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

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U. Y. Fincorp Limited

(NSE:UYFINCORP)

Select Model

Rating:77Outperform

Price Target:INR 34.00▲(12.58% Upside)

Action:reiterated

Date:10/11/26

The score is driven primarily by stronger fundamentals (FY2026 profitability step-up and a very low-debt balance sheet), supported by a low P/E valuation. Technicals are positive with price well above major moving averages and positive MACD, though momentum appears extended (RSI ~71), and free cash flow dropping to zero is the key fundamental risk.

Positive Factors

Profitability ExpansionThe sharp FY2026 improvement in revenue and margins indicates stronger operating leverage and materially higher earnings capacity. If the company can sustain a meaningful portion of this performance, it should have greater internal resources to support lending growth, strengthen equity, and absorb business volatility.

Negative Factors

Earnings Growth VolatilityThe sharp rebound after a subdued FY2025 makes the current growth rate less predictable and raises questions about the durability of the latest run-rate. Uneven expansion can complicate capital planning, increase dependence on strong periods, and make future profitability harder to assess confidently.

U. Y. Fincorp Limited (UYFINCORP) vs. iShares MSCI India ETF (INDA)

Market Cap: INR 5.75B
Dividend Yield: ―
Average Volume (3M): 33.85K
Price to Earnings (P/E): 9.3
Beta (1Y): 0.58
Revenue Growth: 115.72%
EPS Growth: 391.07%
Country: India
Employees: 30
Sector: General
Sector Strength: 55
Industry: Financial - Credit Services

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 to...

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 include:...

U. Y. Fincorp Limited Financial Statement Overview

Summary

Income statement and balance sheet are strong, led by FY2026’s sharp profitability and margin expansion and very low leverage with improving ROE. The main offsets are volatility in growth (FY2026 rebound after a flatter FY2025) and weaker cash conversion, as free cash flow fell to zero despite much higher operating cash flow.

Income Statement

82Very Positive

Balance Sheet

90Very Positive

Cash Flow

56Neutral

Financial statement breakdown
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 SentimentPositive

Last Price30.20

Price Trends

50DMA21.90Positive

100DMA19.44Positive

200DMA16.67Positive

Market Momentum

MACD1.78Negative

RSI78.33Negative

STOCH99.96Negative

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 30.20 is above the 20-day moving average (MA) of 25.02, above 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

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IN:UYFINCORP against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IN:UYFINCORP	77Outperform	INR 5.75B	9.27	―	―	115.72%	391.07%
IN:STARTECK	71Outperform	INR 2.49B	9.98	―	0.10%	38.86%	100.31%
IN:MANBA	56Neutral	INR 7.31B	14.28	―	0.87%	31.84%	21.53%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IN:MANCREDIT	48Neutral	INR 4.99B	27.61	―	0.32%	48.83%	36.34%
IN:MUTHOOTCAP	41Neutral	INR 3.12B	12.93	―	―	23.27%	-20.85%

* General Sector Average

Performance Comparison

IN:UYFINCORP and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IN:UYFINCORP	U. Y. Fincorp Limited	30.20	14.71	94.96%
IN:ASCOM	Ascom Leasing & Investments Ltd.	187.45	-5.37	-2.78%
IN:MANBA	Manba Finance Limited	145.60	2.40	1.67%
IN:MANCREDIT	Mangal Credit & Fincorp Ltd.	236.20	53.73	29.45%
IN:MUTHOOTCAP	Muthoot Capital Services Ltd.	189.85	-92.10	-32.67%
IN:STARTECK	Starteck Finance Ltd.	250.95	-45.36	-15.31%

U. Y. Fincorp Limited Corporate Events

U. Y. Fincorp Appoints Martin Capital Advisors for Investor and Public Relations

Oct 17, 2026

U. Y. Fincorp Limited has appointed M/s Martin Capital Advisors as its Investor Relations and Public Relations advisory agency, effective October 17, 2026. The mandate covers investor relations advisory and public relations support, signaling the com...

U. Y. Fincorp Sets September 30, 2026 for 33rd AGM, Releases 2025-26 Annual Report

Sep 8, 2026

U. Y. Fincorp Limited, formerly Golden Goenka Fincorp Limited, is an India-based financial services company listed on BSE and NSE, with key operations supported from Kolkata and Mumbai. It services its equity investors through established registrar a...

U. Y. Fincorp Sets Book Closure for AGM, Files 2025-26 Annual Report

Sep 8, 2026

U. Y. Fincorp Limited has announced the book closure dates for its equity shares from 24 September 2026 to 30 September 2026, ahead of its 33rd Annual General Meeting scheduled for 31 September 2026. The company has also submitted its Annual Report f...

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.

Date of analysis: Oct 11, 2026

U. Y. Fincorp Limited AI Stock Analysis

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