U Y Fincorp
U. Y. Fincorp Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for U. Y. Fincorp Ltd, framed against the sector median so the premium or discount is obvious at a glance.
U. Y. Fincorp Ltd trades at a P/E of 5.63× and P/B of 0.70×, against the Financial Services sector median P/E of 17.67×.
Valuation
Profitability
Growth
Financial Health
U. Y. Fincorp Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for U. Y. Fincorp Ltd, switchable between annual and quarterly views, consolidated or standalone.
U. Y. Fincorp Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹269.19 Cr and reported EPS of ₹2.54.
| Period | 2020 | 2021 | 2022 |
|---|---|---|---|
| Revenue from Operations | 17 | 14 | 84 |
| Other Income | 1 | 1 | 1 |
| Total Income | 18 | 15 | 85 |
| Cost of Goods Sold (COGS) | 0 | -0 | 62 |
| Gross Profit | 17 | 14 | 21 |
| +Operating Expenses | 2 | 2 | 3 |
| EBITDA | 15 | 12 | 18 |
| +Non-Operating Expenses | 1 | 1 | 1 |
| Profit Before Tax (PBT) | 5 | 13 | 4 |
| +Tax Expense | 2 | 3 | 1 |
| Profit After Tax (PAT) | -6 | 11 | 8 |
| Earnings Per Share (EPS) | -0.29 | 0.56 | 0.43 |
| Diluted Shares Outstanding (Nos.) | 19 | 19 | 19 |
| +Banking Income | 18 | 15 | 85 |
| +Additional Disclosures | 3 | 4 | 148 |
| Sales Growth % | — | -18.75 | 498.24 |
| YoY Sales Growth % | — | -18.75 | 498.24 |
| Employee Cost % | 7 | 6 | 1 |
| Other Cost % | 4 | 7 | 3 |
| OPM % | 90 | 87 | 22 |
| Tax % | 40 | 24 | 24 |
| Profit Growth % | — | 291.40 | -23.40 |
| Gross Margin % | 0.00 | 0.00 | 0.00 |
| EBITDA Margin % | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio | 0.00 | 0.00 | 0.00 |
| +Additional Fields | 15 | 12 | 18 |
U Y Fincorp segment analysis: revenue and profit mix.
Disclosed business segments at U Y Fincorp with their share of revenue and profit, switchable between consolidated and standalone reporting.
U Y Fincorp discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
U. Y. Fincorp Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy U. Y. Fincorp Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
U. Y. Fincorp Ltd's investment case rests on 8 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
Promoter holding is very strong at 71.4%, indicating significant confidence from the management in the company's future prospects and stability.
The company maintains a very low debt-to-equity ratio of 0.00, suggesting a strong balance sheet with minimal financial leverage and risk.
Despite a sales decline, the company reported a 24.00% growth in quarterly profit, indicating effective cost management or other positive operational adjustments.
The current price to book value of 1.09 is relatively attractive, suggesting the stock is trading close to its intrinsic asset value, offering potential value.
As an NBFC in the Financial Services sector, the company can capitalize on the broader industry expansion and increasing demand for credit and financial products.
What can break it.
The company exhibits negative operating profit margin (-3.12%) and negative EPS (-0.03), indicating a lack of core operational profitability and earnings.
Return on Capital Employed (ROCE) at 2.11% and Return on Equity (ROE) at 2.35% are very low, suggesting inefficient capital utilization and poor shareholder returns.
The latest quarterly sales experienced a substantial decline of -56.40%, raising concerns about revenue generation and market demand for its services.
The stock has seen significant volatility, trading between a 52-week high of 31.50 and a low of 11.20, with the current price near its low.
The company has a 0.00% dividend yield, meaning it currently does not distribute profits to shareholders, which might deter income-focused investors.
What would change my mind.
Trim if P/E re-rates above 7 (~0.4× the sector multiple of 17.7). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.36. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
U. Y. Fincorp Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — U. Y. Fincorp Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
U. Y. Fincorp Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for U. Y. Fincorp Ltd — derived from the live tape, not yesterday's close.
U. Y. Fincorp Ltd last traded at ₹14.27 with an intraday range of ₹14–₹14.5 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹14.27| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 15.51 | +1.24 | +8.71% |
| R3 | 15.01 | +0.74 | +5.21% |
| R2 | 14.76 | +0.49 | +3.41% |
| R1 | 14.51 | +0.24 | +1.71% |
| PIVOT | 14.26 | -0.01 | -0.09% |
| CURRENT | 14.27 | — | — |
| S1 | 13.01 | -1.26 | -8.81% |
| S2 | 13.51 | -0.76 | -5.30% |
| S3 | 13.76 | -0.51 | -3.60% |
| S4 | 14.01 | -0.26 | -1.80% |
UYFINCORP is trading Above CPR, indicating Bullishness
CPR is Narrower, suggesting likely for trending moves
Day's range: 14.5 ~ 14.5
Trading Inside opening range
U. Y. Fincorp Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for U. Y. Fincorp Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in U. Y. Fincorp Ltd stood at 87.5% of traded volume, against a 20-day average of 78.2%.
U Y Fincorp announcements: results, concalls, ratings, M&A.
Filings U Y Fincorp sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
U Y Fincorp files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 34 documents below.
Copy of Newspaper Publication
U. Y. Fincorp Limited has informed the Exchange about Copy of Newspaper Publication
Certificate under SEBI (Depositories and Participants) Regulations, 2018
U. Y. Fincorp Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended…
Disclosure under SEBI Takeover Regulations
Udai Kothari has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial…
Trading Window
U. Y. Fincorp Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations,…
Copy of Newspaper Publication
U. Y. Fincorp Limited has informed the Exchange about Copy of Newspaper Publication
U Y Fincorp dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue U Y Fincorp has declared, sequenced by announce and record date.
U Y Fincorp corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About U. Y. Fincorp Ltd: business, sector, key facts.
What U. Y. Fincorp Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
U. Y. Fincorp Ltd operates in the Financial Services, listed as NSE: UYFINCORP, BSE: 530579.
U. Y. Fincorp Limited is a non-banking financial institution (NBFC) based in Mumbai, India, established in 1993 (formerly known as Golden Goenka Fincorp Limited). The core of its business lies in providing a diverse range of financial services catering to both corporate and individual clients. Their services are broadly categorized into fund-based and fee-based offerings, showcasing a comprehensive approach to financial solutions.
Fund-based services constitute a significant portion of UYFINCORP's operations. This includes a wide spectrum of lending activities, such as infrastructure, real estate, and industrial asset financing. They also offer loans secured against shares and properties, providing flexible financing options for various asset classes. Further, the company engages in inter-corporate deposits, equity participation, retail and bridge financing, and bill discounting, demonstrating a robust presence across different financial markets and lending structures.
Complementing its lending activities, UYFINCORP offers a suite of fee-based services, adding another dimension to its revenue streams. These services center around advisory and facilitation roles, primarily encompassing loan syndication and project counseling. This indicates a strategic move beyond simple lending, positioning the company as a comprehensive financial partner capable of guiding clients through complex financial transactions.
Beyond its core offerings, UYFINCORP engages in what it terms "inevitable financial activities," highlighting its capacity to handle more complex and specialized financing needs. This includes acquisition funding, lending against land, promoter funding, and financing secured by illiquid collaterals. This suggests a willingness to address less conventional financing requests, potentially catering to a niche market segment requiring tailored solutions.
In summary, UYFINCORP operates as a multifaceted NBFC, expertly navigating the complexities of the Indian financial landscape. Its diversified portfolio of fund-based and fee-based services, coupled with its ability to handle intricate financial transactions, establishes it as a significant player in the Indian financial market, catering to a wide range of clients and financial needs.
Questions investors ask about U. Y. Fincorp Ltd (UYFINCORP).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of U. Y. Fincorp Ltd (UYFINCORP)?
The current share price of U. Y. Fincorp Ltd (UYFINCORP) is ₹14.27. Today, the stock has gained by ₹0.09 (0.63%), trading in a range of ₹14 to ₹14.5. The stock opened at ₹14.5 with a trading volume of 42,248 shares.
02Is U. Y. Fincorp Ltd stock a good investment for long-term?
U. Y. Fincorp Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹269.19 crores, P/E ratio of 5.63, ROE of 13.44%, and ROCE of 2.11%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of U. Y. Fincorp Ltd stock?
The 52-week high price of U. Y. Fincorp Ltd (UYFINCORP) is ₹0, while the 52-week low is ₹0. Currently trading at ₹14.27, the stock is Infinity% away from its 52-week low and -Infinity% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy U. Y. Fincorp Ltd stock at the current price?
Whether to buy U. Y. Fincorp Ltd stock at ₹14.27 depends on multiple factors. The stock is currently trading with a P/E ratio of 5.63 and P/B ratio of 0.70. Today's performance shows a gain of 0.63%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of U. Y. Fincorp Ltd and when is the next dividend?
U. Y. Fincorp Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹14.27, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹5.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of U. Y. Fincorp Ltd?
U. Y. Fincorp Ltd's key financial metrics include: P/E Ratio: 5.63, P/B Ratio: 0.70, ROE: 13.44%, ROCE: 2.11%, Dividend Yield: 0.00%, EPS: ₹2.54, Book Value: ₹20.46, and Debt-to-Equity: 0.86. The company's market cap stands at ₹269.19 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is U. Y. Fincorp Ltd stock performing today in the market?
U. Y. Fincorp Ltd stock opened at ₹14.5 and is currently trading at ₹14.27, showing a gain of ₹0.09 (0.63%). The intraday high is ₹14.5 and low is ₹14. The trading volume stands at 42,248 shares, indicating moderate market participation today.
08What is the P/E ratio of U. Y. Fincorp Ltd and what does it indicate?
U. Y. Fincorp Ltd has a Price-to-Earnings (P/E) ratio of 5.63, which means investors are willing to pay ₹5.63 for every ₹1 of earnings. With an EPS of ₹2.54, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about U. Y. Fincorp Ltd (UYFINCORP) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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