U. Y. Fincorp Limited UYFINCORP NSEFINANCIAL
Company Overview
U. Y. Fincorp Limited, a non-banking financial institution, provides financial and related services. The company focuses on providing corporate and personal loans; investments in securities and trading in securities. The company also offers fund-based services, such as infrastructure, real estate, and industrial asset funding; loan against shares and properties; corporate deposits; equity participation; retail and bridge financing; and bill discounting. In addition, the company provides fee-based services, which include loan syndication and project counselling. Further, it is involved in inevitable financial activities, such as acquisition funding, lending against land, promoter funding, and illiquid collaterals. 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
Return on capital employed stands at 15.8%.
Net profit has compounded at 84.0% per year over the last five years.
Revenue has grown at a 37.0% CAGR over the past five years.
Maintains a net profit margin of 34.8%.
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 +25.3%, earnings +311.7%.
- 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: | 25.32% |
Compounded Profit Growth
| 5 Years: | 84.04% |
| 1 Year: | 311.69% |
Stock Price Performance
| 1 Year: | -16.33% |
| 6 Months: | +14.82% |
| 3 Months: | +11.78% |
| 1 Month: | +10.85% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)64.11 · Neutral
P/E of 25.87 is above the sector median of 19.81 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
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 34.8%.
- 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.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | UYFINCORP U. Y. Fincorp Limited NSEFINANCIAL | 16.04 | 25.87 | ₹305.14 Cr | 0.00% | 15.81% | 12.41% | 36.98% | 84.04% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 815.55 | 16.51 | ₹12.48 L Cr | 1.58% | - | 13.62% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.10 | 19.03 | ₹10.19 L Cr | 0.86% | - | 14.93% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,031.00 | 11.31 | ₹9.52 L Cr | 1.67% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,032.90 | 33.85 | ₹6.43 L Cr | 0.53% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 443.80 | 9.77 | ₹5.61 L Cr | 2.26% | - | 32.53% | 7.26% | 16.86% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,340.20 | 15.86 | ₹4.17 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 8 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 381.30 | 19.66 | ₹3.79 L Cr | 0.17% | - | 10.64% | 13.48% | 8.92% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,887.10 | 34.31 | ₹3.02 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5.21 Cr | 2.02 Cr | 4.61 Cr | 4.35 Cr | 3.84 Cr | 7.45 Cr | -1.65 Cr | 10.07 Cr | 35.04 Cr | 15.92 Cr | 22.64 Cr | 9.57 Cr | 15.27 Cr | 15.25 Cr | 21.22 Cr | 24.47 Cr | 35.51 Cr | 57.69 Cr |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | 10.93 Cr | 11.92 Cr | 13.05 Cr | 14.01 Cr | 17.00 Cr |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | 4.32 Cr | 9.30 Cr | 11.42 Cr | 21.51 Cr | 40.69 Cr |
| Operating Expenses | 3.32 Cr | 2.88 Cr | 12.96 Cr | 49.00 L | 48.00 L | -1.32 Cr | 2.70 Cr | 1.94 Cr | 31.47 Cr | 49.11 Cr | -2.85 Cr | 7.53 Cr | 11.59 Cr | 2.64 Cr | 1.57 Cr | 1.00 Cr | -40.65 L | 16.49 Cr |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.68 Cr | 7.73 Cr | 10.42 Cr | 21.91 Cr | 24.20 Cr |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.16 Cr | 8.21 Cr | 10.90 Cr | 22.40 Cr | 24.68 Cr |
| Interest Expense | 16.00 L | 23.00 L | 21.00 L | 19.00 L | 17.00 L | 20.00 L | 21.00 L | 28.00 L | 28.00 L | 28.00 L | 28.00 L | 19.00 L | 10.00 L | - | - | - | - | - |
| Pretax Income | 2.09 Cr | -1.12 Cr | -8.19 Cr | 4.89 Cr | 4.26 Cr | 8.89 Cr | -4.32 Cr | 11.58 Cr | 5.11 Cr | -32.95 Cr | 25.49 Cr | -7.00 L | 6.10 Cr | 2.07 Cr | 8.12 Cr | 10.92 Cr | 22.39 Cr | 25.21 Cr |
| Tax Provision | 1.44 Cr | 19.00 L | 89.03 L | 1.06 Cr | 95.00 L | 2.36 Cr | 1.33 Cr | 2.06 Cr | 1.09 Cr | 8.69 Cr | 6.59 Cr | -48.00 L | 86.01 L | 97.73 L | 2.16 Cr | 2.82 Cr | 5.61 Cr | 7.78 Cr |
| Net Income | 64.00 L | -94.00 L | -7.30 Cr | 3.83 Cr | 3.31 Cr | 6.54 Cr | -2.98 Cr | 9.53 Cr | 4.02 Cr | -24.26 Cr | 18.90 Cr | -55.00 L | 5.25 Cr | 1.09 Cr | 5.97 Cr | 8.09 Cr | 16.78 Cr | 17.44 Cr |
| Diluted EPS | 0.03 | -0.05 | -0.38 | 0.20 | 0.17 | 0.34 | -0.16 | 0.50 | 0.21 | -1.28 | 0.99 | -0.03 | 0.28 | 0.06 | 0.31 | 0.43 | 0.88 | 0.92 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 96.04 Cr | 77.18 Cr | 16.96 Cr | 185.01 Cr | 32.53 Cr | 40.80 Cr | 39.98 Cr | 20.01 Cr | 18.02 Cr | 15.02 Cr | - | 54.04 Cr | 195.44 Cr | 110.83 Cr | 138.90 Cr |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | 42.05 Cr | 99.35 Cr | 90.41 Cr | 55.98 Cr |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | 11.99 Cr | 96.09 Cr | 20.42 Cr | 82.92 Cr |
| Operating Expenses | 92.91 Cr | 66.52 Cr | 12.19 Cr | 174.01 Cr | 16.59 Cr | 22.33 Cr | 23.21 Cr | 3.72 Cr | 20.93 Cr | 1.60 Cr | - | 2.09 Cr | -22.37 Cr | 5.43 Cr | 17.53 Cr |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | 9.90 Cr | 118.46 Cr | 14.99 Cr | 65.39 Cr |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | 10.10 Cr | 118.63 Cr | 16.04 Cr | 67.32 Cr |
| Interest Expense | 1.91 Cr | 7.92 Cr | 6.57 Cr | 2.69 Cr | 1.00 L | 0 | 1.00 L | 0 | 71.00 L | 77.00 L | - | - | - | - | - |
| Pretax Income | 1.20 Cr | 2.70 Cr | -1.53 Cr | 8.07 Cr | 13.04 Cr | 18.32 Cr | 16.57 Cr | 6.39 Cr | -3.76 Cr | 13.74 Cr | - | 11.11 Cr | 84.38 Cr | 16.94 Cr | 66.64 Cr |
| Tax Provision | 27.00 L | 68.01 L | -12.00 L | 2.82 Cr | 5.60 Cr | 6.77 Cr | 4.97 Cr | 1.98 Cr | -1.83 Cr | 3.05 Cr | - | 3.36 Cr | 19.45 Cr | 5.21 Cr | 18.36 Cr |
| Net Income | 1.18 Cr | 2.04 Cr | -1.65 Cr | 5.24 Cr | 7.45 Cr | 11.56 Cr | 11.60 Cr | 4.40 Cr | -5.59 Cr | 10.69 Cr | - | 7.75 Cr | 64.92 Cr | 11.73 Cr | 48.28 Cr |
| Diluted EPS | 0.12 | 0.11 | -0.09 | 0.28 | 0.39 | 0.61 | 0.61 | 0.23 | -0.29 | 0.56 | 0.17 | 0.41 | 3.41 | 0.62 | - |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Sep 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 85.81 Cr | 165.51 Cr | 163.03 Cr | 218.47 Cr | 226.15 Cr | 237.14 Cr | 251.53 Cr | 264.63 Cr | 263.71 Cr | 279.58 Cr | - | 315.47 Cr | 294.69 Cr | 327.16 Cr | 344.84 Cr | 423.43 Cr |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | 258.36 Cr | 304.57 Cr | 317.96 Cr | 368.72 Cr |
| Cash & Equivalents | - | - | - | - | - | - | - | - | - | - | - | - | 9.31 L | 46.86 L | 7.92 Cr | 1.13 Cr |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | 14.84 Cr | 13.72 Cr | 13.77 Cr | 11.07 Cr |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | 17.95 Cr | 68.65 Cr | 17.76 Cr | 0 |
| Total Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | 41.68 Cr | 9.16 Cr | 15.19 Cr | 34.46 Cr |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | 97.78 L | 1.52 Cr | 1.09 Cr | 9.77 Cr |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - | 1.00 Cr | 1.00 Cr | 5.51 Cr | 3.35 Cr |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | 1.00 Cr | 1.00 Cr | 5.51 Cr | 3.35 Cr |
| Total Equity | 28.83 Cr | 92.58 Cr | 100.47 Cr | 214.81 Cr | 222.26 Cr | 233.82 Cr | 245.41 Cr | 245.74 Cr | 223.98 Cr | 236.11 Cr | - | 248.98 Cr | 253.00 Cr | 318.00 Cr | 329.65 Cr | 388.97 Cr |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | 19.02 Cr | 19.02 Cr | 19.02 Cr | 19.02 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -66.07 Cr | -66.51 Cr | 15.83 Cr | -48.35 Cr | 3.47 Cr | 1.20 Cr | -10.27 Cr | 1.59 Cr | 18.29 Cr | 4.79 Cr | - | -3.30 Cr | -18.47 Cr | 7.09 Cr | -4.58 Cr |
| Investing Cash Flow | -10.54 Cr | -9.59 Cr | -7.57 Cr | -7.28 Cr | 3.77 Cr | 1.97 Cr | 1.28 Cr | -3.01 Cr | -24.16 Cr | 10.00 L | - | 2.87 L | 18.93 Cr | 5.77 Cr | 55.57 L |
| Financing Cash Flow | 78.96 Cr | 73.63 Cr | -4.66 Cr | 52.45 Cr | -7.00 L | 0 | 2.09 Cr | 17.00 L | 6.40 Cr | 4.35 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 L | 78.00 L | 0 | -44,000 | - | - | - | - |
| Free Cash Flow | -66.23 Cr | -67.06 Cr | 15.55 Cr | -48.41 Cr | 3.38 Cr | -97.00 L | -11.33 Cr | 1.43 Cr | 19.07 Cr | 4.79 Cr | - | -3.30 Cr | -18.47 Cr | 7.09 Cr | -4.58 Cr |
| Net Change in Cash | 2.35 Cr | -2.47 Cr | 3.60 Cr | -3.18 Cr | 7.17 Cr | 3.17 Cr | -6.89 Cr | -1.24 Cr | 53.00 L | 9.25 Cr | - | -3.60 Cr | 37.55 L | 7.45 Cr | -6.79 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for UYFINCORP
Enterprise value to EBIT forward of U. Y. Fincorp Limited – NSE:UYFINCORP - TradingView
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UY Fincorp Ltd. Share Price Today | UY Fincorp Live NSE/BSE - Value Research
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UYFINCORP Stock Price and Chart — NSE:UYFINCORP - TradingView
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UYFINCORP — Frequently Asked Questions
What is the current share price of U. Y. Fincorp Limited (UYFINCORP)?
As of 2026-07-15 09:52 IST, U. Y. Fincorp Limited (UYFINCORP) trades at ₹16.04 on NSE. Its 52-week range is ₹11.58 to ₹19.17.
What is the market capitalisation of UYFINCORP?
U. Y. Fincorp Limited (UYFINCORP) has a market capitalisation of ₹305.14 Cr on NSE.
What is the P/E ratio of UYFINCORP?
UYFINCORP trades at a trailing price-to-earnings (P/E) ratio of 25.87. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 0.82.
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.