U. Y. Fincorp

Why is U. Y. Fincorp Ltd falling/rising?

As of 12-Aug, U. Y. Fincorp Ltd's stock price is declining, currently at 19.10, reflecting a drop of -4.26% over the last two days. This downturn is accompanied by decreased investor participation and a -1.04% return over the past week, indicating a broader negative trend despite previous strong performance.

As of 12-Aug, U. Y. Fincorp Ltd's stock price is falling, currently at 19.10, which reflects a change of -0.85 or -4.26%. This decline is part of a broader trend, as the stock has been losing value for the last two days, resulting in a total drop of -5.29% during this period. <BR><BR>In terms of performance relative to the market, the stock has shown a -1.04% return over the past week, which is worse than the Sensex's decline of -0.78%. Although the stock has performed well over longer periods, such as a +16.46% increase over the past month and a +37.11% increase year-to-date, the recent short-term performance indicates a downturn.<BR><BR>Additionally, there has been a significant decrease in investor participation, with delivery volume on August 11 falling by -90.62% compared to the 5-day average. This drop in trading activity suggests a lack of interest from investors, which can contribute to the stock's declining price. Despite trading above its moving averages, the combination of consecutive price falls and reduced investor engagement indicates that U. Y. Fincorp Ltd is currently experiencing a downward trend in its stock price.

Which are the latest news on U. Y. Fincorp?

When is the next results date for U. Y. Fincorp Ltd?

The next results date for U. Y. Fincorp Ltd is 10 August 2026.

The next results date for U. Y. Fincorp Ltd is scheduled for 10 August 2026.

Should I buy, sell or hold U. Y. Fincorp Ltd?

How big is U. Y. Fincorp?

As of 10th June, U. Y. Fincorp Ltd has a market capitalization of 272.00 Cr, with Net Sales of 63.40 Cr and a Net Profit loss of 0.66 Cr over the latest 4 quarters. As of March 2022, Shareholder's Funds were 244.29 Cr and Total Assets were 304.30 Cr.

As of 10th June, U. Y. Fincorp Ltd has a market capitalization of 272.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest 4 quarters, U. Y. Fincorp reported Net Sales of 63.40 Cr. However, the company experienced a loss of 0.66 Cr in Net Profit during the same period.<BR><BR>The latest annual period for the balance sheet is March 2022, where Shareholder's Funds were recorded at 244.29 Cr and Total Assets amounted to 304.30 Cr.

Who are in the management team of U. Y. Fincorp?

The management team of U. Y. Fincorp includes Udai Kothari (Chairman & Managing Director), Deepak Kothari and Dinesh Burman (Whole Time Directors), and several Non-Executive Independent Directors: Govind Kumar Goyal, Leena Hinesh Jobanpotra, Jignesh Dalal, and Nishant Sharadrao Nanda, along with Amrita Mohta Kothari as Company Secretary.

The management team of U. Y. Fincorp includes the following individuals:<BR><BR>1. **Udai Kothari** - Chairman & Managing Director<BR>2. **Deepak Kothari** - Whole Time Director<BR>3. **Dinesh Burman** - Whole Time Director<BR>4. **Govind Kumar Goyal** - Non Executive Independent Director<BR>5. **Leena Hinesh Jobanpotra** - Non Executive Independent Director<BR>6. **Jignesh Dalal** - Non Executive Independent Director<BR>7. **Nishant Sharadrao Nanda** - Non Executive Independent Director<BR>8. **Amrita Mohta Kothari** - Company Secretary<BR><BR>If you have any more questions about U. Y. Fincorp or its operations, feel free to ask!

Who are the peers of the U. Y. Fincorp?

U. Y. Fincorp's peers include Bombay Oxygen, Avonmore Capital, P. H. Capital, Starteck Fin., Sera Investments, Trishakti Indus, Vaarad Ventures, Akiko, and Ascom Leasing. Their management risks and growth vary, with P. H. Capital showing the highest 1-year return at 362.34% and Avonmore Capital the lowest at -47.45%.

Peers: The peers of U. Y. Fincorp are Bombay Oxygen, Avonmore Capital, P. H. Capital, Starteck Fin., Sera Investments, Trishakti Indus, Vaarad Ventures, Akiko, and Ascom Leasing.<BR><BR>Quality Snapshot: Excellent management risk is observed at Akiko, while Average management risk is found at Bombay Oxygen, Avonmore Capital, P. H. Capital, Trishakti Indus, and Ascom Leasing, and the rest have Below Average management risk. Growth is Excellent for U. Y. Fincorp, Sera Investments, and Akiko, while Good growth is noted at Trishakti Indus, and the rest have Below Average growth. Excellent capital structure is seen in Bombay Oxygen, Avonmore Capital, P. H. Capital, Starteck Fin., Sera Investments, Trishakti Indus, and Akiko, while Ascom Leasing has Average capital structure, and Vaarad Ventures does not qualify.<BR><BR>Return Snapshot: P. H. Capital has the highest 1-year return at 362.34%, while Avonmore Capital has the lowest at -47.45%. U. Y. Fincorp's 1-year return is -22.80%, which is higher than Avonmore Capital's but lower than P. H. Capital's. Additionally, the six-month returns for Bombay Oxygen, Avonmore Capital, Starteck Fin., Sera Investments, and Vaarad Ventures are negative.

What does U. Y. Fincorp do?

U. Y. Fincorp Ltd is a Non-Banking Financial Company (NBFC) focused on the micro-cap market, reporting net sales of 58 Cr and a net profit of 17 Cr for March 2026. The company has a market cap of INR 272 Cr and key financial metrics include a P/E ratio of 6.00 and a return on equity of 12.41%.

Overview:<BR>U. Y. Fincorp Ltd is a Non-Banking Financial Company (NBFC) operating in the micro-cap market segment.<BR><BR>History:<BR>U. Y. Fincorp Ltd was originally incorporated as 'Golden Securities Private Limited' in 1993. It transitioned to a Public Limited Company in 1994, changing its name to "Golden Securities Limited." In 2011, the name was further changed to Golden Goenka Fincorp Limited, and eventually to U. Y. Fincorp Ltd. The latest quarterly results reported net sales and net profit for March 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 58 Cr (Quarterly Results - Mar 2026)<BR>- Net Profit: 17 Cr (Quarterly Results - Mar 2026)<BR>- Market Cap: INR 272 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: 6.00<BR>- Industry P/E: 20<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 0.01<BR>- Return on Equity: 12.41%<BR>- Price to Book: 0.70<BR><BR>Contact Details:<BR>- Address: Vaman Techno Centre A-Wing, 7th Flr Marol Naka Andheri(E) Mumbai Maharashtra : 400059<BR>- Tel: 91-22-42300800<BR>- Email: contact@goldengoenka.com<BR>- Website: http://www.uyfincorp.com

Are U. Y. Fincorp Ltd latest results good or bad?

U. Y. Fincorp Ltd's latest Q3 FY26 results show strong revenue growth of 45.12% and a net profit increase of 107.42%, indicating good operational performance. However, concerns about low return on equity and significant stock underperformance suggest a cautious outlook for investors.

U. Y. Fincorp Ltd's latest results for Q3 FY26 indicate a strong performance, showcasing significant improvements in both revenue and net profit. The company achieved record high revenue of ₹42.15 crores, which is a 45.12% increase from the previous quarter, and net profit surged to ₹16.78 crores, reflecting a remarkable 107.42% growth quarter-over-quarter. Additionally, operating margins expanded to an impressive 53.33%.<BR><BR>However, while these results are encouraging, there are underlying concerns that investors should consider. The average return on equity (ROE) is only 7.34%, which is below the acceptable threshold for quality financial companies, and the stock has severely underperformed in the market, declining 40.45% over the past year compared to a 6.66% gain in the Sensex.<BR><BR>The company also faces challenges such as minimal institutional ownership and a history of volatility in earnings. Despite the record quarterly performance, the sustainability of these improvements is in question, particularly given the weak ROE and the lack of institutional support.<BR><BR>In summary, while U. Y. Fincorp's latest results are good in terms of operational performance, the broader financial health and market sentiment present a mixed picture, leading to a cautious outlook for potential investors.

Is U. Y. Fincorp overvalued or undervalued?

As of November 10, 2025, U. Y. Fincorp is considered undervalued with a valuation grade of very attractive, highlighted by a PE ratio of 18.25, an EV to EBITDA of 5.06, and a Price to Book Value of 0.09, significantly lower than peers like Bajaj Finance and Life Insurance, while showing recent positive performance despite a year-to-date decline.

As of 10 November 2025, U. Y. Fincorp's valuation grade has moved from fair to very attractive, indicating a significant improvement in its perceived value. The company is currently considered undervalued. Key ratios include a PE ratio of 18.25, an EV to EBITDA of 5.06, and a Price to Book Value of 0.09, which suggest that the stock is trading at a discount compared to its intrinsic value.<BR><BR>In comparison to its peers, U. Y. Fincorp's valuation metrics stand out, particularly against Bajaj Finance, which has a PE ratio of 38.76 and is classified as very expensive, and Life Insurance, which has a PE ratio of 11.14 and is rated very attractive. The substantial difference in these ratios reinforces the notion that U. Y. Fincorp is undervalued relative to its market position. Additionally, while the company has experienced a decline in stock price year-to-date, its recent performance of 6.78% over the past week significantly outperformed the Sensex, indicating potential for recovery.

How has been the historical performance of U. Y. Fincorp?

U. Y. Fincorp's historical performance shows significant revenue growth, with net sales rising to INR 83.67 crore in March 2022, but profits and cash flow declined, resulting in a net profit drop to INR 3.21 crore and negative cash flow of INR -12.00 crore. Overall, the company faced a challenging year despite increased revenues.

Answer:<BR>The historical performance of U. Y. Fincorp shows significant fluctuations in key financial metrics over the years.<BR><BR>Breakdown:<BR>U. Y. Fincorp's net sales experienced a substantial increase from INR 13.99 crore in March 2021 to INR 83.67 crore in March 2022, marking a notable recovery from previous years. The total operating income followed a similar trend, rising to INR 83.67 crore in March 2022 from INR 13.99 crore in the prior year. However, the total expenditure also surged to INR 79.36 crore in March 2022 from INR 1.61 crore in March 2021, leading to an operating profit of INR 4.31 crore, down from INR 12.38 crore in March 2021. Profit before tax decreased to INR 4.25 crore in March 2022 from INR 12.53 crore in March 2021, while profit after tax fell to INR 3.21 crore from INR 9.49 crore in the same period. The consolidated net profit showed a decline to INR 8.19 crore in March 2022 from INR 10.69 crore in March 2021. The company's total assets increased to INR 304.30 crore in March 2022 from INR 273.83 crore in March 2021, while total liabilities also rose to INR 304.30 crore from INR 273.83 crore. Cash flow from operating activities turned negative at INR -12.00 crore in March 2022, contrasting with a positive cash flow of INR 4.00 crore in March 2021. Overall, U. Y. Fincorp's financial performance reflects a challenging year with increased revenues but declining profits and cash flow.

Who are the top shareholders of the U. Y. Fincorp?

The top shareholders of U. Y. Fincorp include Udai Kothari with 23.21%, Main Land Finance Pvt. Ltd. at 2.26%, and individual investors collectively owning 16.28%. There are no pledged promoter holdings or mutual fund investments in the company.

The top shareholders of U. Y. Fincorp include the promoters, with Udai Kothari being the individual with the highest holding at 23.21%. There are no pledged promoter holdings, and the company has no mutual funds invested in it. Additionally, two foreign institutional investors (FIIs) hold a small stake of 0.05%. The highest public shareholder is Main Land Finance Pvt. Ltd., which holds 2.26%. Individual investors collectively own 16.28% of the company.

What is the technical trend for U. Y. Fincorp?

As of June 6, 2025, U. Y. Fincorp's technical trend is mildly bearish, with mixed signals from MACD, Bollinger Bands, and moving averages, indicating weak momentum and caution in both short and long-term outlooks.

As of 6 June 2025, the technical trend for U. Y. Fincorp has changed from bearish to mildly bearish. The weekly MACD indicates a mildly bullish stance, while the monthly MACD remains bearish, suggesting mixed signals across time frames. The Bollinger Bands are mildly bearish on both weekly and monthly charts, reinforcing the overall bearish sentiment. Daily moving averages are bearish, which adds to the caution. The KST shows a mildly bullish trend weekly but bearish monthly, indicating potential short-term strength that is not confirmed in the longer term. The OBV is mildly bearish weekly but mildly bullish monthly, suggesting some divergence in volume trends. Overall, the current stance is mildly bearish with weak bullish signals, indicating a lack of strong momentum in either direction.

Has U. Y. Fincorp declared dividend?

U. Y. Fincorp has declared a 1% dividend, amounting to $0.05 per share, with an ex-date of September 18, 2018. Despite the dividend declaration, the yield is 0%, and total returns have varied significantly, showing substantial gains over longer periods but recent declines in shorter terms.

U. Y. Fincorp has declared a 1% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 1%<BR>- Amount per share: 0.05<BR>- Ex-date: 18 Sep 18<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was -31.16%, the dividend return was 0%, resulting in a total return of -31.16%.<BR><BR>For the 1-year period, the price return was -27.4%, the dividend return was 0%, leading to a total return of -27.4%.<BR><BR>Over the 2-year period, the price return was -9.17%, with a dividend return of 0%, resulting in a total return of -9.17%.<BR><BR>In the 3-year period, the price return was 47.73%, the dividend return was 0%, culminating in a total return of 47.73%.<BR><BR>For the 4-year period, the price return was 240.75%, with a dividend return of 0%, resulting in a total return of 240.75%.<BR><BR>In the 5-year period, the price return was 1107.28%, while the dividend return was 0%, leading to a total return of 1107.28%.<BR><BR>Overall, while U. Y. Fincorp has declared a dividend, the yield remains at 0%, indicating that the dividend has not significantly contributed to returns. The total returns show a mixed performance, with significant gains over longer periods despite recent declines in shorter terms.