Unifinz Capital India
Close ·
- P/E
- 6.78
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures at the close · EPS basis: Standalone · TTM
- Debt to Equity
- 1.70
- EPS (TTM)
- ₹19.80
- Book Value
- ₹47.89
- Market Cap
- —
- P/E (TTM)
- 6.78
- P/B
- 2.80
- ROE
- 72.10%
- Dividend Yield
- 0.38%
- 52W High
- ₹146.15
- 52W Low
- ₹61.00
- ROCE
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
- EBITDA
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Tapetide Score
Data-driven rating, 0–100, as of . How it works →
Overall score
Data confidence 94/100
Category scores
- Quality
- 74
- Strong
- Returns, margins, earnings quality 22% weight
- Valuation
- 57
- Good
- Cheap vs sector & own history 24% weight
- Growth
- 99
- Strong
- Sales & profit trajectory 9% weight
- Financial Health
- 46
- Average
- Solvency, leverage, coverage 9% weight
- Momentum
- 94
- Strong
- Trend strength, vol-adjusted 12% weight
- Ownership
- 50
- Average
- FII/DII/promoter flows 24% weight
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
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%
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Strong Bullish | 1 | 5 | 13 |
| Oscillators | Bullish | 1 | 5 | 3 |
| Moving Averages | Strong Bullish | 0 | 0 | 10 |
Oscillators
Bullish
Overall
Strong Bullish
Moving Averages
Strong Bullish
Key readings
- RSI (14)
- 60.25
- Neutral
- MACD (12,26,9)
- 6.94
- Bearish
- SMA (50)
- 111.70
- Bullish
- SMA (200)
- 102.72
- Bullish
As of
Growth Rate
From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.
Revenue
| 10Y | Zero base |
|---|---|
| 5Y | +248.22% |
| 3Y | +284.60% |
| 1Y | +319.67% |
| TTM | +222.22% |
Net profit
| 10Y | Zero base |
|---|---|
| 5Y | Zero base |
| 3Y | Turned to profit |
| 1Y | +335.00% |
| TTM | +148.57% |
Operating cash flow
Not meaningful
A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.
Revenue by year
| Mar 2017 | ₹0.00 Cr |
|---|---|
| Mar 2018 | ₹1.00 Cr |
| Mar 2019 | ₹1.00 Cr |
| Mar 2020 | ₹1.00 Cr |
| Mar 2021 | ₹1.00 Cr |
| Mar 2022 | ₹2.00 Cr |
| Mar 2023 | ₹9.00 Cr |
| Mar 2024 | ₹30.00 Cr |
| Mar 2025 | ₹122 Cr |
| Mar 2026 | ₹512 Cr |
Net profit by year
| Mar 2017 | ₹0.00 Cr |
|---|---|
| Mar 2018 | ₹0.00 Cr |
| Mar 2019 | ₹0.00 Cr |
| Mar 2020 | ₹0.00 Cr |
| Mar 2021 | ₹0.00 Cr |
| Mar 2022 | ₹1.00 Cr |
| Mar 2023 | −₹1.00 Cr |
| Mar 2024 | −₹1.00 Cr |
| Mar 2025 | ₹20.00 Cr |
| Mar 2026 | ₹87.00 Cr |
Quarterly Results
₹ Cr| 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 (₹) | −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
₹ Cr| 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 % | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. | 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 (₹) | — | — | — | — | −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
₹ Cr| 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
₹ Cr| 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
40 extracted metrics across FY09–FY27.
Documents
- 27 May 2026
- 10 Aug 2026
- 23 Jul 2026
- 21 Jul 2026
- 3 Jul 2026
- 20 Mar 2026
Frequently Asked Questions about Unifinz Capital India
What does Unifinz Capital India Ltd do?
Where is Unifinz Capital India Ltd (UCIL) listed?
Which sector does Unifinz Capital India Ltd belong to?
What is the PE ratio of Unifinz Capital India Ltd?
What is the 52-week high and low of Unifinz Capital India Ltd?
Does Unifinz Capital India Ltd pay dividends?
What is the Return on Equity (ROE) of Unifinz Capital India Ltd?
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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