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
| ₹ 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) | 0.00 | 0.00 | 0.00 |
| Cash from operations | — | 5 | (13) |
| Capex | — | 0 | (0) |
| ₹ 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 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ FINANCE LIMITED | 6,43,552 | 31.7 | 5.50 | 11.6 | 16.5 | — | 25.2 | 70.7 |
| SHRIRAM FINANCE LIMITED | 2,42,019 | 18.1 | 3.67 | 6.7 | 15.2 | — | 22.5 | 74.7 |
| CHOLAMANDALAM IN & FIN CO | 1,57,446 | 27.2 | 5.17 | 6.9 | 17.2 | — | 26.5 | 71.2 |
| TATA CAPITAL LIMITED | 1,54,110 | 28.2 | 3.27 | 6.5 | 10.4 | — | — | 75.8 |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 10 Sept 2026 · Newspaper publication of 13th AGM notice with e-voting details | compliance | minimal | — | — |
| 8 Sept 2026 · Annual Report and Book Closure Notice for 33rd AGM on Sep 30, 2026 | compliance | minimal | — | — |
| 8 Sept 2026 · Notice of 33rd AGM on September 30, 2026; Book Closure from September 24 | board shareholder meetings | low | — | — |
| 5 Sept 2026 · Board approves auditor change, director re-appointment and 33rd AGM notice | management changes | medium | — | — |
| 20 Aug 2026 · Director Dipti Deepak Kothari buys 2.36 lakh shares in open market | ownership changes | low | — | — |
| 20 Aug 2026 · U.Y. Fincorp promoter Dipti Kothari buys 2 lakh shares via open market | ownership changes | medium | — | — |
| 18 Aug 2026 · Promoter group Dipti Kothari buys 36,123 shares via open market | ownership changes | high | — | — |
| 12 Aug 2026 · Newspaper Publication of Q1 FY27 Standalone Unaudited Financial Results | compliance | minimal | — | — |
| 10 Aug 2026 · U.Y. Fincorp Q1 FY27 Results: PAT at Rs 19.62 cr, Revenue Rs 72.54 cr | results | high | — | — |
| 4 Aug 2026 · Trading Window Closure - Board Meeting Set for 11 August 2025 | compliance | minimal | — | — |
| 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 |
| MUTHOOT FINANCE LIMITED | 1,12,094 | 9.9 | 2.82 | 3.9 | 26.7 | — | 22.0 | 84.0 |
| SBI CARDS & PAY SER LTD | 62,349 | 27.4 | 3.96 | — | 13.8 | — | — | 33.1 |
| HDB FINANCIAL SERVICES L | 55,706 | 20.2 | 2.70 | — | 12.3 | — | — | 58.0 |
| SUNDARAM FINANCE LTD | 52,217 | 23.3 | 3.51 | 6.7 | 13.8 | — | — | 78.4 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/B | 1.5 | 1.1 | 145 of 245 | 41% |
| ROE | 1.9 | 3.0 | 158 of 266 | 41% |
| Debt / Equity | 0.0 | 0.0 | 5 of 266 | 11% |
| 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 | 376 | 37 | 54 of 260 | 80% |
| 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 |
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.
