NSE: UYFINCORP · BSE: 530579
U. Y. FINCORP LIMITED
An NBFC operating in the financial services space that lends money and earns interest income, with total revenue of ₹161.77 crore in FY26 and net profit of ₹48.28 crore. The business generates revenue primarily from interest on loans and advances, supported by borrowings on the liability side. Other operating expenses form the largest cost line at 22.9% of revenue, followed by finance costs (interest paid on borrowings) at ₹3,313.41 lakhs and impairment of financial assets at ₹4,113.11 lakhs in FY26. In FY26, the company received in-principle approval for a joint venture to enter micro market personal and business loans under the brand 'FLIPBBOB'. Total assets stood at ₹423.43 crore as of FY26, with employee costs at about 1% of revenue. The registered office is being shifted from Kolkata to Mumbai, and the entity is regulated under RBI's Scale Based Regulation framework. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Interest income on lending book, Microfinance / personal & business loans (proposed). Balance-sheet driven NBFC, regulated by RBI Scale Based Regulation
Exhibit 1: Financial summary, FY20–FY22 (all audited; no estimate years)
| ₹ crore · consolidated | FY20 | FY21 | FY22 |
|---|---|---|---|
| Revenue | 17 | 14 | 84 |
| EBITDA (ex other income) | 5 | 12 | 4 |
| margin % | 26.9 | 88.5 | 5.1 |
| Owners' profit | 0 | 0 | 0 |
| EPS, as reported (₹) | (0.30) | 0.56 | 0.43 |
| ROE % · ROCE % | (2.5) · — | 4.5 · — | 3.4 · — |
| Debt / equity (x) | — | — | — |
| Cash from operations | — | 5 | (13) |
| Capex | — | 0 | (0) |
Exhibit 2: Quarterly performance, last 8 quarters
| ₹ crore | Q3 FY21 | Q4 FY21 | Q1 FY22 | Q2 FY22 | Q3 FY22 | Q4 FY22 | Q1 FY23 | Q2 FY23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 7 | (2) | 10 | 35 | 16 | 23 | 10 | 15 |
| Profit before tax | 9 | (4) | 8 | 4 | (33) | 26 | 2 | 4 |
| Net profit | 7 | (3) | 10 | 4 | (24) | 19 | (1) | 5 |
| EPS (₹) | 0.35 | (0.16) | 0.50 | 0.21 | (1.28) | 0.99 | (0.03) | 0.28 |
Exhibit 3: Peers — basic industry group, by market cap
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ FINANCE LIMITED | 5,70,768 | 28.1 | 4.88 | — | 16.5 | — | 25.2 | 70.7 |
| SHRIRAM FINANCE LIMITED | 1,94,820 | 14.6 | 2.96 | — | 15.2 | — | 22.5 | 74.7 |
| CHOLAMANDALAM IN & FIN CO | 1,31,798 | 22.8 | 4.33 | — | 17.2 | — | 26.5 | 71.2 |
| TATA CAPITAL LIMITED | 1,31,209 | 24.0 | 2.79 | — | 10.4 | — | — | 75.8 |
| MUTHOOT FINANCE LIMITED | 96,352 | 8.5 | 2.42 | — | 26.7 | — | 22.0 | 84.0 |
| SBI CARDS & PAY SER LTD | 50,202 | 22.1 | 3.19 | — | 13.8 | — | — | 33.1 |
| SUNDARAM FINANCE LTD | 43,766 | 19.6 | 2.94 | — | 13.8 | — | — | 78.4 |
| AUTHUM INVEST & INFRA LTD | 42,040 | 7.2 | 2.85 | — | 13.1 | — | — | 90.1 |
Exhibit 4: Where the company sits in its group
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/B | 2.1 | 1.1 | 186 of 253 | 27% |
| ROE | 1.9 | 3.1 | 154 of 257 | 40% |
| EBITDA margin | 26.4 | 48.6 | 156 of 249 | 38% |
| Revenue growth | (56.1) | 12.6 | 199 of 231 | 14% |
| Profit growth | 30.6 | 7.8 | 99 of 251 | 61% |
| Market cap | 529 | 34 | 45 of 268 | 84% |
Exhibit 5: Filings of the last 90 days, with the measured price reaction
| Date · filing | Category | Importance | Next day % | 5-day % |
|---|---|---|---|---|
| 26 Oct 2026 · Trading window closed for results and possible fund-raising review | compliance | minimal | — | — |
| 26 Oct 2026 · Board meeting set for quarterly results and possible equity raise | results | low | — | — |
| 17 Oct 2026 · U.Y. Fincorp appoints IR and PR advisory agency effective October 17, 2026 | general | low | — | — |
| 16 Oct 2026 · Routine RTA compliance certificate for Q2 FY27 under SEBI Reg 74(5) | compliance | minimal | — | — |
| 1 Oct 2026 · U.Y. Fincorp announces outcome of 33rd AGM held on Sep 30, 2026 | board shareholder meetings | low | — | — |
| 1 Oct 2026 · 33rd AGM outcome: Auditors appointed, Director re-appointed | board shareholder meetings | low | — | — |
| 1 Oct 2026 · AGM voting results: All 5 resolutions approved by shareholders | board shareholder meetings | low | — | — |
| 30 Sept 2026 · 33rd AGM held on Sept 30, 2026 via video conferencing | board shareholder meetings | medium | — | — |
| 29 Sept 2026 · Trading Window Closed Until Q2 FY26 Results | compliance | minimal | — | — |
| 10 Sept 2026 · Newspaper publication of 13th AGM notice with e-voting details | compliance | minimal | — | — |
How to read this document
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions | an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
Sources, method and disclosures
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.