Arthneeti

Unifinz Capital India Share Price & Earnings Call Analysis

₹132.10+0.76% today
Market cap
₹585 Cr
P/E
7.43
ROE
72.11%
PEG
0.02
Price to sales
0.83
Debt to equity
2.62
52W high / low
₹648 / ₹61.0
Sales growth (5Y)
236.85%
EBITDA margin
25.48%
Net profit margin
17.03%
Promoter holding
19.84%
Sales (last year)
₹713 Cr

Incorporated in 1982, Unifinz Capital India Limited is a RBI registered NBFC. The Company commenced its retail lending operations under the Lendingplate brand in Mar'22, offering digital lending solutions to retail borrowers.

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
See all potential multibaggersWhere does Unifinz Capital rank?

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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 Unifinz Capital

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

Shareholder Pattern

Unifinz Capital

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +71.85%70.44%70.44%66.58%33.83%24.98%24.98%24.93%24.64%24.64%19.84%19.84%
FIIs +0.00%0.00%0.00%0.00%0.00%11.29%11.29%11.29%11.29%11.29%11.29%11.29%
DIIs +0.00%0.00%0.00%0.00%0.00%8.47%8.58%8.58%8.56%8.70%8.70%8.70%
Public +28.14%29.55%29.55%33.42%66.17%55.24%55.15%55.19%55.50%55.37%60.17%60.18%
No. of Shareholders2713393193614165035578192,1992,0402,0351,879

Financials of Unifinz Capital

Quarterly Results

Quarter-by-quarter operating performance

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue +49891524374583129148152180
Interest0111112239111223
Expenses +478811152734578798116133
Financing Profit-11-1-037992333382424
Financing Margin %-13%13%-16%-4%18%29%23%20%27%26%26%16%13%
Other Income +0000000100000
Depreciation0000000100000
Profit before tax-11-1-137892233382423
Tax %-26%27%-25%-55%34%26%26%20%25%27%29%19%25%
Net Profit +-11-1-025671724271917
EPS in Rs-0.330.44-0.68-0.151.062.951.881.673.795.436.114.343.92
Gross NPA %
Net NPA %

Financials of Unifinz Capital

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +00011112930122512609
Interest000000001473655
Expenses +0001111182787358435
Financing Profit0001-0011-0-128118119
Financing Margin %0%17%0%50%-15%0%46%54%-3%-3%23%23%20%
Other Income +00000000000-00
Depreciation0000000011111
Profit before tax0001-0011-1-227117118
Tax %50%27%0%11%15%-35%-34%25%26%
Net Profit +0000-0001-1-1208788
EPS in Rs-0.060.000.310.67-0.35-0.734.5319.6819.80
Dividend Payout %57%0%0%0%0%0%0%2%3%

Financials of Unifinz Capital

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital0.24113333333944
Reserves100111322169120
Borrowing0111111162734278
Other Liabilities +00020000681337
Total Liabilities122755761739125479
Fixed Assets +000000005433
CWIP000000000000
Investments0000012000150
Other Assets +122744561235107476
Total Assets122755761739125479

Financials of Unifinz Capital

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 +-0-3-1-0-1-0-4-16-29-190
Cash from Investing Activity +002011-0-0-1614
Cash from Financing Activity +-03-1-00-041752208
Net Cash Flow-0-01-101-10732
Free Cash Flow-0-3-1-0-1-0-5-16-30-192

Financials of Unifinz Capital

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %0%1%0%18%-3%0%10%19%-11%-27%49%72%
80out of 100

Momentum score · price trend

80 out of 100 — Strengthening

Over the past year its share price has done better than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months+27.5%77%
Last 6 months+27.5%81%
Last 3 months+9.9%82%
How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Unifinz Capital: 0.4 × 77 + 0.4 × 81 + 0.2 × 82 = 80.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 16 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

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