Arthneeti

U. Y. Fincorp Share Price & Earnings Call Analysis

₹29.09-2.84% today
Market cap
₹553 Cr
P/E
8.94
ROE
13.44%
PEG
0.11
Price to sales
2.61
Debt to equity
0.01
52W high / low
₹30.2 / ₹11.6
Sales growth (5Y)
60.89%
EBITDA margin
39.83%
Net profit margin
29.82%
Promoter holding
71.50%
Sales (last year)
₹212 Cr

Incorporated in 1993, U. Y. Fincorp Ltd is in the business of Financial and Related Services[1]

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,632 Cr69.0
240%+Up 2%+₹458 Cr23.7
340%+Up 0–2%₹877 Cr29.8
440%+Flat₹40,658 Cr37.4
540%+Flat₹16,070 Cr70.5
640%+Flat₹13,546 Cr—

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Financials of U. Y. Fincorp

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

U. Y. Fincorp

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +71.38%71.38%71.38%71.38%71.38%71.38%71.38%71.38%71.38%71.38%71.38%71.50%
FIIs +0.00%0.00%0.00%0.00%0.01%0.05%0.05%0.72%0.68%0.06%0.06%0.09%
Public +28.62%28.63%28.63%28.61%28.60%28.57%28.57%27.91%27.94%28.57%28.57%28.40%
No. of Shareholders8,23915,86915,24415,82819,38619,35419,08121,16520,37919,80219,35319,519

Financials of U. Y. Fincorp

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +29333936451515222742707367
YoY Revenue growth+91%+97%+179%+72%+55%-55%-61%-38%-40%+183%+360%+231%+145%
Interest0000100000001
Expenses +34273629391313141620464638
Financing Profit-563652281122252627
Financing Margin %-16%17%8%17%12%15%14%37%40%53%35%36%41%
Other Income +74100010000101
Depreciation0000000000000
Profit before tax6964663281122252628
Tax %26%25%-34%22%40%19%47%26%26%25%31%24%20%
Net Profit +515553216817172022
EPS in Rs2.690.250.250.270.180.110.060.310.430.880.921.031.16
Gross NPA %
Net NPA %

Financials of U. Y. Fincorp

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +1812526242018158557197113162252
Revenue growth+1,249%-86%+5%-9%-15%-10%-17%+465%-33%+245%-43%+43%+217%
Interest3000011100161
Expenses +170987313279451129489150
Financing Profit916181717513411851868100
Financing Margin %5%64%70%70%83%26%84%5%20%43%16%42%40%
Other Income +0-300-1000000012
Depreciation0000000000122
Profit before tax91318166513411841767101
Tax %33%43%37%30%33%40%24%24%30%23%31%28%
Net Profit +6711124393865124876
EPS in Rs0.300.380.600.610.210.140.500.170.413.410.622.543.99
Dividend Payout %0%0%0%8%0%0%0%0%0%0%0%0%

Financials of U. Y. Fincorp

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital95959595959595959595959595
Reserves119127138149150137147150158223235294336
Borrowing000008141411633
Other Liabilities +222315282844418103158
Total Liabilities216224235248260269284304295327345423492
Fixed Assets +0011111111644
CWIP0000000000000
Investments42393734364647493519211717
Other Assets +174184197212223221236254259307319403472
Total Assets216224235248260269284304295327345423492

Financials of U. Y. Fincorp

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-5631-93155-5-3-187-5
Cash from Investing Activity +-4422-3-240001961
Cash from Financing Activity +58-000-185-1-0-0-5-3
Net Cash Flow-373-7-1-29-6-407-7
Free Cash Flow-5730-93165-5-3-1813-4

Financials of U. Y. Fincorp

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %4%4%5%5%2%1%4%1%3%23%4%13%

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