Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of U. Y. Fincorp
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 14 | 21 | 29 | 33 | 39 | 36 | 45 | 15 | 15 | 22 | 27 | 42 | 70 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Expenses + | 13 | 15 | 34 | 27 | 36 | 29 | 39 | 13 | 13 | 14 | 16 | 20 | 46 |
| Financing Profit | 1 | 5 | -5 | 6 | 3 | 6 | 5 | 2 | 2 | 8 | 11 | 22 | 25 |
| Financing Margin % | 11% | 26% | -16% | 17% | 8% | 17% | 12% | 15% | 14% | 37% | 40% | 53% | 35% |
| Other Income + | 0 | 0 | 74 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 2 | 6 | 69 | 6 | 4 | 6 | 6 | 3 | 2 | 8 | 11 | 22 | 25 |
| Tax % | 55% | 23% | 26% | 25% | -34% | 22% | 40% | 19% | 47% | 26% | 26% | 25% | 31% |
| Net Profit + | 1 | 4 | 51 | 5 | 5 | 5 | 3 | 2 | 1 | 6 | 8 | 17 | 17 |
| EPS in Rs | 0.04 | 0.23 | 2.69 | 0.25 | 0.25 | 0.27 | 0.18 | 0.11 | 0.06 | 0.31 | 0.43 | 0.88 | 0.92 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Financials of U. Y. Fincorp
Annual income statement trend
| 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 + | 181 | 25 | 26 | 24 | 20 | 18 | 15 | 85 | 57 | 197 | 113 | 162 |
| Interest | 3 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 1 | 1 |
| Expenses + | 170 | 9 | 8 | 7 | 3 | 13 | 2 | 79 | 45 | 112 | 94 | 94 |
| Financing Profit | 9 | 16 | 18 | 17 | 17 | 5 | 13 | 4 | 11 | 85 | 18 | 67 |
| Financing Margin % | 5% | 64% | 70% | 70% | 83% | 26% | 84% | 5% | 20% | 43% | 16% | 42% |
| Other Income + | 0 | -3 | 0 | 0 | -10 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 |
| Profit before tax | 9 | 13 | 18 | 16 | 6 | 5 | 13 | 4 | 11 | 84 | 17 | 67 |
| Tax % | 33% | 43% | 37% | 30% | 33% | 40% | 24% | 24% | 30% | 23% | 31% | 28% |
| Net Profit + | 6 | 7 | 11 | 12 | 4 | 3 | 9 | 3 | 8 | 65 | 12 | 48 |
| EPS in Rs | 0.30 | 0.38 | 0.60 | 0.61 | 0.21 | 0.14 | 0.50 | 0.17 | 0.41 | 3.41 | 0.62 | 2.54 |
| Dividend Payout % | 0% | 0% | 0% | 8% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Financials of U. Y. Fincorp
Capital structure and asset base
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 95 | 95 | 95 | 95 | 95 | 95 | 95 | 95 | 95 | 95 | 95 | 95 |
| Reserves | 119 | 127 | 138 | 149 | 150 | 137 | 147 | 150 | 158 | 223 | 235 | 294 |
| Borrowing | 0 | 0 | 0 | 0 | 0 | 8 | 14 | 14 | 1 | 1 | 6 | 3 |
| Other Liabilities + | 2 | 2 | 2 | 3 | 15 | 28 | 28 | 44 | 41 | 8 | 10 | 31 |
| Total Liabilities | 216 | 224 | 235 | 248 | 260 | 269 | 284 | 304 | 295 | 327 | 345 | 423 |
| Fixed Assets + | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 6 | 4 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 42 | 39 | 37 | 34 | 36 | 46 | 47 | 49 | 35 | 19 | 21 | 17 |
| Other Assets + | 174 | 184 | 197 | 212 | 223 | 221 | 236 | 254 | 259 | 307 | 319 | 403 |
| Total Assets | 216 | 224 | 235 | 248 | 260 | 269 | 284 | 304 | 295 | 327 | 345 | 423 |
Financials of U. Y. Fincorp
Operating, investing and financing cash movement
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -56 | 3 | 1 | -9 | 3 | 15 | 5 | -5 | -3 | -18 | 7 | |
| Cash from Investing Activity + | -4 | 4 | 2 | 2 | -3 | -24 | 0 | 0 | 0 | 19 | 6 | |
| Cash from Financing Activity + | 58 | -0 | 0 | 0 | -1 | 8 | 5 | -1 | -0 | -0 | -5 | |
| Net Cash Flow | -3 | 7 | 3 | -7 | -1 | -2 | 9 | -6 | -4 | 0 | 7 | |
| Free Cash Flow | -57 | 3 | 0 | -9 | 3 | 16 | 5 | -5 | -3 | -18 | 13 | |
| CFO/OP | -464% | 65% | 33% | -18% | 52% | 297% | 59% | -18% | -14% | -9% | 81% |
Financials of U. Y. Fincorp
Working capital efficiency and return ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 4% | 4% | 5% | 5% | 2% | 1% | 4% | 1% | 3% | 23% | 4% | 13% |
Despite competitive intensity, Muthoot Finance has demonstrated growth; Q1 saw about 6% growth (~INR 9,000 crores). Key concall takeaways from Muthoot Finance…
The company has already seen wheels AUM growth at 11%-12% and non-wheels at 28%-30% in recent quarters. Key concall takeaways from Mahindra & Mahindra…
Personal loans are growing fastest, with 5%-10% month-on-month growth. Key concall takeaways from Akiko Global Services Ltd's Q1 FY27 earnings call — and how…
Care Homes occupancy is improving steadily (e.g., Bannerghatta from 37% to 41%), with potential expansion plans in late FY27. Key concall takeaways from Max…