U. Y. Fincorp Ltd (UYFINCORP)

Financial Services · Finance · NSE · Updated 1 September 2026

By StockFin Research Team • AI-Assisted Analysis • Source: BSE/NSE Filings

₹19.55 ↑ 52.38% (1Y)

🎯 Key Takeaways

U. Y.
Revenue grew 59.7% QoQ to ₹15 in Q2FY23.
⚠️ Persistent negative profitability metrics (ROE, ROCE) and declining net profit margins raise concerns about sustainable earnings.

Market Cap

₹372

P/B Ratio

1.52

ROE

-0.3%

ROCE

-0.2%

Debt/Equity

0.06

Promoter

71.4%

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📖 The Story

U. Y. Fincorp Ltd operates in the financial services sector with a market cap of ₹372 crore and a negative ROE and ROCE, indicating weak profitability. Despite a strong 1-year return of +52.38%, the company remains in an early or niche phase, likely focused on specialized financial activities rather than scale-driven growth. The business appears to be small-cap with limited operational scale, as reflected in modest revenue and volatile earnings. Management has not yet demonstrated consistent profitability, and the negative returns suggest ongoing restructuring or repositioning.

📰 What's Happening

Recent board meetings have focused on financial approvals and governance updates. On August 10, 2026, the board approved unaudited standalone results for Q1 FY26, reporting revenue of ₹7,254.14 lakhs and net profit of ₹2.54 lakhs — down sharply from ₹31.28 lakhs a year ago. A proposed private placement of up to ₹50 crores was noted. Earlier, on July 24, 2026, the board appointed new auditors following resignations, with ratification pending at the AGM. Insider trading disclosures on August 20, 2026, involved Executive Director Dinesh Burman, though transaction details were withheld. No major strategic shifts or new business announcements were made in recent filings.

Source: Stock Announcements

📊 Quarterly Results (₹ Cr)

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022
Revenue	16	23	10	15
Operating Profit	-34	25	2	4
OPM %	-210.5%	112.5%	18.8%	23.0%
Net Profit	-24	19	-1	5
EPS	₹-1.28	₹0.99	₹-0.03	₹0.28

Revenue has shown modest growth from ₹7,039.45 lakhs in Q1 FY25 to ₹7,254.14 lakhs in Q1 FY26, but profitability remains under pressure, with net profit declining to ₹2.54 lakhs from ₹31.28 lakhs a year earlier. Operating margins have also contracted, and the company recorded an impairment of ₹900 lakhs on an associate under liquidation. These trends suggest operational challenges despite revenue stability, with margins and bottom-line performance under strain. The financial trajectory reflects a company in transition, managing small-scale operations with limited scalability and rising non-recurring charges.

🔮 Management Outlook & What's Next

Management has not provided detailed forward guidance on earnings or growth expectations in recent filings. However, the board referenced a proposed private placement of up to ₹50 crores as part of future capital plans, indicating potential funding activity. No specific targets for revenue, margins, or ROCE were disclosed. The lack of quantitative guidance suggests limited visibility or strategic certainty. Management’s focus appears to be on compliance, governance, and administrative actions rather than aggressive expansion or performance improvement narratives.

Extracted from official company announcements. Not StockFin.ai's opinion.

🏦 Balance Sheet (₹ Cr)

Item	Mar 2021	Mar 2022	Mar 2022	Mar 2023
Equity Capital	95	95	95	95
Reserves	141	155	149	154
Borrowings	14	14	14	1
Total Liabilities	280	303	314	315
Fixed Assets	1	1	1	1
Investments	33	33	34	34
Total Assets	280	303	314	315

The balance sheet shows stable equity of ₹95 lakhs and reserves of approximately ₹150 lakhs over the past two years, with borrowings remaining minimal at ₹14–15 lakhs. Total assets have grown slightly to ₹315 lakhs as of March 2023, indicating modest asset base expansion. The capital structure remains conservative, with negligible debt and no significant financing activity disclosed. There is no evidence of large-scale investment or deleveraging; the company appears to be financing operations through retained earnings and minimal borrowing, consistent with a small, cash-light business.

💰 Cash Flow Statement (₹ Cr)

Item	Mar 2022
Operating	-13
Investing	-1
Financing	+8
Net Cash Flow	-6

👥 Shareholding Pattern

Category	Q2FY26	Q3FY26	Q4FY26	Q1FY27
Promoters	71.4%	71.4%	71.4%	71.4%
FII	0.7%	0.7%	0.1%	0.1%
DII	0.0%	0.0%	0.0%	0.0%
Public	19.4%	19.8%	20.7%	20.9%
# Shareholders	21,165	20,379	19,802	19,353

Promoter holding remains stable at 71.38% across recent quarters, indicating no dilution or stake sale. FII holdings have declined sharply from 0.72% in Q2FY26 to 0.06% in Q1FY27, while DII participation has dropped to 0% from 0.68%. The number of public shareholders has increased slightly, but institutional interest appears to be waning. There are no signs of activist accumulation or significant foreign interest. The shareholding pattern suggests limited institutional confidence, with retail investors forming the majority of the public float.

⚖️ Peer Comparison — Finance

Company	MCap (₹ Cr)	P/E	ROCE	ROE	D/E
BAJFINANCE	6.63 L Cr	32.6	10.4%	18.1%	3.82
BAJAJFINSV	3.23 L Cr	31.7	11.4%	26.5%	5.50
SHRIRAMFIN	2.57 L Cr	19.3	11.5%	17.1%	3.80
CHOLAFIN	1.59 L Cr	27.6	9.3%	18.9%	6.93
JIOFIN	1.58 L Cr	74.2	2.3%	1.6%	0.17
TATACAP	1.56 L Cr	28.5	8.4%	12.3%	5.28
ICICIAMC	1.52 L Cr	30.4	111.5%	83.6%	0.00
BAJAJHLDNG	1.27 L Cr	14.3	12.4%	12.3%	0.00
MUTHOOTFIN	1.20 L Cr	10.6	14.4%	29.3%	3.88
SBIFUNDS	1.18 L Cr	—	—	—	0.00

🔗 Peer Stock Analyses

BAJFINANCE BAJAJFINSV SHRIRAMFIN CHOLAFIN JIOFIN

⚠️ Risk Factors

1. Persistent negative profitability metrics (ROE, ROCE) and declining net profit margins raise concerns about sustainable earnings. 2. Heavy reliance on a small equity base with minimal institutional interest could lead to low liquidity and heightened volatility. 3. The proposed private placement carries execution and regulatory risks, especially without clear use-of-funds disclosure. 4. Ongoing impairment charges and weak operational performance suggest underlying business stress not yet resolved.

📋 Recent Filings

🧠 Analyst's Read

U. Y. Fincorp Ltd remains a low-visibility, niche financial services player with weak profitability and limited scale. While promoter holding is stable and recent insider transactions lack actionable detail, the company shows no clear path to earnings recovery. Investors should monitor the outcome of the proposed private placement and any future clarity on business strategy or financial targets. The stock’s recent 1-year return may reflect speculative interest rather than fundamental improvement, warranting caution on sustainability.

Based on filing content and financial data. Not a recommendation.

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Data sourced from stock announcements. Analysis generated by StockFin.ai.
For informational purposes only — not investment advice. Updated 2026-09-01.

Editorial & Data Transparency Notice

This analysis was programmatically compiled using StockFin AI utilizing official regulatory disclosures from the BSE and NSE. Content is automatically synthesized and audited against public financial filings. StockFin.ai is an educational research platform and is NOT a SEBI-registered investment advisor or research analyst.

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