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Unifinz Capital

541358 BSE
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Unifinz Capital (UCIL) share price was ₹128.10 at the 28 Oct 2026 close; market capitalisation ₹567 Cr; P/E (TTM) 6.47; sector Financial Services. The share price rose 18.4% over the year to 28 Oct 2026 (adjusted for splits and bonuses). In the Jun 2026 quarter, revenue rose 117.1% year on year to ₹180.2 Cr and net profit rose 3.6% year on year to ₹17.4 Cr (compared with Jun 2025). Promoters held 19.84% of Unifinz Capital in Sep 2026, unchanged from Jun 2026. Its Tapetide Score is 65/100 (Good) as of 28 Oct 2026.

Close 28 Oct 2026 ₹128.10 +22.10 +20.85% 1Y

Key Fundamentals

MicrocapFinanceFinancial Services
Market Cap
₹567 Cr
P/E (TTM)
6.47
EBITDA
₹154 Cr
Return on Equity
53.09%
Debt to Equity
1.29
Book Value
₹37.08
EPS (TTM)
₹19.80
52W High
₹146.15
52W Low
₹61.00

Price-based figures as of 28 Oct 2026, 15:30 IST · EPS basis: Standalone · TTM

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

Bajaj Finance
₹925.8026.575,76,399 Cr4.680.66%16.53%10.71%89,874 Cr22,067 Cr
Shriram Finance
₹835.1514.791,96,515 Cr1.760.79%15.18%11.00%51,245 Cr11,318 Cr
Cholamandalam Investment
₹1,560.2023.011,33,290 Cr3.860.14%17.17%9.46%33,147 Cr5,751 Cr
Tata Capital
₹312.6024.291,32,695 Cr2.710.19%10.38%8.56%34,329 Cr5,478 Cr
Muthoot Finance
₹2,450.008.6598,360 Cr2.421.25%26.67%15.43%33,526 Cr11,457 Cr
L&T Finance
₹250.6519.7262,822 Cr2.151.14%10.64%10.11%20,742 Cr3,198 Cr
SBI Cards
₹535.7022.4150,980 Cr2.970.47%13.78%18.31%21,048 Cr2,275 Cr
Unifinz Capital (this company)
—6.47567 Cr3.450.41%53.09%34.54%609 Cr87 Cr
Median 8 companies₹835.1521.071,15,527 Cr2.840.57%15.86%10.86%33,337 Cr5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

65 Good
Overall score

Data confidence 94/100

Category scores

Quality Strong 74
Returns, margins, earnings quality 22% weight
Valuation Good 56
Cheap vs sector & own history 24% weight
Growth Strong 99
Sales & profit trajectory 9% weight
Financial Health Average 54
Solvency, leverage, coverage 9% weight
Momentum Strong 92
Trend strength, vol-adjusted 12% weight
Ownership Average 50
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

4
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 182% CAGR over last 5 years
  • Company has a good return on equity (ROE) track record: 3 Years ROE 64.0%
  • Company's median sales growth is 158% of last 10 years

Weaknesses

2
  • Promoter holding has decreased over last quarter: -4.80%
  • Promoter holding is low: 19.8%

Technical Indicators

Oscillators

Bullish

Bearish
0
Neutral
6
Bullish
3

Overall

Bullish

Bearish
1
Neutral
6
Bullish
12

Moving Averages

Bullish

Bearish
1
Neutral
0
Bullish
9

Growth Rate

Revenue Growth
319% higher than 3Y

change over 1 year

Net Income Growth
333% lower than 3Y

change over 1 year

Cash Flow Change
-550%

change over 1 year

EBITDA Margin Change
5.26%

change over 1 year

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
4
9
8
9
15
24
37
45
83
129
148
152
180
Expenses
4
7
8
8
11
15
27
34
57
87
98
116
133
Financing Profit
-1
1
-1
0
3
7
9
9
23
33
38
24
24
Fin. Margin %
-13%
13%
-16%
-4%
18%
29%
23%
20%
27%
26%
26%
16%
13%
Other Income
0
0
0
0
0
0
0
1
0
0
0
0
0
Interest
0
1
1
1
1
1
2
2
3
9
11
12
23
Depreciation
0
0
0
0
0
0
0
1
0
0
0
0
0
PBT
-1
1
-1
-1
3
7
8
9
22
33
38
24
23
Tax %
-26%
27%
-25%
-55%
34%
26%
26%
20%
25%
27%
29%
19%
25%
Net Profit
-1
1
-1
0
2
5
6
7
17
24
27
19
17
EPS (₹)
-0.33
0.44
-0.68
-0.15
1.06
2.95
1.88
1.67
3.79
5.43
6.11
4.34
3.92
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
0
0
0
1
1
1
1
2
9
30
122
512
609
Expenses
0
0
0
1
1
1
1
1
8
27
87
358
435
Financing Profit
0
0
0
1
0
0
1
1
0
-1
28
118
119
Fin. Margin %
0%
17%
0%
50%
-15%
0%
46%
54%
-3%
-3%
23%
23%
20%
Other Income
0
0
0
0
0
0
0
0
0
0
0
0
0
Interest
0
0
0
0
0
0
0
0
1
4
7
36
55
Depreciation
0
0
0
0
0
0
0
0
1
1
1
1
1
PBT
0
0
0
1
0
0
1
1
-1
-2
27
117
118
Tax %
—
50%
—
27%
0%
—
11%
15%
-35%
-34%
25%
26%
—
Net Profit
0
0
0
0
0
0
0
1
-1
-1
20
87
88
EPS (₹)
—
—
—
—
-0.06
0
0.31
0.67
-0.35
-0.73
4.53
19.68
19.8
Div. Payout %
—
57%
—
0%
0%
—
0%
0%
0%
0%
2%
3%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
0.24
1
1
3
3
3
3
3
3
3
9
44
Reserves
1
0
0
1
1
1
3
2
2
1
69
120
Borrowing
0
1
1
1
1
1
1
1
6
27
34
278
Other Liabilities
0
0
0
2
0
0
0
0
6
8
13
37
Total Liabilities
1
2
2
7
5
5
7
6
17
39
125
479
Fixed Assets
0
0
0
0
0
0
0
0
5
4
3
3
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
0
0
0
0
0
1
2
0
0
0
15
0
Other Assets
1
2
2
7
4
4
5
6
12
35
107
476
Total Assets
1
2
2
7
5
5
7
6
17
39
125
479
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
—
—
0
-3
-1
0
-1
0
-4
-16
-29
-190
Investing
—
—
0
0
2
0
1
1
0
0
-16
14
Financing
—
—
0
3
-1
0
0
0
4
17
52
208
Net Cash Flow
—
—
0
0
1
-1
0
1
-1
0
7
32
Free Cash Flow
—
—
0
-3
-1
0
-1
0
-5
-16
-30
-192
CFO/OP
—
—
-500
-358
807
—
-131
-19
-380
-528
-64
-98
Figures in ₹ Crores

Ratios

Particulars 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%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Unifinz Capital insights

54 extracted metrics + investor summaries across FY09–FY27.

Shareholding Pattern

DIIs8.70%Public48.89%Others11.28%FIIs11.29%Promot.19.84%As ofSep 2026

Documents

Frequently Asked Questions about Unifinz Capital

What does Unifinz Capital India Ltd do?
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.
Where is Unifinz Capital India Ltd (UCIL) listed?
Unifinz Capital India Ltd trades under code 541358 on the BSE.
Which sector does Unifinz Capital India Ltd belong to?
Unifinz Capital India Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Unifinz Capital India Ltd?
Unifinz Capital India Ltd has a market capitalisation of ₹567.09 Cr as of 28 Oct 2026, which places it in the Small Cap band.
What is the PE ratio of Unifinz Capital India Ltd?
Unifinz Capital India Ltd trades at a PE ratio of 6.47 as of 28 Oct 2026, on earnings per share of ₹19.8, against a book value of ₹37.08 per share.
What is the 52-week high and low of Unifinz Capital India Ltd?
Over the last 52 weeks Unifinz Capital India Ltd has traded between ₹61 and ₹146.15 as of 28 Oct 2026.
Does Unifinz Capital India Ltd pay dividends?
Unifinz Capital India Ltd has a dividend yield of 0.39%.
What is the Return on Equity (ROE) of Unifinz Capital India Ltd?
Unifinz Capital India Ltd reported a return on equity of 53.09%. Its debt-to-equity ratio is 1.29.

Company Information

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.

Website lendingplate.com
Listed 2020-10-27
Face Value ₹ 10
Shares Outstanding 4,42,69,586

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