Ratio
5.2
EBITDA
₹154 Cr
Return on Equity
53.09%
Debt to Equity
1.29
Book Value
₹37.08
EPS
₹3.31
52W High
₹129.51
52W Low
₹61
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
4- 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
Weaknesses
2- Promoter holding has decreased over last quarter: -4.80%
- Promoter holding is low: 19.8%
Growth Rate
Revenue Growth
319% higher than
3Y
Net Income Growth
333% lower than
3Y
Cash Flow Change
-550%
ROE
105% higher than
3Y
ROCE
15.48% lower than
3Y
EBITDA Margin (Avg.)
5.26% lower than
3Y
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4 | 9 | 8 | 9 | 15 | 24 | 37 | 45 | 83 | 129 | 148 | 152 | 180 |
| Expenses | 4 | 7 | 8 | 8 | 11 | 15 | 27 | 34 | 57 | 87 | 98 | 116 | 133 |
| Financing Profit | -1 | 1 | -1 | 0 | 3 | 7 | 9 | 9 | 23 | 33 | 38 | 24 | 24 |
| Fin. Margin % | -13% | 13% | -16% | -4% | 18% | 29% | 23% | 20% | 27% | 26% | 26% | 16% | 13% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 3 | 9 | 11 | 12 | 23 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| PBT | -1 | 1 | -1 | -1 | 3 | 7 | 8 | 9 | 22 | 33 | 38 | 24 | 23 |
| Tax % | -26% | 27% | -25% | -55% | 34% | 26% | 26% | 20% | 25% | 27% | 29% | 19% | 25% |
| Net Profit | -1 | 1 | -1 | 0 | 2 | 5 | 6 | 7 | 17 | 24 | 27 | 19 | 17 |
| EPS in Rs | -0.33 | 0.44 | -0.68 | -0.15 | 1.06 | 2.95 | 1.88 | 1.67 | 3.79 | 5.43 | 6.11 | 4.34 | 3.92 |
Profit & Loss
| Particulars | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 2 | 9 | 30 | 122 | 512 | 609 |
| Expenses | 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 |
| Fin. Margin % | 0% | 17% | 0% | 50% | -15% | 0% | 46% | 54% | -3% | -3% | 23% | 23% | 20% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 4 | 7 | 36 | 55 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 |
| PBT | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 1 | -1 | -2 | 27 | 117 | 118 |
| Tax % | — | 50% | — | 27% | 0% | — | 11% | 15% | -35% | -34% | 25% | 26% | — |
| Net Profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | -1 | -1 | 20 | 87 | 88 |
| EPS in Rs | — | — | — | — | -0.06 | 0 | 0.31 | 0.67 | -0.35 | -0.73 | 4.53 | 19.68 | 19.8 |
| Div. Payout % | — | 57% | — | 0% | 0% | — | 0% | 0% | 0% | 0% | 2% | 3% | — |
Balance Sheet
| Particulars | 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 |
| Other Liabilities | 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 |
| Fixed Assets | 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 |
| Other Assets | 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 Flow
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | — | — | 0 | -3 | -1 | 0 | -1 | 0 | -4 | -16 | -29 | -190 |
| Investing | — | — | 0 | 0 | 2 | 0 | 1 | 1 | 0 | 0 | -16 | 14 |
| Financing | — | — | 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
| Particulars | 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
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Unifinz Capital insights
52 extracted metrics + investor summaries across FY09–FY26.
Documents
3
Board Meeting Outcome for Meeting Held On 27Th May, 2026
27 May - FY26 audited results approved; PAT rose to Rs 87.14 crore, unmodified audit, 105 crore NCDs issued. 27 May - FY26 audited results approved; PAT rose to Rs 87.14 crore, unmodified audit, 105 crore NCDs issued.
4
Announcement under Regulation 30 (LODR)-Meeting Updates
8 May - Finance Committee meets May 13, 2026 to consider issuing NCDs up to ₹315 crore privately. 8 May - Finance Committee meets May 13, 2026 to consider issuing NCDs up to ₹315 crore privately.
5
Announcement under Regulation 30 (LODR)-Meeting Updates
6 May - Board approved private placement of 35 crore NCDs, with 20 crore green shoe, at 13% interest. 6 May - Board approved private placement of 35 crore NCDs, with 20 crore green shoe, at 13% interest.
Frequently Asked Questions about Unifinz Capital
What does Unifinz Capital India Ltd do?
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.
Where is Unifinz Capital India Ltd (541358) listed?
Unifinz Capital India Ltd trades as UNIFINZCAPITALLTD on the NSE and under code 541358 on the BSE.
Which sector does Unifinz Capital India Ltd belong to?
Unifinz Capital India Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Unifinz Capital India Ltd?
Unifinz Capital India Ltd has a market capitalisation of ₹456 Cr, which places it in the Small Cap band.
What is the PE ratio of Unifinz Capital India Ltd?
Unifinz Capital India Ltd trades at a PE ratio of 5.20, on earnings per share of ₹3.31, against a book value of ₹37.08 per share.
What is the 52-week high and low of Unifinz Capital India Ltd?
Over the last 52 weeks Unifinz Capital India Ltd has traded between ₹61 and ₹129.51.
Does Unifinz Capital India Ltd pay dividends?
Unifinz Capital India Ltd has a dividend yield of 0.49%.
What is the Return on Equity (ROE) of Unifinz Capital India Ltd?
Unifinz Capital India Ltd reported a return on equity of 53.09%. Its debt-to-equity ratio is 1.29.
Company Information
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.
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