UY Fincorp

₹27.7 -0.1 | 0.4%

WEBSITE BSE:530579 NSE : UYFINCORP 18 May, 12:50

Market Cap ₹527 Cr.

Stock P/E 8.1

P/B 1.7

Current Price ₹27.7

Book Value ₹ 16.7

Face Value 5

52W High ₹36.5

Dividend Yield 0%

52W Low ₹ 18.7

Edit Ratio

UY Fincorp Research see more...

Overview Inc. Year: 1993Industry: Finance - NBFC

UY Fincorp Ltd is a dynamic financial services company specializing in providing comprehensive solutions for individuals and businesses. With a strong focus on innovation and customer-centricity, UY Fincorp offers a wide range of financial products and services designed to meet the diverse needs of its clients. The company prides itself on its expertise in areas such as wealth management, investment advisory, insurance, and lending. It strives to deliver personalized financial strategies and solutions that align with the unique goals and aspirations of its clients. UY Fincorp boasts a team of seasoned professionals who possess deep industry knowledge and a commitment to excellence. Their expertise, coupled with advanced technology-driven platforms, enables the company to deliver efficient and reliable services, ensuring optimal financial outcomes for its clients. Committed to transparency and ethical practices, UY Fincorp adheres to rigorous compliance standards, fostering trust and confidence among its stakeholders. With a track record of success and a forward-thinking approach, UY Fincorp is poised to continue its growth and make a positive impact in the financial services sector.

UY Fincorp Share Price

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Peer Comparison

UY Fincorp Quarterly Results

#(Fig in Cr.)	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Operating Revenue	6	6	7	4	17	14	21	29	33	39
Other Income	0	0	0	-0	0	0	0	74	1	0
Total Income	6	6	7	4	17	14	21	103	34	40
Total Expenditure	1	1	2	3	14	13	15	34	27	36
Operating Profit	5	5	5	1	3	2	6	69	6	4
Interest Expense	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	5	5	5	1	3	2	6	69	6	4
Provision for Tax	2	2	2	-0	1	1	1	18	2	-1
Profit After Tax	4	4	4	1	2	1	4	51	5	5
Adjustments	-4	-4	-4	-1	0	0	0	0	0	0
Profit After Adjustments	0	0	0	0	2	1	4	51	5	5
Adjusted Earnings Per Share	0.2	0.2	0.2	0	0.1	0	0.2	2.7	0.2	0.2

UY Fincorp Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	76	13	181	25	26	24	20	17	14	84	56	122
Other Income	0	0	0	0	0	0	0	1	1	1	2	75
Total Income	77	13	181	25	26	24	20	18	15	85	57	198
Total Expenditure	66	6	170	9	8	7	3	13	2	79	46	112
Operating Profit	10	7	11	16	18	17	17	5	13	6	12	85
Interest Expense	7	7	3	0	0	0	0	1	1	1	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	3	1	9	13	18	16	6	5	13	4	11	85
Provision for Tax	1	0	3	6	7	5	2	2	3	1	3	20
Profit After Tax	2	1	6	7	11	12	4	3	9	3	8	65
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	2	1	6	7	11	12	4	3	9	3	8	65
Adjusted Earnings Per Share	0.3	0.1	0.3	0.4	0.6	0.6	0.2	0.1	0.5	0.2	0.4	3.3

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	-33%	49%	18%	-3%
Operating Profit CAGR	100%	34%	-7%	2%
PAT CAGR	167%	39%	-8%	15%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	41%	93%	62%	13%
ROE Average	3%	3%	2%	3%
ROCE Average	4%	4%	3%	5%

UY Fincorp Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	92	100	214	222	233	245	245	233	242	245	253
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	50	50	0	0	0	0	0	9	14	14	1
Current Liability	12	5	5	10	11	13	0	2	2	5	1
Other Liabilities & Provisions	1	1	1	1	1	3	11	20	20	30	30
Total Liabilities	155	156	220	233	245	260	256	263	278	294	285
Loans	59	58	10	1	2	0	0	0	0	0	0
Investments	19	41	42	39	37	34	36	46	47	49	35
Fixed Assets	1	1	0	0	1	1	1	1	1	1	1
Other Loans	3	3	3	0	0	0	0	0	0	0	0
Other Non Current Assets	18	8	0	0	0	0	0	0	0	0	0
Current Assets	56	46	165	192	206	225	219	215	230	245	249
Total Assets	155	156	220	233	245	260	256	263	278	294	285

UY Fincorp Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	3	0	3	0	7	10	3	2	1	10	4
Cash Flow from Operating Activities	-56	24	-56	3	1	-9	3	15	5	-5	-3
Cash Flow from Investing Activities	-10	-22	-4	4	2	2	-3	-24	0	-0	0
Cash Flow from Financing Activities	63	-0	58	-0	-0	0	-1	8	5	-1	-0
Net Cash Inflow / Outflow	-2	3	-3	7	3	-7	-1	-2	9	-6	-4
Closing Cash & Cash Equivalent	0	3	0	7	10	3	2	1	10	4	0

UY Fincorp Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	0.29	0.11	0.3	0.38	0.6	0.61	0.21	0.14	0.5	0.17	0.41
CEPS(Rs)	0.3	0.13	0.31	0.39	0.6	0.61	0.22	0.15	0.5	0.18	0.42
DPS(Rs)	0.2	0	0	0	0	0.05	0	0	0	0	0
Book NAV/Share(Rs)	13.52	14.42	11.27	11.65	12.25	12.86	12.86	12.22	12.72	12.89	13.3
Net Profit Margin	2.63	5.54	3.18	29.87	43.85	48.84	20.11	15.97	67.86	3.84	13.94
Operating Margin	13.25	55.63	6.19	52.72	69.85	69.86	30.04	30.73	95.15	6.42	20.57
PBT Margin	3.51	6.41	4.74	52.72	69.85	69.86	30.04	26.59	89.63	5.08	19.99
ROA(%)	1.67	0.47	3.06	3.23	4.76	4.56	1.56	1.06	3.51	1.12	2.67
ROE(%)	3.31	0.76	3.67	3.36	5	4.82	1.64	1.15	4	1.32	3.11
ROCE(%)	8.61	4.91	6.16	5.92	7.97	6.9	2.46	2.18	5.35	2.09	4.45
Price/Earnings(x)	27.16	90.15	13.63	10.37	10.54	11.7	18.86	10.87	6.36	85.08	31.93
Price/Book(x)	0.59	0.66	0.37	0.34	0.51	0.55	0.31	0.13	0.25	1.11	0.98
Dividend Yield(%)	2.41	0	0	0	0	0.71	0	0	0	0	0
EV/Net Sales(x)	1.45	8.52	0.41	2.8	4.23	5.58	3.69	2.19	4.61	3.39	4.47
EV/Core EBITDA(x)	10.89	15.01	6.53	4.35	6.02	7.91	4.42	6.96	4.8	51.23	21.33
Interest Earned Growth(%)	-20.47	-82.67	1270.51	-86.46	5.87	-9.12	-15.14	-13.98	-18.75	498.24	-33.58
Net Profit Growth	116.93	-63.44	687.97	26.95	55.41	1.23	-65.05	-31.68	245.18	-66.14	141.05
EPS Growth(%)	12.6	-63.85	185.82	26.95	55.4	1.23	-65.05	-31.69	245.19	-66.14	141.03
Interest Coverage(x) %	1.36	1.13	4.27	0	0	0	0	7.42	17.22	4.8	35.32

UY Fincorp Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	61.47	65.52	67.98	68.31	68.41	70.5	70.5	70.87	71.38	71.38
FII	0	0	0	0	0	0	0	0	0	0
DII	0	0	0	0	0	0	0	0	0	0
Public	38.53	34.48	32.01	31.69	31.59	29.5	29.5	29.13	28.62	28.62
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	11.69	12.46	12.93	13	13.01	13.41	13.41	13.48	13.58	13.58
FII	0	0	0	0	0	0	0	0	0	0
DII	0	0	0	0	0	0	0	0	0	0
Public	7.33	6.56	6.09	6.03	6.01	5.61	5.61	5.54	5.45	5.45
Others	0	0	0	0	0	0	0	0	0	0
Total	19.02	19.02	19.02	19.02	19.02	19.02	19.02	19.02	19.02	19.02

Pros

Company has reduced debt.
Company is almost debt free.

Cons

Company has a low return on equity of 3% over the last 3 years.
The company has delivered a poor profit growth of -7% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.