UY Fincorp Ltd.

•

uyfincorp.comBSE: 530579NSE: UYFINCORP

Market Cap₹ 378 Cr.

Current Price

High / Low₹ 22 / 12

Stock P/E6.1

Book Value₹ 21

Price to Book0.96

Dividend Yield0.00 %

ROCE5.5 %

ROE3.6 %

Face Value₹ 5

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ABOUT

KEY POINTS

Revenue Breakup Mar 2012 • Shares & Securities: 95.5% • Finance: 4.5%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 33.7% CAGR over last 5 years
Comfortable capital adequacy - CAR of 97.8%
Solid return on assets for a lender - ROA of 3.5%
Asset quality is healthy - gross NPA of just 0.0%
Latest quarter profit grew 228.6% YoY, showing strong momentum
Company has delivered good sales growth of 45.2% CAGR over last 5 years

CONS

Company has a low return on equity of 9.8% over last 3 years
Thin net interest margin of 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1060.50	32.52	660262.45	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1041.00	21.64	244945.59	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	375.00	29.46	159182.59	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	JIOFIN	239.85	76.64	158376.35	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
5.	CHOLAFIN	1839.00	27.31	157062.74	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
6.	BAJAJHLDNG	11148.75	14.01	124078.35	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2920.00	10.31	117228.79	1.03	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	404.80	27.00	110815.96	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	314.00	24.73	78699.47	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	657.90	27.52	62608.60	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.25	26.05	56678.94	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	UYFINCORP	19.87	6.10	378.00	0.00	52.46	1206.27	15.28	-56.40	5.46	24.04

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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
	21	29	33	39	36	45	15	15	21	24	36	58	73
	15	34	27	36	29	39	13	13	14	16	20	46	47
Operating Profit	5	-5	6	3	6	6	2	2	8	11	22	25	26
OPM %	25.83%	-15.85%	16.85%	8.18%	17.37%	13.55%	15.78%	15.08%	39.26%	45.93%	63.31%	42.94%	35.93%
Other Income	0	74	1	0	0	0	1	0	0	0	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
	6	69	6	4	6	6	3	2	8	11	22	25	26
Tax %	23.09%	25.80%	24.88%	-33.81%	21.85%	40.34%	18.68%	47.34%	26.60%	25.92%	25.06%	30.85%	23.67%
Net Profit	4	51	5	5	5	3	2	1	6	8	17	17	20
	0	3	0	0	0	0	0	0	0	0	1	1	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	25	26	24	20	17	14	84	56	122	111	190
	9	8	7	3	13	2	79	45	137	94	128
Operating Profit	16	18	16	17	5	12	4	10	-15	17	62
OPM %	63.75%	70.04%	69.75%	83.27%	26.86%	87.43%	5.15%	18.20%	-12.08%	15.26%	32.66%
	-3	0	0	-10	1	1	1	2	99	2	2
Interest	0	0	0	0	1	1	1	0	0	1	1
Depreciation	0	0	0	0	0	0	0	0	0	1	2
Profit before Tax	13	18	16	6	5	13	4	11	84	17	84
Tax %	43.34%	37.23%	30.09%	33.05%	39.93%	24.29%	24.45%	30.28%	23.06%	30.77%	26.48%
Net Profit	7	11	12	4	3	9	3	8	65	12	62
EPS	0.00	0.00	0.00	0.00	0.00	0.50	0.17	0.41	3.41	0.62	—
Dividend Payout %	0.00%	0.00%	8.26%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: -5%
5 Years:: 45%
3 Years:: 10%

COMPOUNDED PROFIT GROWTH

10 Years:: 7%
5 Years:: 34%
3 Years:: 54%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: 52%

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 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	95	95	95	95	95	95	95	95	95	95
	127	138	149	150	137	147	150	158	223	235
	0	0	0	0	8	14	14	2	1	6
	11	12	16	11	22	22	35	31	7	8
Total Liabilities	233	245	260	256	263	278	294	285	326	344
	0	1	1	1	1	1	1	1	1	5
	39	37	34	36	46	47	49	35	19	21
	2	3	0	0	0	0	17	15	14	14
	0	0	0	0	0	0	0	0	54	0
Cash & Bank	7	10	3	2	1	10	4	0	0	8
	184	195	221	217	215	220	224	235	238	296
Total Assets	233	245	260	256	263	278	294	285	326	344

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	10	6	-3	9	16	8	-1	-2	-18	7
Cash from Investing	4	2	2	-3	-24	0	-0	0	19	6
Cash from Financing	-0	-0	0	-1	8	5	-1	-0	-0	-5
	7	3	-7	-1	-2	9	-6	-4	0	7

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
PER SHARE
EPS (₹)	0.38	0.60	0.61	0.21	0.14	0.50	0.17	0.41	3.41	0.62
Book Value (₹)	11.65	12.25	12.86	12.86	12.22	12.72	12.89	13.30	16.72	17.33
Dividend per Share (₹)	0.00	0.00	0.05	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash EPS (₹)	0.39	0.60	0.61	0.22	0.15	0.50	0.18	0.42	3.42	0.67
PROFITABILITY
Operating Margin %	64.38%	70.19%	70.47%	83.31%	31.55%	95.94%	6.62%	20.94%	-12.08%	15.26%
Net Margin %	29.87%	43.85%	48.84%	20.11%	15.97%	67.86%	3.84%	13.94%	53.28%	10.56%
ROE %	3.36%	5.00%	4.82%	1.64%	1.15%	4.00%	1.32%	3.11%	22.74%	3.62%
ROCE %	5.92%	7.97%	6.90%	2.46%	2.18%	5.35%	2.09%	4.45%	29.48%	5.46%
	3.23%	4.76%	4.56%	1.56%	1.06%	3.51%	1.12%	2.67%	21.22%	3.50%
EFFICIENCY
Debtor Days	1	2	1	0	0	0	0	33	89	0
Inventory Days	45	36	24	1	0	0	38	106	43	45
Payable Days	0	0	0	0	0	0	0	0	0	0
	46	38	25	1	0	0	38	139	132	45
FINANCIAL HEALTH
Debt to Equity (x)	0.00x	0.00x	0.00x	0.00x	0.04x	0.06x	0.06x	0.00x	0.00x	0.02x
Interest Coverage (x)	0.00x	0.00x	0.00x	0.00x	7.42x	17.22x	4.80x	35.32x	1029.98x	19.71x
	18.94x	18.94x	17.23x	1346.86x	102.44x	99.59x	52.01x	110.71x	104.14x	114.71x
GROWTH
Revenue Growth %	-86.46%	5.87%	-9.12%	-15.14%	-13.98%	-18.75%	498.24%	-33.58%	119.27%	-8.87%
Operating Profit Growth %	38.63%	15.43%	-8.75%	0.32%	-67.42%	147.07%	-58.73%	110.14%	627.24%	-77.68%
Net Profit Growth %	26.95%	55.41%	1.23%	-65.05%	-31.68%	245.18%	-66.14%	141.05%	738.20%	-81.94%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	738.21%	-81.94%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	7.09x	26.96x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	1.45x	0.96x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	5.44x	16.61x

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	71.38	71.38	71.38	71.38	71.38	71.38	71.38	71.38	71.38
	0.00	0.00	0.01	0.05	0.05	0.72	0.68	0.06	0.06
DIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	28.62	28.62	28.61	28.57	28.57	27.91	27.94	28.57	28.57

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-05

Outcome of Board Meeting

2026-09-05 - U. Y. Fincorp Limited has informed the Exchange regarding Outcome of Board Meeting held on September 05, 2026.

2026-08-20

General Updates

2026-08-20 - U. Y. Fincorp Limited has informed the Exchange the disclosures received from the following under Regulation 7(2)(a) of SEBI (Prohibition of Insider Trading) Regulations, 2015:-1. Dipti Deepak Kothari

2026-08-12

Copy of Newspaper Publication

2026-08-12 - U. Y. Fincorp Limited has informed the Exchange about the copy of the advertisement published in the newspapers namely Dainik Jagran (Kanpur), The Economic Times (Mumbai) and The Times of India (Mumbai) on 12.08.2026 with respect to the Extract of the Standalone Unaudited Financial Results for the first quarter and three months ended 30th June, 2026 for your information & record.

2026-08-12

Copy of Newspaper Publication

2026-08-12 - U. Y. Fincorp Limited has informed the Exchange about Copy of Newspaper Publication with respect to the Extract of the Standalone Unaudited Financial Results for the first quarter and three months ended 30th June, 2026 for your information & record.

2026-08-10

Outcome of Board Meeting

2026-08-10 - U. Y. Fincorp Limited has submitted to the Exchange, the Unaudited standalone financial results for the quarter and three months ended Jun 30, 2026.

2026-08-04

Trading Window

2026-08-04 - U. Y. Fincorp Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015

2026-07-24

Appointment

2026-07-24 - U. Y. Fincorp Limited has informed the Exchange regarding Appointment of M/s Praveen K Srivastava & Co., as Statutory Auditor of the company w.e.f. July 24, 2025.

2026-07-24

Appointment

2026-07-24 - U. Y. Fincorp Limited has informed the Exchange regarding Appointment of M/s Seth and associates, as Internal Auditor of the company w.e.f. July 24, 2025.

2026-07-23

Resignation of Statutory Auditor

2026-07-23 - U. Y. Fincorp Limited has informed the Exchange about Resignation of Statutory Auditor

News

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