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U. Y. Fincorp Limited
(UYFINCORP)
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Rating:79Outperform
Price Target:
₹27.00
▲(36.78% Upside)
Action:Reiterated
Date:07/24/26
The score is led by strong financial performance (sharp FY2026 profitability and scale improvement plus very low leverage) and supportive technical trend strength. Offsetting factors are weaker cash conversion (free cash flow fell to zero) and overbought technical readings that raise near-term downside risk, while valuation remains a positive due to the low P/E.
Positive Factors
Scale and Profitability Growth
The sharp FY2026 expansion in revenue and margins indicates substantially stronger operating performance and improved earnings capacity. If the higher run-rate persists, it can strengthen internal reinvestment ability and support more durable profitability over the next several quarters.
Negative Factors
Free Cash Flow Conversion
Despite stronger operating cash flow, zero free cash flow reduced the cash available after reinvestment or working-capital effects. If this pattern persists, it could constrain shareholder distributions and internally funded growth, making reported profitability less consistently convertible into usable cash.
Read all positive and negative factors
Positive Factors
Negative Factors
Scale and Profitability Growth
The sharp FY2026 expansion in revenue and margins indicates substantially stronger operating performance and improved earnings capacity. If the higher run-rate persists, it can strengthen internal reinvestment ability and support more durable profitability over the next several quarters.
Read all positive factors
U. Y. Fincorp Limited (UYFINCORP) vs. iShares MSCI India ETF (INDA)
Market Cap
₹4.33B
Dividend YieldN/A
Average Volume (3M)21.55K
Price to Earnings (P/E)7.3
Beta (1Y)0.42
Revenue Growth115.72%
EPS Growth391.07%
CountryIN
Employees30
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.49
Shares Outstanding190,238,340
10 Day Avg. Volume44,802
30 Day Avg. Volume21,548
Financial Highlights & Ratios
PEG Ratio0.01
Price to Book (P/B)0.57
Price to Sales (P/S)1.36
P/FCF Ratio-48.25
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 ...
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...
U. Y. Fincorp Limited Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
90
Very Positive
Cash Flow
56
Neutral
| 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
Positive
19.74
Price Trends
20.23
Positive
17.80
Positive
15.81
Positive
Market Momentum
0.99
Negative
71.13
Negative
77.12
Neutral
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 20.60, below the 50-day MA of 20.23, and above the 200-day MA of 15.81, indicating a bullish trend. The MACD of 0.99 indicates Negative momentum. The RSI at 71.13 is Negative, neither overbought nor oversold. The STOCH value of 77.12 is Neutral, 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | ₹4.33B | 7.27 | ― | ― | 115.72% | 391.07% | |
72 Outperform | ₹7.16B | 15.10 | ― | 0.86% | 30.68% | 15.32% | |
66 Neutral | ₹2.63B | 10.74 | ― | 0.10% | 38.86% | 100.31% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ₹3.55B | 14.25 | ― | 3.66% | 23.27% | -20.85% | |
54 Neutral | ₹5.13B | 26.03 | ― | 0.34% | 48.83% | 36.34% |
* General Sector Average
IN:UYFINCORP
U. Y. Fincorp Limited
23.79
8.95
60.31%
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U. Y. Fincorp Limited Corporate Events
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 registra...
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 Repor...
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.