U. Y. Fincorp Limited (UYFINCORP) AI Stock Analysis

• Market Cap: ₹5.75B
• Dividend Yield: N/A
• Average Volume (3M): 30.28K
• Price to Earnings (P/E): 9.3
• Beta (1Y): 0.58
• Revenue Growth: 115.72%
• EPS Growth: 391.07%
• Country: IN
• Employees: 30
• Sector: General
• Sector Strength: N/A
• Industry: Financial - Credit Services
• EPS (TTM): 0.49
• Shares Outstanding: 190,238,340
• 10 Day Avg. Volume: 27,522
• 30 Day Avg. Volume: 30,284
• PEG Ratio: 0.01
• Price to Book (P/B): 0.57
• Price to Sales (P/S): 1.36
• P/FCF Ratio: -48.25
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: ₹33.00 ▲(67.17% Upside)
• Action: Reiterated
• Date: 10/11/26

Positive Factors

Profitability expansion

The sharp FY2026 increase in revenue and margins indicates stronger operating leverage and materially improved earnings power. If the company can sustain a meaningful portion of this performance, the higher profitability should strengthen internal funding capacity and support a more resilient business over the next several quarters.

Negative Factors

Revenue volatility

The abrupt shift from essentially flat or slightly declining revenue in FY2025 to an outsized FY2026 rebound makes the current growth rate less predictable. Uneven performance can complicate planning, weaken confidence in the run-rate, and make future earnings outcomes more dependent on continued execution.

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 ...

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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

UYFINCORP’s revenue model is consistent with an NBFC and generally centers on earning financial income from deploying capital into interest-bearing assets, but company-specific breakdowns are null. Core revenue streams for an NBFC typically includ...

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UYFINCORP’s revenue model is consistent with an NBFC and generally centers on earning financial income from deploying capital into interest-bearing assets, but company-specific breakdowns are null. Core revenue streams for an NBFC typically includ...

U. Y. Fincorp Limited Financial Statement Overview

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	177.35M	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 Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.74
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:UYFINCORP, the sentiment is Positive. The current price of 19.74 is below the 20-day moving average (MA) of 25.02, below the 50-day MA of 21.90, and above the 200-day MA of 16.67, indicating a bullish trend. The MACD of 1.78 indicates Negative momentum. The RSI at 78.33 is Negative, neither overbought nor oversold. The STOCH value of 99.96 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:UYFINCORP.

U. Y. Fincorp Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UYFINCORP	77 Outperform	₹5.75B	9.27	―	―	115.72%	391.07%
STARTECK	66 Neutral	₹2.49B	9.98	―	0.10%	38.86%	100.31%
MANBA	56 Neutral	₹7.31B	14.28	―	0.87%	31.84%	21.53%
Sector *	55 Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
MUTHOOTCAP	55 Neutral	₹3.12B	12.93	―	3.66%	23.27%	-20.85%
MANCREDIT	54 Neutral	₹4.99B	27.61	―	0.32%	48.83%	36.34%

U. Y. Fincorp Limited Corporate Events