UY Fincorp Ltd.

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uyfincorp.comBSE: 530579NSE: UYFINCORP

Market Cap₹ 366 Cr.

Current Price

High / Low₹ 22 / 12

Stock P/E—

Book Value—

Price to Book—

Dividend Yield0.00 %

ROCE2.1 %

ROE1.3 %

Face Value₹ 5

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ABOUT

KEY POINTS

Revenue Breakup Mar 2013 • Financing and related services: 99.2% • Property Development and Construction: 0.8%

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

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 30.6% YoY, showing strong momentum
Company has delivered good sales growth of 15.5% CAGR over last 5 years

CONS

Recent results are weak - TTM profit is down 218.6% versus prior year
Company has a low return on capital employed of 2.1%
Company has a low return on equity of 1.0% over last 3 years
A large part of profit comes from other income (28.9% of PBT)
Operating margins have contracted to 6.6% from 83.6%
Company has delivered a poor profit growth of -22.6% over past five years

* 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	1046.00	32.08	651234.82	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1038.00	21.58	244239.69	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1849.10	27.46	157925.34	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.95	28.51	154067.52	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	231.15	73.86	152631.62	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	10971.00	13.79	122100.11	1.78	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2840.00	10.03	114017.05	1.06	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	400.00	26.68	109501.94	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	311.25	24.51	78010.22	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	666.00	27.86	63379.43	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	676.50	25.83	56201.25	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	UYFINCORP	19.24	5.91	366.02	0.00	52.46	1206.27	15.28	-56.40	5.46	24.04

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022
	74	-16	101	350	159	23	10	15
	-11	22	23	318	494	-3	8	12
Operating Profit	88	-36	81	36	-332	26	2	4
OPM %	117.75%	218.61%	80.71%	10.17%	-208.48%	114.04%	21.24%	24.04%
Other Income	3	3	3	3	3	0	0	0
Interest	2	2	3	3	3	0	0	0
Depreciation	0	0	0	0	0	0	0	0
	88	-36	81	35	-332	26	2	4
Tax %	26.75%	37.17%	25.43%	30.72%	26.19%	25.53%	22.77%	21.85%
Net Profit	65	-30	95	40	-243	19	-6	52
	0	-0	0	0	-1	1	-0	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	TTM
	77	17	185	32	41	40	20	17	14	84	63
	67	12	174	17	22	23	3	21	2	79	65
Operating Profit	10	4	11	16	18	16	17	-4	12	4	-2
OPM %	13.45%	26.28%	5.77%	48.71%	45.16%	41.25%	83.60%	-21.57%	87.43%	5.15%	-3.17%
	0	1	0	-2	0	0	-10	1	1	1	1
Interest	8	7	3	0	0	0	0	1	1	1	1
Depreciation	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	3	-2	8	13	18	17	6	-4	13	4	-1
Tax %	25.17%	-7.58%	34.98%	42.93%	36.94%	29.99%	31.50%	-48.62%	24.29%	24.45%	56.80%
Net Profit	2	-2	5	7	12	12	4	-6	9	3	-1
EPS	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.06	0.26	—
Dividend Payout %	64.25%	0.00%	0.00%	0.00%	0.00%	8.20%	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: -1%
5 Years:: 15%
3 Years:: 60%

COMPOUNDED PROFIT GROWTH

10 Years:: 21%
5 Years:: -7%
3 Years:: 23%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: 51%

RETURN ON EQUITY

10 Years:: 2%
5 Years:: 2%
3 Years:: 1%
Last Year:: 1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Equity Capital	33	35	95	95	95	95	95	95	95	95
	60	66	120	127	139	150	151	129	141	149
	68	57	1	0	0	2	3	8	14	14
Trade Payables	0	0	0	0	0	0	1	0	0	0
	4	5	3	3	3	3	12	25	24	46
Total Liabilities	165	163	218	226	237	251	261	258	274	304
	1	1	1	0	2	3	2	1	1	1
	19	29	32	29	24	22	23	32	33	34
	4	9	9	7	11	8	10	0	0	17
	0	0	0	0	0	0	0	0	0	0
Cash & Bank	1	5	6	10	13	6	4	1	10	4
	140	119	170	179	187	212	222	225	231	249
Total Assets	165	163	218	226	237	251	261	258	274	304

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
	-65	16	-45	10	6	-4	7	20	8	-9
Cash from Investing	-10	-8	-7	4	2	1	-3	-24	0	-1
Cash from Financing	74	-5	52	-0	-0	2	0	6	4	8
	-2	4	-3	7	3	-7	-1	1	9	-6

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022

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

2026-09-10

Copy of Newspaper Publication

2026-09-10 - U. Y. Fincorp Limited has informed the Exchange about Copy of Newspaper Publication

2026-09-08

Shareholders meeting

2026-09-08 - U. Y. Fincorp Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 30, 2026

2026-09-08

General Updates

2026-09-08 - U. Y. Fincorp Limited has submitted the copy of Annual Report alongwith the Notice of Book Closure.

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

News

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