UY Fincorp Ltd - Stock Valuation and Financial Performance

BSE: 530579 | NSE: UYFINCORP | Finance - NBFC | Small Cap

UY Fincorp Share Price

22.85 0.06 0.26%
as on 10-Feb'25 12:28

DeciZen - make an informed investing decision on UY Fincorp

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Somewhat overvalued

3. Price Trend

Semi Strong

UY Fincorp stock performance -
22.85 -7.00-23.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
24.13
Market Cap:
433.6 Cr.
52-wk low:
20
52-wk high:
38.9

Is UY Fincorp Ltd an attractive stock to invest in?

1. Is UY Fincorp Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that UY Fincorp Ltd is a below average quality company.

2. Is UY Fincorp Ltd undervalued or overvalued?

The key valuation ratios of UY Fincorp Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is UY Fincorp Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of UY Fincorp Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of UY Fincorp:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
UY Fincorp Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
18124.525.923.62017.21483.755.612222
YoY Gr. Rt. %
--86.5%5.8%-9.1%-15.1%-14%-18.7%498.1%-33.6%119.3%-
Adj EPS (₹ )
0.30.40.60.60.20.10.50.20.43.40.9
YoY Gr. Rt. %
-26.7%57.9%1.7%-65.6%-33.3%257.1%-66%141.2%731.7%-
BVPS (₹ )
11.311.712.312.912.912.212.712.913.316.717.2
YoY Gr. Rt. %
-3.4%5.2%5%0%-5%4.1%1.3%3.2%25.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
3.13.24.84.61.61.13.51.12.721.20

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-4.3%43.5%105.8%119.3%
Adj EPS31%74.6%89.6%731.7%
BVPS4.5%5.4%9.5%25.7%
Share Price 19.7% 56.3% 19.6% -28.3%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)
0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
3.229.943.948.820.11667.93.813.953.383
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
3.73.454.81.61.241.33.122.75.5

Recent Performance Summary

Total Income has increased 105.75 CAGR in last 3 years

Net Profit has increased 89.64 CAGR in last 3 years

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 5.50%

Latest Financials - UY Fincorp Ltd.

Standalone Consolidated
TTM EPS (₹) 0.9 -0
TTM Sales (₹ Cr.) 21.5 14
BVPS (₹.) 17.2 0
Reserves (₹ Cr.) 231 154
P/BV 1.33 0.00
PE 24.13 0.00
From the Market
52 Week Low / High (₹) 19.99 / 38.90
All Time Low / High (₹) 0.70 / 43.19
Market Cap (₹ Cr.) 434
Equity (₹ Cr.) 95.1
Face Value (₹) 5
Industry PE 28.2

Quarterly Results

 Dec'23 YoY Gr. Rt. %Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %
Operating Income5.1 32.25.1 27.15.5 40.85.8 29.5
Adj EPS (₹)0.25 108.30.25 5250.27 17.40.18 -93.3
Net Profit Mgn %14.36 80 bps12.00 632 bps14.27 -663 bps7.66 -16818 bps

Management X-Ray of UY Fincorp:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:71.38%Institutions:0.01%Non-Institutions:28.61%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%20%40%60%80%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of UY Fincorp

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of UY Fincorp

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

Price Chart, Live Stock Chart, Technical Chart of

BVPS (Rs.)

Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 1,000.9 -33.6 (-3.2%) Small Cap 10,020 23.1 -16.8 44.9 0.9
Edelweiss Financial 107 -5 (-4.4%) Small Cap 9,500 4.9 5.6 22.9 2
Manappuram Finance 202.5 -5.9 (-2.8%) Small Cap 8,848 26.7 24.8 7.8 1.4
CreditAccess Grameen 1,032.9 -39.3 (-3.7%) Small Cap 5,167 55.2 28 19.4 2.5
Spandana Sphoorty 335.1 -12.8 (-3.7%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 180.3 -11.3 (-5.9%) Small Cap 2,317 -8.1 21.8 - 0.8
Muthoot Microfin 155.8 -1.5 (-0.9%) Small Cap 2,270 17.5 19.8 9 0.9
Five Star Business 736.4 -35.8 (-4.6%) Small Cap 2,183 35 38.3 22.1 3.8
Northern ARC Capital 184.3 -7.1 (-3.7%) Small Cap 1,829 17.4 15.3 11 1
Fedbank Financial 94.5 -0.7 (-0.8%) Small Cap 1,577 5.9 15.5 16 1.5
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income1812526242018158557221
Interest Income1812526242017148456122
Other Income 00000111299
Expenditure 17398741338146137
Interest Expense 3000011100
Operating Expenses 1698752226444101
Provisions 1113211016236
Exceptional Items 0-300-1000000
Profit Before Tax 9131816651341184
Taxes 36752231319
Profit After Tax 6711124393865
Adjusted EPS (₹)0.30.40.60.60.20.10.50.20.43.4
Dividend Payout Ratio (%)0%0%0%8%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital214222233245245233242245253318
Share Capital 95959595959595959595
Reserves 119127138149150137147150158223
Minority Interest0000000000
Long Term Borrowings111311283444305
Current Liabilities 5101113022523
Trade Payables0000000000
Short term borrowings0000000011
Other Liabilities00000000-1-1
Total Liabilities 220233245260256263278294285326

Assets

Non Current Asset 55414036374848503620
Loan Asset 10120000000
Other Non Current Asset 46393836374848503620
Current Asset 165192206225219215230245250306
Current Investment0000000000
Other Current Asset165192206225219215230245250306
Total Assets 220233245260256263278294285326

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -5631-93155-5-3-18
Cash Flow From Investing Activity -4422-3-2400019
Cash Flow From Financing Activity 58000-185-100
Net Cash Flow -373-7-1-29-6-40
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0011001003
DPS (₹)0000000000
BVPS (₹)11121213131213131317

Performance Ratios

ROA (%)3.13.24.84.61.61.13.51.12.721.2
ROE (%)3.73.45.04.81.61.24.01.33.122.7
ROCE (%)6.25.98.06.92.52.25.42.14.529.5

Valuation Parameters

Price/Book(x)0.40.30.50.60.30.10.31.11.01.5

UY Fincorp Ltd Stock News

UY Fincorp Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of UY Fincorp on 10-Feb-2025 12:28 is ₹22.85.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 10-Feb-2025 12:28 the market cap of UY Fincorp stood at ₹433.6.
The latest P/E ratio of UY Fincorp as of 10-Feb-2025 12:28 is 24.13.
The latest P/B ratio of UY Fincorp as of 10-Feb-2025 12:28 is 1.33.
The 52-week high of UY Fincorp is ₹38.90 and the 52-week low is ₹19.99.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of UY Fincorp is ₹21.54 ( Cr.) .

About UY Fincorp Ltd

Golden Securities was originally incorporated with the Registrar of Companies, West Bengal on October 7, 1993 as Golden Securities Private Limited. Pursuant to shareholders resolution dated November 30, 1994 the company was converted into Public Limited Company and the name was changed to Golden Securities Limited. Fresh certificate of incorporation consequent to such change of name was issued by the Registrar of Companies, West Bengal vide certificate dated December 13, 1994.

In 2011 the name of the Company has changed from Golden Securities Ltd. to Golden Goenka Fincorp Ltd.

In the year 2000, the company started a training centre for teaching computer operations and is planning to further development of software and exploring the export market relating to Information Technology, Medical Transcription, E-Commerce and other sphere of activities. The registered office of the company is located at Kolkata, India.

Business of the company:

Being a non-banking financial company, it is in the business of share investment, assets financing, investment banking, equipment lease and finance and bill discounting for reputed companies.

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