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U. Y. Fincorp Limited UYFINCORP NSEFINANCIAL

Financial Services · Credit Services · India
https://www.uyfincorp.com
Company Profile ↓
₹23.57
+41.05% 1Y
Mkt Cap₹448.39 Cr
P/E7.23
P/B1.21
52W High₹25.88
52W Low₹11.58
Book Value₹20.46
EPS (TTM)₹3.26

Company Overview

U. Y. Fincorp Limited, a non-banking financial company, provides financial and related services in India. The company offers fund based services, including infrastructure funding, industrial assets funding, loan against shares, inter corporate deposits, equity participation, retail finance, real estate funding, loan against properties, bridge finance, and bill discounting. It also provides loan syndication and project counseling services. In addition, the company offers corporate loans, micro-enterprise loans, personal loans, and loans against property. Further, it invests in securities and trades in securities; and provides Equipment Financing under the GrowU.money brand. It serves corporates, entrepreneurs, micro-enterprises, and individual borrowers. The company was formerly known as Golden Goenka Fincorp Limited and changed its name to U. Y. Fincorp Limited in December 2018. U. Y. Fincorp Limited was incorporated in 1993 and is based in Mumbai, India.

Why Investors Should Care

Healthy Capital Returns

Return on capital employed stands at 15.8%.

Consistent Profit Growth

Net profit has compounded at 84.0% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 37.0% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 7.2, below the sector median of 15.2.

Healthy Margins

Maintains a net profit margin of 29.1%.

Recent Developments

  • Mar 2026 Revenue of ₹138.90 Cr (+25.3% YoY); net profit ₹48.28 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +225.0%, earnings +232.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 37.0%, profit CAGR 84.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:36.98%
1 Year:225.00%

Compounded Profit Growth

5 Years:84.04%
1 Year:232.30%

Stock Price Performance

1 Year:+41.05%
6 Months:+64.25%
3 Months:+36.72%
1 Month:+21.62%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 84% of range
₹11.58 ₹25.88
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)56.28 · Neutral
Price Performance
1M+21.62%
3M+36.72%
6M+64.25%
1Y+41.05%
Valuation vs Sector

P/E of 7.23 is below the sector median of 15.25 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 29.1%.
  • Compounding revenue at 37.0% over 5 years.
  • Profit CAGR of 84.0% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
7.23
Industry PE
15.25
Forward P/E est.
3.62
PEG Ratio
-
Book Value
₹20.46
Price to Book
1.21
P/S
2.21
EV/EBITDA
5.22
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
36.98%
Profit 5Y
84.04%
Revenue (YoY)
225.00%
Earnings (YoY)
232.30%

Profitability & Returns

ROCE
15.81%
ROE
12.41%
ROA
11.40%
Profit Margin
29.06%
Op Margin
35.52%
Gross Margin
76.40%
EPS (Latest Qtr)
₹0.92
EPS (TTM)
₹3.26

Balance Sheet & Liquidity

Debt/Equity
0.86
Quick Ratio
36.59
Current Ratio
37.73
Debt
₹3.35 Cr
Total Assets
₹423.43 Cr
Current Assets
₹368.72 Cr
Working Capital
₹358.95 Cr

Ownership

Promoter Holding
73.63%
Chg in Prom Hold
0.05%
FII / Inst Holding
0.00%
Chg in FII Hold
-0.06%

Financial Snapshot

Enterprise Value
₹448.39 Cr
Total Revenue (TTM)
₹213.12 Cr
EBITDA
₹86.94 Cr
Free Cash Flow
₹-4.58 Cr
Operating Cash Flow
₹-4.58 Cr
Shares Outstanding
₹19.02 Cr
Gross Margin
76.40%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 UYFINCORP U. Y. Fincorp Limited NSEFINANCIAL 23.57 7.23 ₹448.39 Cr 0.00% 15.81% 12.41% 36.98% 84.04%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 694.05 15.17 ₹10.70 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,398.50 18.08 ₹10.04 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 970.00 10.40 ₹8.95 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 942.10 28.93 ₹5.87 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.00 21.42 ₹4.35 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,212.00 13.63 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,678.00 26.64 ₹2.69 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 387.50 8.16 ₹2.45 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 5.21 Cr2.02 Cr4.61 Cr4.35 Cr3.84 Cr7.45 Cr-1.65 Cr10.07 Cr35.04 Cr15.92 Cr22.64 Cr9.57 Cr15.27 Cr15.25 Cr21.22 Cr24.47 Cr35.51 Cr57.69 Cr
Cost of Revenue -------------10.93 Cr11.92 Cr13.05 Cr14.01 Cr17.00 Cr
Gross Profit -------------4.32 Cr9.30 Cr11.42 Cr21.51 Cr40.69 Cr
Operating Expenses 3.32 Cr2.88 Cr12.96 Cr49.00 L48.00 L-1.32 Cr2.70 Cr1.94 Cr31.47 Cr49.11 Cr-2.85 Cr7.53 Cr11.59 Cr2.64 Cr1.57 Cr1.00 Cr-40.65 L16.49 Cr
Operating Income -------------1.68 Cr7.73 Cr10.42 Cr21.91 Cr24.20 Cr
EBITDA -------------2.16 Cr8.21 Cr10.90 Cr22.40 Cr24.68 Cr
Interest Expense 16.00 L23.00 L21.00 L19.00 L17.00 L20.00 L21.00 L28.00 L28.00 L28.00 L28.00 L19.00 L10.00 L-----
Pretax Income 2.09 Cr-1.12 Cr-8.19 Cr4.89 Cr4.26 Cr8.89 Cr-4.32 Cr11.58 Cr5.11 Cr-32.95 Cr25.49 Cr-7.00 L6.10 Cr2.07 Cr8.12 Cr10.92 Cr22.39 Cr25.21 Cr
Tax Provision 1.44 Cr19.00 L89.03 L1.06 Cr95.00 L2.36 Cr1.33 Cr2.06 Cr1.09 Cr8.69 Cr6.59 Cr-48.00 L86.01 L97.73 L2.16 Cr2.82 Cr5.61 Cr7.78 Cr
Net Income 64.00 L-94.00 L-7.30 Cr3.83 Cr3.31 Cr6.54 Cr-2.98 Cr9.53 Cr4.02 Cr-24.26 Cr18.90 Cr-55.00 L5.25 Cr1.09 Cr5.97 Cr8.09 Cr16.78 Cr17.44 Cr
Diluted EPS 0.03-0.05-0.380.200.170.34-0.160.500.21-1.280.99-0.030.280.060.310.430.880.92

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 96.04 Cr77.18 Cr16.96 Cr185.01 Cr32.53 Cr40.80 Cr39.98 Cr20.01 Cr18.02 Cr15.02 Cr-54.04 Cr195.44 Cr110.83 Cr138.90 Cr
Cost of Revenue -----------42.05 Cr99.35 Cr90.41 Cr55.98 Cr
Gross Profit -----------11.99 Cr96.09 Cr20.42 Cr82.92 Cr
Operating Expenses 92.91 Cr66.52 Cr12.19 Cr174.01 Cr16.59 Cr22.33 Cr23.21 Cr3.72 Cr20.93 Cr1.60 Cr-2.09 Cr-22.37 Cr5.43 Cr17.53 Cr
Operating Income -----------9.90 Cr118.46 Cr14.99 Cr65.39 Cr
EBITDA -----------10.10 Cr118.63 Cr16.04 Cr67.32 Cr
Interest Expense 1.91 Cr7.92 Cr6.57 Cr2.69 Cr1.00 L01.00 L071.00 L77.00 L-----
Pretax Income 1.20 Cr2.70 Cr-1.53 Cr8.07 Cr13.04 Cr18.32 Cr16.57 Cr6.39 Cr-3.76 Cr13.74 Cr-11.11 Cr84.38 Cr16.94 Cr66.64 Cr
Tax Provision 27.00 L68.01 L-12.00 L2.82 Cr5.60 Cr6.77 Cr4.97 Cr1.98 Cr-1.83 Cr3.05 Cr-3.36 Cr19.45 Cr5.21 Cr18.36 Cr
Net Income 1.18 Cr2.04 Cr-1.65 Cr5.24 Cr7.45 Cr11.56 Cr11.60 Cr4.40 Cr-5.59 Cr10.69 Cr-7.75 Cr64.92 Cr11.73 Cr48.28 Cr
Diluted EPS 0.120.11-0.090.280.390.610.610.23-0.290.560.170.413.410.62-

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Sep 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 85.81 Cr165.51 Cr163.03 Cr218.47 Cr226.15 Cr237.14 Cr251.53 Cr264.63 Cr263.71 Cr279.58 Cr-315.47 Cr294.69 Cr327.16 Cr344.84 Cr423.43 Cr
Current Assets ------------258.36 Cr304.57 Cr317.96 Cr368.72 Cr
Cash & Equivalents ------------9.31 L46.86 L7.92 Cr1.13 Cr
Inventory ------------14.84 Cr13.72 Cr13.77 Cr11.07 Cr
Receivables ------------17.95 Cr68.65 Cr17.76 Cr0
Total Liabilities ------------41.68 Cr9.16 Cr15.19 Cr34.46 Cr
Current Liabilities ------------97.78 L1.52 Cr1.09 Cr9.77 Cr
Long Term Debt ------------1.00 Cr1.00 Cr5.51 Cr3.35 Cr
Total Debt ------------1.00 Cr1.00 Cr5.51 Cr3.35 Cr
Total Equity 28.83 Cr92.58 Cr100.47 Cr214.81 Cr222.26 Cr233.82 Cr245.41 Cr245.74 Cr223.98 Cr236.11 Cr-248.98 Cr253.00 Cr318.00 Cr329.65 Cr388.97 Cr
Shares Outstanding ------------19.02 Cr19.02 Cr19.02 Cr19.02 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -66.07 Cr-66.51 Cr15.83 Cr-48.35 Cr3.47 Cr1.20 Cr-10.27 Cr1.59 Cr18.29 Cr4.79 Cr--3.30 Cr-18.47 Cr7.09 Cr-4.58 Cr
Investing Cash Flow -10.54 Cr-9.59 Cr-7.57 Cr-7.28 Cr3.77 Cr1.97 Cr1.28 Cr-3.01 Cr-24.16 Cr10.00 L-2.87 L18.93 Cr5.77 Cr55.57 L
Financing Cash Flow 78.96 Cr73.63 Cr-4.66 Cr52.45 Cr-7.00 L02.09 Cr17.00 L6.40 Cr4.35 Cr--32.37 L-8.20 L-5.41 Cr-2.77 Cr
Capital Expenditure -16.00 L-55.00 L-28.00 L-6.00 L-9.00 L-2.17 Cr-1.06 Cr-16.00 L78.00 L0-44,000----
Free Cash Flow -66.23 Cr-67.06 Cr15.55 Cr-48.41 Cr3.38 Cr-97.00 L-11.33 Cr1.43 Cr19.07 Cr4.79 Cr--3.30 Cr-18.47 Cr7.09 Cr-4.58 Cr
Net Change in Cash 2.35 Cr-2.47 Cr3.60 Cr-3.18 Cr7.17 Cr3.17 Cr-6.89 Cr-1.24 Cr53.00 L9.25 Cr--3.60 Cr37.55 L7.45 Cr-6.79 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----------22.2%49.2%18.4%59.7%
Operating Margin % -----------18.3%60.6%13.5%47.1%
Net Margin % 1.2%2.6%-9.7%2.8%22.9%28.3%29.0%22.0%-31.0%71.2%-14.3%33.2%10.6%34.8%
ROE % 4.1%2.2%-1.6%2.4%3.4%4.9%4.7%1.8%-2.5%4.5%-3.1%20.4%3.6%12.4%
ROCE % -----------3.4%36.4%4.4%15.8%

Shareholding Pattern

Insiders
73.63%
Institutions
0.00%
Public Float
0.00%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for UYFINCORP

Google News Fri, 23 Oct 2026

U. Y. Fincorp Limited Estimates – NSE:UYFINCORP - TradingView

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Google News Mon, 10 Aug 2026

U. Y. Fincorp Limited Reports Earnings Results for the First Quarter Ended June 30, 2026 - marketscreener.com

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Google News ue, 20 Oct 2026

UY Fincorp Lower Circuit Today: Price, Data and Peers - Univest

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Google News Sun, 30 Aug 2026

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Google News Mon, 12 Oct 2026

U. Y. Fincorp (UYFINCORP.NS) Climbs 4.68% to ₹24.82, Testing a Key Resistance Zone - Death Cross - siam.in

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Google News Fri, 06 Feb 2026

Benign Growth For U. Y. Fincorp Limited (NSE:UYFINCORP) Underpins Its Share Price - Simply Wall Street

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UYFINCORP — Frequently Asked Questions

What is the current share price of U. Y. Fincorp Limited (UYFINCORP)?

As of 2026-10-24 04:55 IST, U. Y. Fincorp Limited (UYFINCORP) trades at ₹23.57 on NSE. Its 52-week range is ₹11.58 to ₹25.88.

What is the market capitalisation of UYFINCORP?

U. Y. Fincorp Limited (UYFINCORP) has a market capitalisation of ₹448.39 Cr on NSE.

What is the P/E ratio of UYFINCORP?

UYFINCORP trades at a trailing price-to-earnings (P/E) ratio of 7.23. The industry average P/E is 15.25. Its price-to-book (P/B) ratio is 1.21.

What is the return on equity (ROE) of UYFINCORP?

UYFINCORP has a return on equity (ROE) of 12.41%. Its return on capital employed (ROCE) is 15.81%.

Is UYFINCORP a good stock to buy?

This page provides a data-driven analysis of U. Y. Fincorp Limited (UYFINCORP), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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