---
title: "U. Y. Fincorp Ltd (UYFINCORP) — Share Price, Financials & Analysis"
symbol: "UYFINCORP"
company: "U. Y. Fincorp Ltd"
canonical: "https://tapetide.com/stocks/UYFINCORP"
isin: "INE152C01025"
nse_symbol: "UYFINCORP"
bse_code: "530579"
sector: "Financial Services"
industry: "Finance"
market_cap_cr: 370.96
generated_at: "2026-09-13T19:17:19.736Z"
---

# U. Y. Fincorp Ltd (UYFINCORP)

Canonical page: https://tapetide.com/stocks/UYFINCORP

## Company

- **NSE Symbol:** UYFINCORP
- **BSE Code:** 530579
- **ISIN:** INE152C01025
- **Sector:** Financial Services
- **Industry:** Finance
- **Macro Sector:** Financial Services
- **Stock Type:** EQUITY
- **Listed Since:** 2024-10-03
- **CEO:** Mr. Udai Kothari
- **Employees:** 26
- **Face Value:** ₹5
- **F&O Eligible:** No
- **Website:** uyfincorp.com

## About

Incorporated in 1993, U. Y. Fincorp Ltd is
 in the business of Financial and Related Services[1]

## Latest Price

- **Price:** ₹19.74
- **Change:** +0.43 (+2.23%)
- **Open:** ₹19.31
- **Day High:** ₹20
- **Day Low:** ₹19
- **Previous Close:** ₹19.31
- **Volume:** 105430
- **As Of:** 2026-09-11T09:59:12+00:00

## Key Fundamentals

Observed at 2026-09-11T04:49:29.654474Z.

- **Market Cap:** ₹370.96 Cr
- **Classification:** Microcap
- **P/E (reported):** 5.9
- **P/E (TTM):** 6.06
- **EPS (TTM):** ₹3.26
- **Book Value:** ₹20.45
- **Price to Book:** 0.94
- **Dividend Yield:** 0%
- **ROE:** 1.32%
- **ROCE:** 2.08%
- **Debt to Equity:** 0.06
- **Revenue (yearly):** ₹84.9 Cr
- **Net Income:** ₹3.2 Cr
- **EBITDA:** ₹5.5 Cr
- **52-Week High:** ₹22.34
- **52-Week Low:** ₹11.5
- **RSI (14):** 46.91

## Tapetide Score

- **Score:** 57 / 100
- **Score date:** 2026-09-04
- **Archetype:** Quality at a Reasonable Price
- **What it means:** Financial strength is not being paid for with a demanding multiple. The question worth asking is whether the quality is durable or reflects a good patch — check the consistency of returns over several years rather than the latest quarter.
- **Pillar profile:** Quality: Good · Valuation: Cheap · Momentum: Rising
- **Percentile:** 77.8 (of 4473 scored stocks)
- **Confidence:** 94%
- **Data coverage:** 88%

| Pillar | Score | Weight |
| --- | --- | --- |
| financial health | 22.16 | 9% |
| growth | 93.4 | 9% |
| momentum | 96.4 | 12% |
| ownership | 50 | 24% |
| quality | 61.67 | 22% |
| valuation | 65.23 | 24% |

The Tapetide Score is decision-support only, not investment advice.

## Key Insights

### Strengths

- Company has reduced debt.
- Company is almost debt free.
- Stock is trading at 0.97 times its book value
- Company is expected to give good quarter
- Company has delivered good profit growth of 38.4% CAGR over last 5 years
- Company's working capital requirements have reduced from 84.7 days to 28.1 days

### Weaknesses

- Though the company is reporting repeated profits, it is not paying out dividend
- Company has a low return on equity of 12.9% over last 3 years.

## Growth Rates

| Metric | QoQ | 1Y | 3Y | 5Y |
| --- | --- | --- | --- | --- |
| cash flow growth | — | -369.73% | -170.64% | -25.8% |
| ebitda margin growth | — | -92.7% | -78.37% | -84.45% |
| net income growth | 983.33% | -66.32% | 84% | 38% |
| revenue growth | 79.8% | 466% | 41% | 61% |
| roce | — | -60.9% | -8.77% | 3.74% |
| roe | — | -67.16% | 2.19% | -72.09% |

## Financial Statements

### Quarterly Results

All figures in ₹ crore unless the row name says otherwise.

| Item | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Revenue | 29 | 33 | 39 | 36 | 45 | 15 | 15 | 22 | 27 | 42 | 70 | 73 |
| Expenses | 34 | 27 | 36 | 29 | 39 | 13 | 13 | 14 | 16 | 20 | 46 | 46 |
| Financing Profit | -5 | 6 | 3 | 6 | 5 | 2 | 2 | 8 | 11 | 22 | 25 | 26 |
| Financing Margin % | -16 | 17 | 8 | 17 | 12 | 15 | 14 | 37 | 40 | 53 | 35 | 36 |
| Other Income | 74 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 0 |
| Interest | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 69 | 6 | 4 | 6 | 6 | 3 | 2 | 8 | 11 | 22 | 25 | 26 |
| Tax % | 26 | 25 | -34 | 22 | 40 | 19 | 47 | 26 | 26 | 25 | 31 | 24 |
| Net Profit | 51 | 5 | 5 | 5 | 3 | 2 | 1 | 6 | 8 | 17 | 17 | 20 |
| EPS in Rs | 2.69 | 0.25 | 0.25 | 0.27 | 0.18 | 0.11 | 0.06 | 0.31 | 0.43 | 0.88 | 0.92 | 1.03 |

### Profit & Loss

All figures in ₹ crore unless the row name says otherwise.

| Item | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Revenue | 24 | 20 | 18 | 15 | 85 | 57 | 197 | 113 | 162 | 212 |
| Expenses | 7 | 3 | 13 | 2 | 79 | 45 | 112 | 94 | 94 | 128 |
| Financing Profit | 17 | 17 | 5 | 13 | 4 | 11 | 85 | 18 | 67 | 84 |
| Financing Margin % | 70 | 83 | 26 | 84 | 5 | 20 | 43 | 16 | 42 | 40 |
| Other Income | 0 | -10 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 |
| Interest | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 1 | 1 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 2 |
| Profit before tax | 16 | 6 | 5 | 13 | 4 | 11 | 84 | 17 | 67 | 84 |
| Tax % | 30 | 33 | 40 | 24 | 24 | 30 | 23 | 31 | 28 | — |
| Net Profit | 12 | 4 | 3 | 9 | 3 | 8 | 65 | 12 | 48 | 62 |
| EPS in Rs | 0.61 | 0.21 | 0.14 | 0.5 | 0.17 | 0.41 | 3.41 | 0.62 | 2.54 | 3.26 |
| Dividend Payout % | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |

### Balance Sheet

All figures in ₹ crore unless the row name says otherwise.

| Item | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Equity Capital | 95 | 95 | 95 | 95 | 95 | 95 | 95 | 95 | 95 | 95 |
| Reserves | 138 | 149 | 150 | 137 | 147 | 150 | 158 | 223 | 235 | 294 |
| Borrowing | 0 | 0 | 0 | 8 | 14 | 14 | 1 | 1 | 6 | 3 |
| Other Liabilities | 2 | 3 | 15 | 28 | 28 | 44 | 41 | 8 | 10 | 31 |
| Total Liabilities | 235 | 248 | 260 | 269 | 284 | 304 | 295 | 327 | 345 | 423 |
| Fixed Assets | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 6 | 4 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 37 | 34 | 36 | 46 | 47 | 49 | 35 | 19 | 21 | 17 |
| Other Assets | 197 | 212 | 223 | 221 | 236 | 254 | 259 | 307 | 319 | 403 |
| Total Assets | 235 | 248 | 260 | 269 | 284 | 304 | 295 | 327 | 345 | 423 |

### Cash Flow

All figures in ₹ crore unless the row name says otherwise.

| Item | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Cash from Operating Activity | 1 | -9 | 3 | 15 | 5 | -5 | -3 | -18 | 7 | -5 |
| Cash from Investing Activity | 2 | 2 | -3 | -24 | 0 | 0 | 0 | 19 | 6 | 1 |
| Cash from Financing Activity | 0 | 0 | -1 | 8 | 5 | -1 | 0 | 0 | -5 | -3 |
| Net Cash Flow | 3 | -7 | -1 | -2 | 9 | -6 | -4 | 0 | 7 | -7 |
| Free Cash Flow | 0 | -9 | 3 | 16 | 5 | -5 | -3 | -18 | 13 | -4 |
| CFO/OP | 33 | -18 | 52 | 297 | 59 | -18 | -14 | -9 | 81 | -13 |

### Ratios

| Item | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ROE % | 5 | 5 | 2 | 1 | 4 | 1 | 3 | 23 | 4 | 13 |

## Shareholding Pattern

### Quarterly

| Category | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Promoters | 70.87% | 71.38% | 71.38% | 71.38% | 71.38% | 71.38% | 71.38% | 71.38% | 71.38% | 71.38% | 71.38% | 71.38% |
| FIIs | 0% | 0% | 0% | 0% | 0% | 0.01% | 0.05% | 0.05% | 0.72% | 0.68% | 0.06% | 0.06% |
| DIIs | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Government | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Public | 15.67% | 15% | 16.07% | 16% | 16.1% | 16.38% | 16.28% | 16.34% | 19.39% | 19.82% | 20.66% | 20.93% |
| Others | 13.46% | 13.62% | 12.55% | 12.62% | 12.52% | 12.23% | 12.29% | 12.23% | 8.52% | 8.12% | 7.91% | 7.63% |
| No. of Shareholders | 6881 | 8239 | 15869 | 15244 | 15837 | 19386 | 19354 | 19081 | 21165 | 20379 | 19802 | 19353 |

## Technical Indicators

Derived from daily closing prices and recomputed each trading session; values move with the market.

- **Overall Signal:** Buy
- **Buy / Neutral / Sell:** 9 / 7 / 3

### Moving Averages — summary: **Strong Buy**

| Indicator | Value | Signal |
| --- | --- | --- |
| SMA (10) | 19.63 | Buy |
| EMA (10) | 19.68 | Buy |
| SMA (20) | 19.93 | Sell |
| EMA (20) | 19.69 | Buy |
| SMA (50) | 18.94 | Buy |
| EMA (50) | 18.79 | Buy |
| SMA (100) | 16.69 | Buy |
| EMA (100) | 17.42 | Buy |
| SMA (200) | 15.26 | Buy |
| EMA (200) | 16.51 | Buy |

### Oscillators — summary: **Sell**

| Indicator | Value | Signal |
| --- | --- | --- |
| RSI (14) | 52.11 | Neutral |
| MACD (12,26,9) | 0.12 | Sell |
| Stochastic (14,3,3) | 29.09 | Neutral |
| ADX (14) | 17.31 | Neutral |
| Williams %R (14) | -57.79 | Neutral |
| ATR (14) | 0.99 | High Volatility |
| ROC (12) | -1.89 | Sell |
| Stoch RSI (14) | 48.25 | Neutral |
| UO (7,14,28) | 40.26 | Neutral |

## Filings & Documents

### Exchange Filings & Announcements

| Date | Document |
| --- | --- |
| 2026-09-10 | [Announcement under Regulation 30 (LODR)-Newspaper Publication](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=0e8f5ad7-15a4-4f04-b2d0-f7df144bdd81.pdf) |
| 2026-09-08 | [33Rd Annual General Meeting (AGM) Of U. Y. Fincorp Limited To Be Held On Wednesday 30Th September 2026 At 11:30 A.M. (IST) Through Video Conferencing ("VC") / Other Audio Visual Means](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=70466f75-2b40-46c4-bfde-481a7862fc78.pdf) |
| 2026-09-08 | [Reg. 34 (1) Annual Report.](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=cc8b4134-60f7-44a7-89c9-5d41d6a26c5e.pdf) |
| 2026-09-05 | [Outcome Of Board Meeting](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=f035c7bc-bb1f-4ea8-b5e4-19eb3828f700.pdf) |
| 2026-08-20 | [Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=2FC644B4_C4F0_4D2B_A80A_7431C126DE00_155139.pdf) |
| 2026-08-20 | [Disclosure Under Regulation 7(2)(B) Of SEBI (Prohibition Of Insider Trading) Regulations 2015](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=ec6c8b25-9b14-4302-8d6d-f19ef17890c2.pdf) |
| 2026-08-18 | [Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=D04B6CE3_1693_4D34_BFA5_701AC803C44F_151858.pdf) |
| 2026-08-12 | [Announcement under Regulation 30 (LODR)-Newspaper Publication](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=fbbf2ca4-3ce1-45d0-bf05-7829bae034f9.pdf) |
| 2026-08-04 | [Board Meeting Intimation for Notice Of Board Meeting](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=a7dd619c-9728-480e-acd8-08d439f2bc09.pdf) |
| 2026-08-04 | [Closure of Trading Window](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=e52d0730-4504-4b03-a4c9-10c7b434c2e2.pdf) |

### Results & Financial Statements

| Date | Document |
| --- | --- |
| 2026-08-10 | [Unaudited Financial Results For The Quarter And Three Months Ended On 30Th June 2026.](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=433950e6-7151-48ff-9e15-1237a7f2a0b3.pdf) |
| 2026-05-27 | [Audited Financial Results For The Quarter And Financial Year Ended On 31St March 2026.](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=f274eae3-bd8d-491c-8ba3-1e386c68d00b.pdf) |
| 2026-02-04 | [Integrated Filing (Unaudited Financial Results) For The Quarter And Nine Months Ended 31St December 2025](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=d9b9760d-37f4-4ac9-95bc-4211e2bd2bc9.pdf) |
| 2025-11-07 | [UFR For The Quarter And Half Yearly Ended On 30.09.2025](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=6a5e8886-6075-48a6-8c67-d0759664b404.pdf) |
| 2025-05-22 | [Audited Financial Results As On 31.03.2025](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=54240618-4fe6-4a15-85ca-0e333c8faad7.pdf) |
| 2024-11-14 | [Standalone Unaudited Financial Results For The Quarter And Half Yearly Ended On 30Th September, 2024](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=686d7a1e-e19d-4262-9959-99f52bb4e456.pdf) |
| 2024-08-13 | [Statement Of Unaudited Standalone Financial Results For The Quarter And Three Months Ended 30Th June, 2024](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=3eda773e-a962-4513-8f0b-4018e8edd027.pdf) |
| 2024-05-15 | [Standalone Audited Financial Results For The Quarter And Year Ended 31St March, 2024.](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=fe1c8fed-9906-49d1-af9e-cea28065ed35.pdf) |
| 2024-02-07 | [Standalone Unaudited Financial Results For The Quarter And Nine Months Ended 31St December, 2023](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=73feb345-8a70-42d2-875f-31b7df6a9f6e.pdf) |
| 2023-11-06 | [UYFL_Standalone Unaudited Financial Results For The Quarter And Half Yearly Ended 30Th September, 2023](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=80946c87-8951-4d6d-a6a3-49387b69a793.pdf) |

### Other Documents

| Date | Document |
| --- | --- |
| 4 Feb - Board approved unaudited standalone results for Q3 and nine months ended Dec 31, 2025; limited review report attached. | [Board Meeting Outcome for Outcome Of Board Meeting 4 Feb - Board approved unaudited standalone results for Q3 and nine months ended Dec 31, 2025; limited review report attached.](https://www.bseindia.com/xml-data/corpfiling/AttachHis/3be7328b-eea8-4d4b-a001-9cf1e4bc89c2.pdf) |
| 4 Feb - Board approved proposal to shift registered office to Maharashtra; approved material RPTs; postal ballot notice (04-Feb-2026). | [Outcome Of Bord Meeting 4 Feb - Board approved proposal to shift registered office to Maharashtra; approved material RPTs; postal ballot notice (04-Feb-2026).](https://www.bseindia.com/xml-data/corpfiling/AttachHis/cf89c728-a000-42ca-beb1-bd00cb55437a.pdf) |
| 13 Apr - U. Y. Fincorp confirms it is not a large corporate as on 31.03.2026. | [Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A 13 Apr - U. Y. Fincorp confirms it is not a large corporate as on 31.03.2026.](https://www.bseindia.com/xml-data/corpfiling/AttachHis/88d6526d-b310-4994-84ca-1ded89a5dd72.pdf) |
| 11 Feb - Newspaper Publication w.r.t. Notice of Postal Ballot and Remote E-Voting information in relation thereto. | [Announcement under Regulation 30 (LODR)-Newspaper Publication 11 Feb - Newspaper Publication w.r.t. Notice of Postal Ballot and Remote E-Voting information in relation thereto.](https://www.bseindia.com/xml-data/corpfiling/AttachHis/2f6f041a-2296-41f1-8d1f-abf78072c18f.pdf) |
| 11 Apr - Submitted RTA confirmation certificate under Regulation 74(5) for quarter ended 31 March 2026. | [Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 11 Apr - Submitted RTA confirmation certificate under Regulation 74(5) for quarter ended 31 March 2026.](https://www.bseindia.com/xml-data/corpfiling/AttachHis/a41c07b1-9816-4d1c-9b78-c0d8bd55e238.pdf) |
| — | [Closure of Trading Window 27 Mar](https://www.bseindia.com/xml-data/corpfiling/AttachHis/1d520557-c4ef-46d8-b5a8-aaaeed5d2590.pdf) |
| — | [Shareholder Meeting / Postal Ballot-Outcome of Postal_Ballot 12 Mar](https://www.bseindia.com/xml-data/corpfiling/AttachHis/8a1848ce-92bf-4b61-88f3-d9262fdb73ea.pdf) |
| — | [Shareholder Meeting / Postal Ballot-Notice of Postal Ballot 9 Feb](https://www.bseindia.com/xml-data/corpfiling/AttachHis/d1605da0-d5ea-4ae1-b786-4d548368544b.pdf) |
| — | [Announcement under Regulation 30 (LODR)-Newspaper Publication 5 Feb](https://www.bseindia.com/xml-data/corpfiling/AttachHis/210cb290-cc1f-4d4f-9c7a-8d01c44bc8e7.pdf) |

### Annual Reports

| Date | Document |
| --- | --- |
| from bse | [Annual Report 2025 from bse](https://www.bseindia.com/xml-data/corpfiling/AttachHis/ecb7a8d3-c6e5-40d7-9fb3-919ed2290be2.pdf) |
| from bse | [Annual Report 2024 from bse](https://www.bseindia.com/xml-data/corpfiling/AttachHis/0a3eac18-4fa0-40b7-8fbd-7c3f03cf0a60.pdf) |
| from bse | [Annual Report 2023 from bse](https://www.bseindia.com/xml-data/corpfiling/AttachHis/5ec7b6c5-3949-4277-884a-7a9182b05191.pdf) |
| from bse | [Annual Report 2022 from bse](https://www.bseindia.com/bseplus/AnnualReport/530579/75545530579.pdf) |
| from bse | [Annual Report 2021 from bse](https://www.bseindia.com/bseplus/AnnualReport/530579/71960530579.pdf) |
| from bse | [Annual Report 2020 from bse](https://www.bseindia.com/bseplus/AnnualReport/530579/67116530579.pdf) |
| from bse | [Annual Report 2019 from bse](https://www.bseindia.com/bseplus/AnnualReport/530579/5305790319.pdf) |
| from bse | [Annual Report 2018 from bse](https://www.bseindia.com/bseplus/AnnualReport/530579/5305790318.pdf) |
| from bse | [Annual Report 2017 from bse](https://www.bseindia.com/bseplus/AnnualReport/530579/5305790317.pdf) |
| from bse | [Annual Report 2016 from bse](https://www.bseindia.com/bseplus/AnnualReport/530579/5305790316.pdf) |

---

Provenance differs by section. Financial statements, shareholding and filings are as reported in company disclosures to NSE/BSE/SEBI. Price, volume and 52-week levels are exchange market data. Technical indicators are computed by Tapetide from daily closing prices. The Tapetide Score is Tapetide's own analysis. Analyst ratings are third-party estimates, not company statements. All figures are for research and information only and are not investment advice. Generated 2026-09-13T19:17:19.736Z.