U Y Fincorp Ltd Stock Price Today (NSE: UYFINCORP)
Fundamental Score
U Y Fincorp Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
U Y Fincorp Ltd share price today is ₹14.25, up +0.00% on NSE/BSE as of 20 February 2026. U Y Fincorp Ltd (UYFINCORP) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹277.18 (Cr). The 52-week high for UYFINCORP share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 16.08x, UYFINCORP is currently trading below its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 3.62% and a debt-to-equity ratio of 0.01.
U Y Fincorp Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
U Y Fincorp Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
U Y Fincorp Share Price: A Financial Stability Analysis
Non-Banking Financial Companies (NBFCs) face unique challenges in India, particularly concerning asset-liability management given their reliance on short-term funding for long-term lending. This analysis focuses on the financial stability of U Y Fincorp Ltd, looking at its current valuation and profitability metrics. Currently, the U Y Fincorp share price is trading at ₹14.83. We will evaluate whether this price reflects the underlying financial health of the company.
The company's Price-to-Earnings (PE) ratio of 16.08 suggests that investors are paying ₹16.08 for every rupee of earnings. To assess the attractiveness of this valuation, we must compare it with sector peers like Apollo Finvest. A deeper dive into the management quality of
Apollo Finvest and U Y Fincorp Ltd is crucial. Experienced and prudent management teams are vital for navigating the complexities of the NBFC sector and mitigating risks associated with loan defaults and regulatory changes. A comparative analysis of their strategic decisions, risk management frameworks, and corporate governance practices will offer a more comprehensive understanding.Furthermore, the Return on Capital Employed (ROCE) of U Y Fincorp Ltd stands at 5.46%. This indicates the efficiency with which the company is generating profits from its capital employed. A lower ROCE compared to its cost of capital can impact the company's ability to reinvest in its business, expand its operations, and maintain a competitive advantage or "moat." A higher ROCE generally signifies a stronger ability to generate value for shareholders and attract further investment.
It is important to understand that this financial analysis is part of a larger 80-parameter fundamental audit, verified by Sweta Mishra, focusing on key factors like asset quality, liquidity, and solvency. This observational analysis aims to provide an objective assessment of U Y Fincorp's financial standing based on publicly available data. This is purely an analysis of data, and should not be construed as investment advice.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
U Y Fincorp Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of UYFINCORP across key market metrics for learning purposes.
Positive Indicators
10 factors identified
Strong Operating Margins (28.71%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 16.08 vs Industry: 22.03)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (133.14%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Consistent Growth Track Record (44.36% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (33.66% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (33.66% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Conservative Debt Levels (D/E: 0.01)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Interest Coverage (34.81x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk.
Balanced Promoter Holding (71.38%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
6 factors identified
Below-Average Return on Equity (3.62%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (5.46%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Revenue Contraction (-39.96%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Negative Free Cash Flow (₹-9.34 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Institutional Interest (FII+DII: 0.72%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
U Y Fincorp Ltd Financial Statements
Comprehensive financial data for U Y Fincorp Ltd including income statement, balance sheet and cash flow
About UYFINCORP (U Y Fincorp Ltd)
U Y Fincorp Ltd (UYFINCORP) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Non Banking Financial Company (NBFC) sector with a current market capitalisation of ₹277.18 (Cr). U Y Fincorp Ltd has delivered a Return on Equity (ROE) of 3.62% and a ROCE of 5.46%. The debt-to-equity ratio stands at 0.01, reflecting the company's capital structure. Investors tracking UYFINCORP share price can monitor key metrics including P/E ratio, promoter holding of 71.38%, and quarterly earnings growth.
Company Details
Key Leadership
UYFINCORP Share Price: Frequently Asked Questions
What is the current share price of U Y Fincorp Ltd (UYFINCORP)?
As of 20 Feb 2026, 06:26 am IST, U Y Fincorp Ltd share price is ₹14.25. The UYFINCORP stock has a market capitalisation of ₹277.18 (Cr) on NSE/BSE.
Is UYFINCORP share price Overvalued or Undervalued?
UYFINCORP share price is currently trading at a P/E ratio of 16.08x, compared to the industry average of 22.03x. Based on this relative valuation, the U Y Fincorp Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of UYFINCORP share price?
The 52-week high of UYFINCORP share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the U Y Fincorp Ltd share price?
Key factors influencing UYFINCORP share price include quarterly earnings growth (Sales Growth: -39.96%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is U Y Fincorp Ltd a good stock for long-term investment?
U Y Fincorp Ltd shows a 5-year Profit Growth of 33.66% and an ROE of 3.62%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.01 before investing in UYFINCORP shares.
How does U Y Fincorp Ltd compare with its industry peers?
U Y Fincorp Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare UYFINCORP share price P/E of 16.08x and ROE of 3.62% against the industry averages to determine competitive standing.
What is the P/E ratio of UYFINCORP and what does it mean?
UYFINCORP share price has a P/E ratio of 16.08x compared to the industry average of 22.03x. Investors pay ₹16 for every ₹1 of annual earnings.
How is UYFINCORP performing according to Bull Run's analysis?
UYFINCORP has a Bull Run fundamental score of 60.9/100, indicating moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does UYFINCORP belong to?
UYFINCORP operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting U Y Fincorp Ltd share price.
What is Return on Equity (ROE) and why is it important for UYFINCORP?
UYFINCORP has an ROE of 3.62%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently U Y Fincorp Ltd generates profits from shareholders capital.
How is UYFINCORP debt-to-equity ratio and what does it indicate?
UYFINCORP has a debt-to-equity ratio of 0.01, which indicates conservative financing with low financial risk.
What is UYFINCORP dividend yield and is it a good dividend stock?
UYFINCORP offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in U Y Fincorp Ltd shares.
How has UYFINCORP share price grown over the past 5 years?
UYFINCORP has achieved 5-year growth rates of: Sales Growth 44.36%, Profit Growth 33.66%, and EPS Growth 33.66%.
What is the promoter holding in UYFINCORP and why does it matter?
Promoters hold 71.38% of UYFINCORP shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in U Y Fincorp Ltd.
What is UYFINCORP market capitalisation category?
UYFINCORP has a market capitalisation of ₹277 crores, placing it in the Small-cap category.
How volatile is UYFINCORP stock?
UYFINCORP has a beta of N/A. A beta > 1 suggests the U Y Fincorp Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is UYFINCORP operating profit margin trend?
UYFINCORP has a 5-year average Operating Profit Margin (OPM) of 28.71%, indicating the company's operational efficiency.
How is UYFINCORP quarterly performance?
Recent quarterly performance shows U Y Fincorp Ltd YoY Sales Growth of -39.96% and YoY Profit Growth of 133.14%.
What is the institutional holding pattern in UYFINCORP?
UYFINCORP has FII holding of 0.72% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the U Y Fincorp Ltd stock.