U. Y. FINCORP LIMITED — valuation model

U. Y. FINCORP LIMITEDUYFINCORPFinance

₹-3per share · Base Model Note

The horizon and scenarios are yours to change. Every other input is part of the Trader plan; saving, sharing a saved link and the live-formula workbook are part of the Institutional plan.

Scenario

Inputslive

Template

U. Y. FINCORP LIMITED is a lender: the loans it makes run through its cash flow, so free cash flow to the firm does not measure it. It is valued on the excess-return template: book equity earning your ROE over the cost of equity.

Explicit years, then flat

Excess returns are projected to FY27; after that they grow flat at the terminal rate.

These inputs are part of the Trader plan; on your plan they stay at the figures shown. See plans

Book equity today

0FY22 filed 2441,000

Return on equity

0FY22 as filed40

Dividend payout

0filed dividends ÷ profit100

Book equity earns your ROE; what is not paid out compounds the book.

Value per share, your model₹(3)implied P/B (0.22)× on FY22 book

Against CMP ₹27.83−110.2%close of 28 Oct 2026

Cost of equity10.85%risk-free + beta × equity risk premium

Book equity, FY22₹13per share · excess returns add ₹(16)

This figure is the arithmetic of your inputs and nothing else. MarketPing publishes no fair value, target or rating; the model is yours.

Excess-return schedule · ₹ crore · book equity earns your ROE; value is book plus the returns above the cost of equity

₹ crore	FY23	FY24	FY25	FY26	FY27
Opening book equity	244	252	261	270	279
Net income at 3.4% ROE	8	9	9	9	9
Cost of equity charge at 10.85%	(26)	(27)	(28)	(29)	(30)
Excess return	(18)	(19)	(19)	(20)	(21)
Present value	(17)	(16)	(15)	(14)	(13)
Closing book equity	252	261	270	279	288

Book equity today	244
PV of 5 years of excess return	(76)
PV of the terminal excess return, 5% flat	(223)
add non-operating investments	0
Equity value	(54)
÷ 19.02 crore shares	₹(3)

ROE is at or below the cost of equity, so every year destroys value against book and the model lands below book value. That is the arithmetic, not a view.

Where the methods land · ₹ per share · the dashed line is the CMP

52-week rangetraded range, a fact not a value

₹12₹28

Scenarios side by side · ₹ per share

Scenario	Template	Growth	Margin	Rate	Terminal	₹ / share	vs CMP
Base · editing	Excess return	ROE 3.4%	—	10.85%	5%	₹(3)	(110.2)%

A scenario is a full set of inputs under a name. Keep Base as the filed history carried forward; add Bull and Bear by saving the current inputs under those names and moving the two or three assumptions you actually hold a view on. The distribution above draws each driver between the lowest and highest value across your scenarios, so three scenarios give it a real range; with one scenario it falls back to fixed bands.