U. Y. Fincorp

: UYFINCORP · Non Banking Financial Company (NBFC)

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Snapshot

Unlock U. Y. Fincorp's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

U. Y. Fincorp Ltd is a Reserve Bank of India registered non-deposit taking non-banking financial company. The firm primarily engages in providing inter-corporate loans, personal loans, and investment and trading activities in securities.

Business Model

The company generates revenue through interest income earned on its loan portfolio and capital gains derived from its investment and securities trading operations.

  • Classification:Non-Systematically Important Non-Deposit Taking NBFC
  • Incorporation Year:1993

Growth Outlook

Growth is expected to be driven by the expansion of its loan book and strategic allocation of capital within the securities market.

Key Risks

  • Credit Risk. The company faces the risk of default from borrowers in its inter-corporate and personal loan portfolios.
  • Market Risk. Fluctuations in the securities market can adversely impact the value of the company's investment and trading portfolio.
  • Regulatory Risk. As an RBI-registered NBFC, the company is subject to stringent regulatory oversight and changes in monetary policy that may affect liquidity and operations.
  • Interest Rate Risk. Volatility in interest rates may affect the company's net interest margins and the cost of borrowing.

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Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
U. Y. FincorpUYFINCORP
₹378 Cr7.8214.0%+66.8%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials