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Banking And Finance | Small Cap
Health Score : 4.85U. Y. Fincorp Ltd, operating within the financial services sector, demonstrates a mixed financial performance. While the company shows strengths in revenue growth and profitability metrics like gross profit margin, its liquidity position is weak. Solvency appears strong due to low debt levels, but this is offset by poor equity ratios after 2022. Efficiency in asset utilization is generally low. The company's growth prospects are hindered by negative trends in operating profit and earnings per share. Coverage ratios are also concerning, indicating potential difficulties in meeting interest obligations. Overall, U. Y. Fincorp exhibits some positive aspects in profitability and revenue generation, but significant improvements are needed in liquidity, operational efficiency, and consistent earnings to ensure long-term financial stability.
Health Score : 4.85U. Y. Fincorp Ltd, operating within the financial services sector, demonstrates a mixed financial performance. While the company shows strengths in revenue growth and profitability metrics like gross profit margin, its liquidity position is weak. Solvency appears strong due to low debt levels, but this is offset by poor equity ratios after 2022. Efficiency in asset utilization is generally low. The company's growth prospects are hindered by negative trends in operating profit and earnings per share. Coverage ratios are also concerning, indicating potential difficulties in meeting interest obligations. Overall, U. Y. Fincorp exhibits some positive aspects in profitability and revenue generation, but significant improvements are needed in liquidity, operational efficiency, and consistent earnings to ensure long-term financial stability.
Overall Valuation Score
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Markets Today NSE
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Avg Price
0.00
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Last Traded Quantity
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Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
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P/E RATIO (TTM)
8.28
Industry Median
22.63
Small Cap Median
13.82
P/E RATIO
48.88
P/B RATIO
1.60
Industry Median
1.61
Small Cap Median
0.97
P/S RATIO
4.68
Industry Median
4.58
Small Cap Median
3.74
Others
PEG RATIO
0.00
EV/EBITDA RATIO
36.98
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹21.02 as on Aug 10, 2026.
Growth Score : 4.00The growth ratios for U. Y. Fincorp Ltd reveal a mixed performance. While there was a high revenue growth, negative trends in operating profit, earnings per share, and asset growth present challenges. A decline in these areas suggests underlying operational and strategic issues. Efforts to improve profitability and asset management are crucial for sustainable growth.
Revenue Growth RateExcellentOperating Profit Growth RatePoorEarnings Per Share (EPS) GrowthPoorAsset Growth RatePoorNet Income Growth RatePoor| Growth Ratios | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -2.01 | -49.95 | -9.95 | -16.65 | 465.25 |
| Operating Profit Growth Rate | -9.26 | -2.8 | -122.22 | 449.45 | -65.14 |
| Earnings Per Share (EPS) Growth | 0 | -62.3 | -226.09 | 293.1 | -23.21 |
| Asset Growth Rate | 5.21 | -0.35 | 6.02 | 12.16 | |
| Net Income Growth Rate | 0.35 | -62.07 | -227.05 | 291.23 | -23.39 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | BAIDFIN | 8.63 | 10.46 | Undervalued | N/A | 0.97 | 15.00 |
| 2 | AFIL | 8.27 | 9.53 | Undervalued | N/A | 0.99 | 42.00 |
| 3 | KEYFINSERV | 7.94 | 21.22 | Neutral | 8.19 | -2.98 | 6.66 |
| 4 | STARTECK | 7.94 | 10.50 | Neutral | N/A | 17.31 | 24.00 |
| 5 | IBLFL | 7.50 | 61.62 | Neutral | N/A | 0.99 | 2.44 |
| 6 | USHAFIN | 7.25 | 9.36 | Neutral | N/A | 5.17 | 22.00 |
| 7 | NDGL | 6.97 | -29.29 | Neutral | N/A | -108.80 | -10.00 |
| 8 | IITL | 5.70 | -27.77 | Neutral | -13.00 | -5.91 | -12.00 |
| 9 | MAHAPEXLTD | 5.69 | -23.02 | Neutral | -9.35 | 0.96 | -6.87 |
| 10 | UYFINCORP | 4.85 | 48.88 | Neutral | N/A | 2.54 | -0.66 |
| 11 | MUTHOOTCAP | 4.27 | 36.12 | Neutral | N/A | 6.79 | 11.00 |
| 12 | MANCREDIT | 3.63 | 62.05 | Neutral | N/A | 7.25 | 8.00 |
| 13 | SAKTHIFIN | N/A | N/A | N/A | N/A | N/A | N/A |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bullish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
No Stock Reports Available at This Moment.
No Stock News Available at This Moment.
U. Y. Fincorp Ltd is a Kolkata-based Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India. It primarily engages in financing and investment activities, offering loans and advances against various assets. The company caters to diverse clients, leveraging its expertise in the Indian financial services market.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. U. Y. Fincorp Ltd's P/E ratio (TTM) is 8.28, compared to the industry median of 22.63 and large cap median of 13.82.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. U. Y. Fincorp Ltd's P/B ratio is 1.60, compared to the industry median of 1.61 and large cap median of 0.97.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. U. Y. Fincorp Ltd's P/S ratio is 4.68, compared to the industry median of 4.58 and large cap median of 3.74.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. U. Y. Fincorp Ltd's PEG ratio is N/A.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. U. Y. Fincorp Ltd's EV/EBITDA ratio is 36.98.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. U. Y. Fincorp Ltd's ROE is 3.35%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. U. Y. Fincorp Ltd's ROA is 1.41%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. U. Y. Fincorp Ltd's ROCE is 2.11%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. U. Y. Fincorp Ltd's operating margin is 5.19%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. U. Y. Fincorp Ltd's net margin is 9.65%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. U. Y. Fincorp Ltd's current ratio is 5.04.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. U. Y. Fincorp Ltd's debt-to-equity ratio is 0.05.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. U. Y. Fincorp Ltd's interest coverage ratio is 9.24.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. U. Y. Fincorp Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. U. Y. Fincorp Ltd's EPS is -23.21.
(Source line: "Ratios as of 10 Aug 2026, based on last traded price of ₹21.02. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1993 (as U.Y. Securities Private Limited)
Headquarters: Kolkata, West Bengal
Core Offerings: Loans and Advances, Investment in Securities, Financial Advisory
Stock Listing: NSE (UYFINCORP), BSE (530579)
Promoter: U.Y. Group / Goenka Family
U. Y. Fincorp Limited was incorporated on December 21, 1993, as U.Y. Securities Private Limited. It was subsequently converted into a public limited company and renamed U.Y. Fincorp Limited on October 14, 1994. Since its inception, the company has focused on providing financial services, including financing and investing in shares and securities. It operates as an RBI-registered NBFC, listed on the BSE, and aims to create value for its stakeholders through its core financial activities.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Financing Activities | Approx. 99% | Operating Profit |
| Investment Activities | Approx. 1% | Operating Profit |
Financing Activities: Engages in providing various types of loans and advances, including loans against shares, properties, and other financial instruments to retail, corporate, and SME clients.
Investment Activities: Involves strategic investments in shares and securities to generate returns and augment overall income, contributing to the company's financial stability.
Mr. Udayan Goenka (Chairman & Managing Director): A commerce graduate, he founded the company and has been instrumental in its growth, providing strategic direction and leadership. Mr. Pratik Goenka (Joint Managing Director): Holds a BBA degree and has been actively involved in the company's operations and expansion initiatives.
No major subsidiaries reported.
Bonus Issue: 1:1 in 2021. Stock Split: Face value from ₹10 to ₹1 in 2021.
The U. Y. Fincorp Ltd share price today is ₹21.02 on NSE (UYFINCORP), as of 12 Sept 2026.
As of 10 Aug 2026, U. Y. Fincorp Ltd share price is ₹21.02, with previous close ₹21.02. Today's range is ₹21.02 to ₹21.02. The 52-week range is ₹21.02 to ₹21.02.
As of today, U. Y. Fincorp Ltd's market cap is ₹397.7 crore (Small Cap).
U. Y. Fincorp Ltd's current P/E ratio is 8.28, compared to the BANKING AND FINANCE sector average of 24.
U. Y. Fincorp Ltd's current P/B ratio is 1.60.
U. Y. Fincorp Ltd's current dividend yield is N/A. Last dividend of ₹0.50 per share was declared on 19-Aug-2023.
U. Y. Fincorp Ltd's EPS (TTM) is ₹-23.21.
U. Y. Fincorp Ltd is a Kolkata-based Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India. It primarily engages in financing and investment activities, offering loans and advances against various assets. The company caters to diverse clients, leveraging its expertise in the Indian financial services market.
U. Y. Fincorp Ltd is promoted by U.Y. Group / Goenka Family, holding 71.38% as of 10 Aug 2026.
U. Y. Fincorp Ltd is listed on NSE (UYFINCORP) and BSE (530579). Its next quarterly results are expected on August 2024 (Q1 FY25).
Financial Health & Prudence