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UY Fincorp

U. Y. Fincorp Ltd

UYFINCORP NSE
₹28.20 −0.89 (−3.06%)
P/E
8.65
View as Markdown
MCP
Close 4 Nov 2026 ₹28.20 +12.55 +80.2% 1Y
Start ₹15.65

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

Debt to Equity
0.01
EPS (TTM)
₹3.26
Book Value
₹20.45
Market Cap
—
P/E (TTM)
8.65
P/B
1.38
ROE
13.40%
Dividend Yield
0.00%
52W High
₹31.43
52W Low
₹11.50
Day Range
₹27.82 – ₹30.20
Volume
3,69,034
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

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

UY Fincorp peer comparison
Bajaj Finance
₹994.0028.53₹6,11,015 Cr5.020.62%18.20%—₹90,331 Cr₹22,067 Cr
Shriram Finance
₹908.7515.19₹2,13,704 Cr1.920.73%16.40%—₹51,877 Cr₹12,688 Cr
Cholamandalam Investment
₹1,658.0024.45₹1,42,243 Cr4.100.12%19.40%—₹32,663 Cr₹5,751 Cr
Tata Capital
₹337.7526.24₹1,41,036 Cr2.930.17%12.40%—₹32,695 Cr₹5,478 Cr
Muthoot Finance
₹2,709.809.57₹1,04,354 Cr2.481.19%30.90%—₹33,431 Cr₹11,457 Cr
L&T Finance
₹263.7020.75₹63,912 Cr2.261.09%11.20%—₹18,898 Cr₹3,198 Cr
SBI Cards
₹553.0023.14₹52,160 Cr3.060.47%14.70%—₹20,063 Cr₹2,275 Cr
UY Fincorp (this company)
₹28.208.65₹546 Cr1.380.00%13.40%—₹212 Cr₹62 Cr
Median 8 companies₹730.8821.95₹1,22,695 Cr2.710.54%15.55%—₹32,679 Cr₹5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

55 Good

Data confidence 94/100

surveillance:ESM1

Category scores

Quality
44
Weak
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
18
Poor
Solvency, leverage, coverage 9% weight
Momentum
99
Strong
Trend strength, vol-adjusted 12% weight
Ownership
57
Good
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

5
  • Company has reduced debt.
  • Company is almost debt free.
  • 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 84.4 days to 27.2 days

Weaknesses

2
  • 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.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bullish0613
OscillatorsBullish063
Moving AveragesStrong Bullish0010

Key readings

RSI (14)
64.74
Neutral
MACD (12,26,9)
1.97
Bullish
SMA (50)
22.42
Bullish
SMA (200)
16.89
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

Revenue growth by window
10Y+20.55%
5Y+60.95%
3Y+41.65%
1Y+43.36%
TTM+118.56%

Net profit

Net profit growth by window
10Y+21.23%
5Y+39.77%
3Y+81.71%
1Y+300.00%
TTM+416.67%

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

Revenue by year, ₹ crore
Mar 2017₹26.00 Cr
Mar 2018₹24.00 Cr
Mar 2019₹20.00 Cr
Mar 2020₹18.00 Cr
Mar 2021₹15.00 Cr
Mar 2022₹85.00 Cr
Mar 2023₹57.00 Cr
Mar 2024₹197 Cr
Mar 2025₹113 Cr
Mar 2026₹162 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹11.00 Cr
Mar 2018₹12.00 Cr
Mar 2019₹4.00 Cr
Mar 2020₹3.00 Cr
Mar 2021₹9.00 Cr
Mar 2022₹3.00 Cr
Mar 2023₹8.00 Cr
Mar 2024₹65.00 Cr
Mar 2025₹12.00 Cr
Mar 2026₹48.00 Cr

Quarterly Results

₹ Cr
UYFINCORP quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
21
29
33
39
36
45.3
14.87
15
22
27.24
42.17
70
72.54
Expenses
15
34
27
36
29
39
13
13
14
16
20
46
46
Financing Profit
5
−5
6
3
6
5
2
2
8
11
22
25
26
Fin. Margin %
26%
−16%
17%
8%
17%
12%
15%
14%
37%
40%
53%
35%
36%
Other Income
0
74
1
0
0
0.34
1
0
0
0.42
0
1
0
Interest
0
0
0
0
0
1
0
0
0
0
0
0
0
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
6
69
6
4
6
6
3
2
8
11
22
25
26
Tax %
23%
26%
25%
−34%
22%
40%
19%
47%
26%
26%
25%
31%
24%
Net Profit
4
51
5
5
5
3
2
1
6
8
17
17
20
EPS (₹)
0.23
2.69
0.25
0.25
0.27
0.18
0.11
0.06
0.31
0.43
0.88
0.92
1.03

Profit & Loss

₹ Cr
UYFINCORP profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
181
25
26
24
20
18
15
85
57
197
112
162
212
Expenses
170
9
8
7
3
13
2
79
45
112
94
89
128
Financing Profit
9
16
18
17
17
5
13
4
11
85
18
68
84
Fin. Margin %
5%
64%
70%
70%
83%
26%
84%
5%
20%
43%
16%
42%
40%
Other Income
0
−3
0
0
−10
0
0
0
0
0
1.43
1
2
Interest
3
0
0
0
0
1
1
1
0
0
1
6
1
Depreciation
0
0
0
0
0
0
0
0
0
0
1
2
2
PBT
9
13
18
16
6
5
13
4
11
84
17
67
84
Tax %
33%
43%
37%
30%
33%
40%
24%
24%
30%
23%
31%
28%
—
Net Profit
6
7
11
12
4
3
9
3
8
65
12
48
62
EPS (₹)
0.3
0.38
0.6
0.61
0.21
0.14
0.5
0.17
0.41
3.41
0.62
2.54
3.26
Div. Payout %
0%
0%
0%
8%
0%
0%
0%
0%
0%
0%
0%
0%
—

Balance Sheet

₹ Cr
UYFINCORP balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Other Liabilities
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
Fixed Assets
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
Other Assets
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 Flow

₹ Cr
UYFINCORP cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−56
3
1
−9
3
15
5
−5
−3
−18
7
−5
Investing
−4
4
2
2
−3
−24
0
0
0
19
6
1
Financing
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
−6

Ratios

UYFINCORP financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
4%
4%
5%
5%
2%
1%
4%
1%
3%
23%
4%
13%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view UY Fincorp insights

42 extracted metrics across FY10–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 71.50%
  • Public 21.61%
  • Others 6.79%
  • FIIs 0.09%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Documents

Frequently Asked Questions about UY Fincorp

What does U. Y. Fincorp Ltd do?
Incorporated in 1993, U. Y. Fincorp Ltd is in the business of Financial and Related Services
Where is U. Y. Fincorp Ltd (UYFINCORP) listed?
U. Y. Fincorp Ltd trades as UYFINCORP on the NSE and under code 530579 on the BSE.
Which sector does U. Y. Fincorp Ltd belong to?
U. Y. Fincorp Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the PE ratio of U. Y. Fincorp Ltd?
U. Y. Fincorp Ltd trades at a PE ratio of 8.65 as of 4 Nov 2026, on earnings per share of ₹3.26, against a book value of ₹20.45 per share.
What is the 52-week high and low of U. Y. Fincorp Ltd?
Over the last 52 weeks U. Y. Fincorp Ltd has traded between ₹11.5 and ₹31.43 as of 4 Nov 2026.
What is the Return on Equity (ROE) of U. Y. Fincorp Ltd?
U. Y. Fincorp Ltd reported a return on equity of 13.40%. Its debt-to-equity ratio is 0.01.

Company Information

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

Website uyfincorp.com
CEO Mr. Udai Kothari
Employees 26
Listed 3 Oct 2024
Face Value ₹5

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