UYFINCORP
U. Y. Fincorp Limited (UYFINCORP) Stock Analysis
U. Y. Fincorp Limited is an NBFC providing loans and financial services to retail and small business customers in India. It offers secured and unsecured credit through branches and partners. The company operates as a listed finance company on Indian exchanges.
Financial Services › Credit Services
₹24.80
+8.31% 1W | +58.90% 52W
Market Cap
471 CR
P/E Ratio
7.9
52W High
₹24.9
52W Low
₹11.5
Div. Yield
0%
Beta
0.5
50 DMA
₹20.2
200 DMA
₹15.8
Profit Margin
29.1%
Inst. Own.
0%
📊 CONSOLIDATION
🚀 BREAKOUT
Fundamentals
Profit & Loss
| Metric | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5.21 | 2.02 | 4.61 | 4.35 | 3.84 | 7.45 | -1.65 | 10.07 | 35.04 | 15.92 | 22.64 | 9.57 | 15.27 |
| Interest | 0.16 | 0.23 | 0.21 | 0.19 | 0.17 | 0.20 | 0.21 | 0.28 | 0.28 | 0.28 | 0.28 | 0.19 | 0.10 |
| Expenses | 3.32 | 2.88 | 12.96 | 0.49 | 0.48 | -1.32 | 2.70 | 1.94 | 31.47 | 49.11 | -2.85 | 7.53 | 11.59 |
| Financing Profit | 1.73 | -1.09 | -8.56 | 3.67 | 3.19 | 8.57 | -4.56 | 7.85 | 3.29 | -33.47 | 25.21 | 1.85 | 3.58 |
| Financing Margin % | 33.21% | -53.96% | -185.68% | 84.37% | 83.07% | 115.03% | 276.36% | 77.95% | 9.39% | -210.24% | 111.35% | 19.33% | 23.44% |
| Other Income | 0.39 | 0.00 | 0.41 | 1.25 | 1.10 | 0.35 | 0.27 | 3.77 | 1.86 | 0.56 | 0.33 | -1.87 | 2.57 |
| Depreciation | 0.03 | 0.03 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 |
| Profit before tax | 2.09 | -1.12 | -8.19 | 4.89 | 4.26 | 8.89 | -4.32 | 11.58 | 5.11 | -32.95 | 25.49 | -0.07 | 6.10 |
| Tax % | 68.90% | -16.96% | -10.87% | 21.68% | 22.30% | 26.55% | -30.79% | 17.79% | 21.33% | -26.37% | 25.85% | 685.71% | 14.10% |
| Net Profit | 0.64 | -0.94 | -7.30 | 3.83 | 3.31 | 6.54 | -2.98 | 9.53 | 4.02 | -24.26 | 18.90 | -0.55 | 5.25 |
| EPS in Rs | 0.03 | -0.05 | -0.38 | 0.20 | 0.17 | 0.34 | -0.16 | 0.50 | 0.21 | -1.28 | 0.99 | -0.03 | 0.28 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 96.04 | 77.18 | 16.96 | 185.01 | 32.53 | 40.80 | 39.98 | 20.01 | 18.02 | 15.02 | 84.90 | 63.40 |
| Interest | 1.91 | 7.92 | 6.57 | 2.69 | 0.01 | 0.00 | 0.01 | 0.00 | 0.71 | 0.77 | 1.12 | 0.85 |
| Expenses | 92.91 | 66.52 | 12.19 | 174.01 | 16.59 | 22.33 | 23.21 | 3.72 | 20.93 | 1.60 | 79.37 | 65.38 |
| Financing Profit | 1.22 | 2.74 | -1.80 | 8.31 | 15.93 | 18.47 | 16.76 | 16.29 | -3.62 | 12.65 | 4.41 | -2.83 |
| Financing Margin % | 1.27% | 3.55% | -10.61% | 4.49% | 48.97% | 45.27% | 41.92% | 81.41% | -20.09% | 84.22% | 5.19% | -4.46% |
| Other Income | 0.00 | 0.00 | 0.48 | 0.00 | -2.69 | 0.00 | 0.00 | -9.72 | 0.00 | 1.20 | 4.98 | 1.59 |
| Depreciation | 0.02 | 0.04 | 0.21 | 0.24 | 0.20 | 0.15 | 0.19 | 0.18 | 0.14 | 0.11 | 0.16 | 0.19 |
| Profit before tax | 1.20 | 2.70 | -1.53 | 8.07 | 13.04 | 18.32 | 16.57 | 6.39 | -3.76 | 13.74 | 9.23 | -1.43 |
| Tax % | 22.50% | 25.19% | 7.84% | 34.94% | 42.94% | 36.95% | 29.99% | 30.99% | 48.67% | 22.20% | 11.27% | |
| Net Profit | 1.18 | 2.04 | -1.65 | 5.24 | 7.45 | 11.56 | 11.60 | 4.40 | -5.59 | 10.69 | 8.19 | -0.66 |
| EPS in Rs | 0.12 | 0.11 | -0.09 | 0.28 | 0.39 | 0.61 | 0.61 | 0.23 | -0.29 | 0.56 | 0.43 | -0.04 |
| Dividend Payout % | 57.63% | 64.22% | 0.00% | 0.00% | 0.00% | 0.00% | 8.20% | 0.00% | 0.00% | 0.00% | 0.00% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 62.0% | 16.0% | -1.0% |
| Profit CAGR | -6.0% | -13.0% | 17.0% |
Shareholding Pattern
Promoters71.38%
FIIs0.05%
Public28.57%
Promoters71.38%
FIIs0.72%
Public27.91%
Promoters71.38%
FIIs0.68%
Public27.94%
Promoters71.38%
FIIs0.06%
Public28.57%
Promoters71.38%
FIIs0.06%
Public28.57%
Promoters70.51%
Public29.49%
Promoters71.38%
Public28.63%
Promoters71.38%
FIIs0.05%
Public28.57%
Promoters71.38%
FIIs0.06%
Public28.57%
Promoters71.38%
FIIs0.06%
Public28.57%
UYFINCORP
Holdings Analysis
Key strengths & risk signals
90
Overall
84
Fundamental
97
Technical
Risks (2)
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
OVERBOUGHT! RSI at 75.6 - caution, may pull back.
Strengths (4)
UNDERVALUED! PEG of 0.09 indicates stock is cheap relative to growth.
BULLISH TREND! 50-day average (20.2) is above 200-day average (15.8) - positive signal.
BREAKOUT! Stock has broken above resistance levels with momentum.
EXCELLENT YEAR! Stock gained 58.9% in the last year.
Fundamental & Technical Analysis
90Overall
84Fundamental
97Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 37.0% (EXCELLENT, 15/15). Profit CAGR: 84.0% (EXCELLENT, 15/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 29.1% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.09 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 29.5% public ownership - balanced ownership structure.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (20.2) is above 200-day average (15.8) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (24.8) is above both moving averages.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
10/10
EXCELLENT YEAR! Stock gained 58.9% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 225,697 vs down days: 106,760. Ratio: 2.11x
RSI
2/5
OVERBOUGHT! RSI at 75.6 - caution, may pull back.
52W Range
5/5
STRONG! Trading at 99.3% of 52W range - near yearly highs.
Momentum
5/5
STRONG MOMENTUM! Price has grown across all timeframes - up 8.3% (1 week), 27.4% (1 month), 51.0% (3 months). Momentum is accelerating.
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| UYFINCORP | ₹24.80 | 7.9 | 29.1% | 37.0% | 84.0% | +58.9% | 90 | BREAKOUT | +226.7% | +12.6% | +181.1% | +3.3% |
| MANCREDIT | ₹227.20 | 26.6 | 23.2% | 48.1% | 24.6% | +33.4% | 78 | BREAKOUT | +90.0% | +3.6% | +53.1% | +4.2% |
| CSLFINANCE | ₹203.30 | 5.4 | 32.5% | 29.8% | 23.6% | -27.5% | 62 | BREAKDOWN | +3.8% | +13.9% | +17.4% | +0.6% |
| LAXMIINDIA | ₹106.20 | 9.3 | 30.6% | 33.1% | 46.1% | -26.0% | 76 | BREAKDOWN | +69.4% | -19.0% | +30.7% | -2.5% |
| MONEYBOXX | ₹53.90 | 299.6 | 1.1% | 59.7% | – | -33.5% | 40 | APPROACHING RESISTANCE | 0.0% | -60.0% | -11.3% | -2.1% |
| MUTHOOTCAP | ₹209.50 | 14.4 | 9.3% | 11.5% | -47.8% | -22.0% | 48 | BREAKDOWN | -272.3% | +50.0% | +7.1% | +0.3% |
| AFIL | ₹7.60 | 7.4 | 48.8% | 29.4% | 42.8% | -14.4% | 66 | BOUNCE FROM SUPPORT | +20.8% | -5.7% | +34.3% | +1.5% |
| VIJIFIN | ₹13.50 | 48.1 | 56.1% | 34.6% | 65.8% | +295.4% | 75 | BREAKDOWN | -466.7% | -47.6% | +50.0% | -60.9% |
Data from TradeAlone · Updated daily
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