MarketFriction

U. Y. Fincorp Ltd

NSE UYFINCORP · BSE 530579 · Non Banking Financial Company (NBFC)
₹22.86 +4.86%
NSE close2026-10-01
52 week range11.50 - 22.34
Market cap₹393 Cr.
P/E6.35
ESM Price band 5%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue293339364515152227427073
Interest000010000000
Expenses342736293913131416204646
Financing Profit-5636522811222526
Financing Margin %-16%17%8%17%12%15%14%37%40%53%35%36%
Other Income7410001000010
Depreciation000000000000
Profit before tax69646632811222526
Tax %26%25%-34%22%40%19%47%26%26%25%31%24%
Net Profit5155532168171720
EPS in Rs2.690.250.250.270.180.110.060.310.430.880.921.03
Gross NPA %
Net NPA %
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue2526242018158557197113162212
Interest000011100161
Expenses987313279451129489128
Financing Profit1618171751341185186884
Financing Margin %64%70%70%83%26%84%5%20%43%16%42%40%
Other Income-300-1000000012
Depreciation000000000122
Profit before tax131816651341184176784
Tax %43%37%30%33%40%24%24%30%23%31%28%
Net Profit711124393865124862
EPS in Rs0.380.600.610.210.140.500.170.413.410.622.543.26
Dividend Payout %0%0%8%0%0%0%0%0%0%0%0%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth21%61%42%118%
Compounded Profit Growth19%38%84%391%
Stock Price CAGR19%5%-8%41%
Return on Equity7%9%13%13%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital959595959595959595959595
Reserves119127138149150137147150158223235294
Borrowing00000814141163
Other Liabilities2223152828444181031
Total Liabilities216224235248260269284304295327345423
Fixed Assets001111111164
CWIP000000000000
Investments423937343646474935192117
Other Assets174184197212223221236254259307319403
Total Assets216224235248260269284304295327345423
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-5631-93155-5-3-187-5
Cash from Investing Activity-4422-3-240001961
Cash from Financing Activity58-000-185-1-0-0-5-3
Net Cash Flow-373-7-1-29-6-407-7
Free Cash Flow-5730-93165-5-3-1813-4
CFO/OP-464%65%33%-18%52%297%59%-18%-14%-9%81%-6%
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%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters70.87%71.38%71.38%71.38%71.38%71.38%71.38%71.38%71.38%71.38%71.38%71.38%
FIIs0.00%0.00%0.00%0.00%0.00%0.01%0.05%0.05%0.72%0.68%0.06%0.06%
Public29.13%28.62%28.63%28.63%28.61%28.60%28.57%28.57%27.91%27.94%28.57%28.57%
No. of Shareholders6,8818,23915,86915,24415,82819,38619,35419,08121,16520,37919,80219,353

Fundamentals

Market Cap₹ 393 Cr.
Current Price₹ 20.8
Stock P/E6.35
Book Value₹ 20.4
ROCE19.9 %
ROE13.4 %
Dividend Yield0.00 %
Face Value₹ 5.00
Compounded Sales Growth (TTM)118%
Compounded Profit Growth (TTM)391%
Standalone figures.
Valuation
Market capRs 435 Cr
Enterprise valueRs 437 Cr
P/E (TTM)7.02x
Price to book1.12x
Price to sales2.05x
EV / EBITDA5.05x
EV / EBIT5.16x
EV / sales2.06x
Earnings yield14.24%
P/E, 3-year average12.86x
P/B, 3-year average0.99x
P/E, 5-year average31.13x
P/B, 5-year average1.01x
Profitability
Operating margin (excl. other income)45.24%
Operating margin (incl. other income)45.85%
EBITDA margin40.79%
Pre-tax margin39.68%
Net profit margin29.18%
Net margin, latest quarter27.06%
ROE13.44%
ROCE19.88%
ROA12.57%
ROE, 3-year average13.27%
ROCE, 3-year average18.27%
ROA, 3-year average12.31%
ROE, 5-year average8.85%
ROCE, 5-year average12.27%
ROA, 5-year average8.12%
ROIC (approx.)15.70%
Tax rate27.57%
Other income / net worth0.25%
Growth
Sales growth (latest year)43.30%
Profit growth (latest year)311.59%
Sales CAGR, 3 years41.55%
Sales CAGR, 5 years60.89%
Profit CAGR, 3 years84.00%
Profit CAGR, 5 years38.45%
Sales growth QoQ3.01%
Profit growth QoQ12.50%
Sales growth YoY (latest quarter)230.64%
Profit growth YoY (latest quarter)228.64%
Per share
EPS (TTM)Rs 3.26
EPS (latest year)Rs 2.54
EPS (latest quarter)Rs 1.03
EPS, 3-year averageRs 2.19
EPS, 5-year averageRs 1.43
Book value per shareRs 20.45
Sales per shareRs 11.15
Cash flow per shareRs -0.24
Free cash flow per shareRs -0.21
Efficiency
Asset turnover0.38x
Fixed asset turnover38.92x
Inventory turnover6.89x
Inventory days53 days
Leverage
Total debtRs 3 Cr
Cash and bankRs 1 Cr
Net debtRs 2 Cr
Debt to equity0.01x
Net debt / EBITDA0.03x
Interest coverage148.74x
Owners' fund to total sources91.86%
Debt to assets0.79%
Cash flow
Cash from Operating Activity (latest year)Rs -5 Cr
Cash from Investing Activity (latest year)Rs 1 Cr
Cash from Financing Activity (latest year)Rs -3 Cr
Net Cash Flow (latest year)Rs -7 Cr
Free cash flow (latest year)Rs -4 Cr
FCFE (approx.: FCF + change in debt)Rs -6 Cr
Cash from ops / profit, 5 years-0.18x
Statement figures
Net sales (TTM)Rs 212 Cr
Net sales (latest year)Rs 162 Cr
Sales (latest quarter)Rs 73 Cr
Operating profit excl. other income (latest year)Rs 73 Cr
Operating profit (latest quarter)Rs 26 Cr
Other income (TTM)Rs 2 Cr
EBITDA (TTM)Rs 87 Cr
PBDT (TTM)Rs 86 Cr
Profit before tax (TTM)Rs 84 Cr
Tax (latest year)Rs 18 Cr
Net profit (TTM)Rs 62 Cr
Net profit (latest year)Rs 48 Cr
Net profit (latest quarter)Rs 20 Cr
Depreciation (TTM)Rs 2 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 1 Cr
Cost of goods sold (latest year)Rs 76 Cr
Total expenditure (latest year)Rs 89 Cr
Total income (latest year)Rs 163 Cr
Share capitalRs 95 Cr
ReservesRs 294 Cr
Shareholders' fundsRs 389 Cr
Total assetsRs 423 Cr
Net blockRs 4 Cr
InvestmentsRs 17 Cr
InventoryRs 11 Cr
Other liabilitiesRs 31 Cr
Shares outstanding (crore)19.02
Ownership
Promoter holding71.38% (+0.00 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 7.0 is at the 10th percentile of its own 9.4-year range (median 15.8, low 4.4, high 119.7).
P/B 1.12 is at the 74th percentile (median 0.83).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodUYFINCORPNifty 50Difference
1 week+18.7%-2.8% +21.5 pts
1 month+15.2%-6.8% +22.0 pts
3 months+48.4%-7.6% +56.1 pts
6 months+97.4%+0.4% +97.0 pts
1 year+49.9%-9.9% +59.8 pts
3 years-15.4%+14.2% -29.5 pts
5 years+48.9%+27.9% +21.0 pts

Red flags

F-score 6 of 8
explainWeak cash conversion Cash from operations was -13% of net profit over the last 3 years
explainHigh accruals Profit exceeded operating cash by 12% of total assets in 2026
lookOn NSE surveillance On NSE surveillance: ESM
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Latest quarter

Jun 2026
Revenue ₹73 Cr +231.8% vs Jun 2025. Net profit ₹20 Cr +233.3%.

Activity

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No bulk or block deals on record.
No corporate actions on record.
DateTypeWhat it says
2026-10-01General UpdatesGeneral Updates
2026-10-01Shareholder meetingVoting results.
2026-09-30Shareholder meetingProceedings of 33rd Annual General Meeting held on September 30, 2026
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
ESM: stage 1
Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.Updated 2026-10-03