U. Y. Fincorp Limited (IN:UYFINCORP)
:UYFINCORP
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U. Y. Fincorp Limited
(UYFINCORP)
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Rating:76Outperform
Price Target:
₹17.00
▲(15.72% Upside)
Action:N/A
Date:05/30/26
The score is driven mainly by improved FY2026 fundamentals and a very low-leverage balance sheet, supported by a low P/E valuation. The main restraint is cash-flow inconsistency (FY2026 free cash flow at zero) and only neutral technical momentum despite being above key moving averages.
Positive Factors
Margins & Scale
FY2026's sharp step-up in revenue and substantially higher operating and net margins indicate durable operating leverage and improved earnings quality. If management sustains pricing, cost structure, and scale benefits, profitability can remain structurally stronger over the next several quarters.
Negative Factors
Free Cash Flow Consistency
Zero free cash flow despite stronger operating cash flow suggests heavy reinvestment or working-capital strain, reducing cash available for dividends, buybacks, or debt reduction. Inconsistent cash conversion increases execution risk and limits near-term capital return predictability.
Read all positive and negative factors
Positive Factors
Negative Factors
Margins & Scale
FY2026's sharp step-up in revenue and substantially higher operating and net margins indicate durable operating leverage and improved earnings quality. If management sustains pricing, cost structure, and scale benefits, profitability can remain structurally stronger over the next several quarters.
Read all positive factors
U. Y. Fincorp Limited (UYFINCORP) vs. iShares MSCI India ETF (INDA)
Market Cap
₹2.74B
Dividend YieldN/A
Average Volume (3M)13.04K
Price to Earnings (P/E)5.5
Beta (1Y)0.56
Revenue Growth45.16%
EPS Growth312.20%
CountryIN
Employees26
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.49
Shares Outstanding190,238,340
10 Day Avg. Volume3,934
30 Day Avg. Volume13,037
Financial Highlights & Ratios
PEG Ratio0.01
Price to Book (P/B)0.57
Price to Sales (P/S)1.36
P/FCF Ratio-48.25
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
U. Y. Fincorp Limited Business Overview & Revenue Model
Company Description
U. Y. Fincorp Limited operates as a non-banking financial company (NBFC), delivering a comprehensive array of financial and associated services. The firm primarily focuses on providing loans to both corporate entities and individuals, in addition ...
How the Company Makes Money
null...
U. Y. Fincorp Limited Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
90
Very Positive
Cash Flow
56
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 |
|---|---|---|---|
Income Statement | |||
| Total Revenue | 397.44M | 1.63B | 1.11B |
| Gross Profit | 154.31M | 1.05B | 201.08M |
| EBITDA | 130.75M | 684.69M | 160.54M |
| Net Income | 91.85M | 482.80M | 117.27M |
Balance Sheet | |||
| Total Assets | 3.59B | 4.23B | 3.45B |
| Cash, Cash Equivalents and Short-Term Investments | 196.06M | 11.26M | 95.28M |
| Total Debt | 39.49M | 33.52M | 55.05M |
| Total Liabilities | 148.55M | 344.54M | 151.87M |
| Stockholders Equity | 3.44B | 3.89B | 3.30B |
Cash Flow | |||
| Free Cash Flow | 142.56M | -45.78M | 70.87M |
| Operating Cash Flow | 106.52M | 765.81M | 70.87M |
| Investing Cash Flow | 98.83M | -812.21M | 57.74M |
| Financing Cash Flow | -98.73M | -21.54M | -54.10M |
U. Y. Fincorp Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ₹2.74B | 5.55 | ― | ― | 45.16% | 312.20% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹2.78B | 11.82 | ― | 0.09% | 45.67% | 128.41% | |
60 Neutral | ₹4.64B | 29.20 | ― | 0.45% | 41.13% | 11.07% | |
55 Neutral | ₹6.59B | 14.38 | ― | 0.71% | 31.69% | 19.92% | |
47 Neutral | ₹3.48B | 30.20 | ― | ― | 32.79% | -75.58% |
* Financial Sector Average
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U. Y. Fincorp Limited Corporate Events
U. Y. Fincorp Closes Trading Window Ahead of FY26 Audited Results
Mar 27, 2026
U. Y. Fincorp Limited has announced the closure of its trading window for dealing in company shares from 1 April 2026 until 48 hours after the declaration of its audited financial results for the quarter and year ended 31 March 2026. This move, un...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.