U. Y. Fincorp

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

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

As of 05-Sep, U. Y. Fincorp Ltd's stock price is 19.87, down 0.3%. Despite this minor decline, the stock has shown strong year-to-date performance with a 42.64% gain, outpacing the Sensex, and has seen increased investor interest.

As of 05-Sep, U. Y. Fincorp Ltd's stock price is currently at 19.87, reflecting a slight decline of 0.06 or 0.3%. Despite this minor drop, the stock has shown positive performance over various time frames. Over the past week, it has increased by 0.66%, and in the last month, it has risen by 3.01%. Year-to-date, the stock has performed exceptionally well, with a gain of 42.64%, significantly outperforming the Sensex, which has declined by 10.21% during the same period. <BR><BR>Additionally, the stock has been on a positive trajectory, gaining for the last two days with a total return of 3.68% in that period. However, it is important to note that today, the stock underperformed its sector by 0.78%. The moving averages indicate that the stock is currently higher than the 5-day, 50-day, 100-day, and 200-day moving averages, but lower than the 20-day moving average, suggesting some volatility in the short term. <BR><BR>Investor participation has increased, with delivery volume rising by 96.7% compared to the 5-day average, indicating growing interest in the stock. Despite the current price decline, the overall trend and investor engagement suggest a complex picture where the stock has been performing well over the longer term, even as it experiences short-term fluctuations.

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

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 need more details about any specific member or their roles, feel free to ask!

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 60 Cr and a net profit of 20 Cr for June 2026. The company has a market cap of INR 376 Cr and key metrics include a P/E of 6.00 and a return on equity of 15.92%.

Overview:<BR>U. Y. Fincorp Ltd is a Non-Banking Financial Company (NBFC) operating in the micro cap market segment.<BR><BR>History:<BR>The company was originally incorporated in 1993 as 'Golden Securities Private Limited', later becoming a public limited company and changing its name to "Golden Securities Limited" in 1994. It underwent further name changes, becoming Golden Goenka Fincorp Limited in 2011 and finally U. Y. Fincorp Ltd. The most recent quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 60 Cr (Quarterly Results - Jun 2026)<BR>- Net Profit: 20 Cr (Quarterly Results - Jun 2026)<BR>- Market cap: INR 376 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: 6.00<BR>- Industry P/E: 21<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 0.01<BR>- Return on Equity: 15.92%<BR>- Price to Book: 0.96<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

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

U. Y. Fincorp's peers include Akme Fintrade, Muthoot Cap.Serv, Kalind, and others, with varying management and growth risks. U. Y. Fincorp has a 1-year return of 60.91%, outperforming Muthoot Cap.Serv, which has the lowest return at -11.06%.

Peers: The peers of U. Y. Fincorp are Akme Fintrade, Muthoot Cap.Serv, Kalind, Avonmore Capital, MKVentures Cap., Moneyboxx Fin., Capital Trade Lk, Fundviser Capit., Indl. Inv. Trust.<BR><BR>Quality Snapshot: Excellent management risk is observed at Akme Fintrade, Kalind, Moneyboxx Fin., and U. Y. Fincorp, while Average management risk is found at Avonmore Capital and MKVentures Cap. Below Average management risk is present in Muthoot Cap.Serv, Capital Trade Lk, Fundviser Capit., Indl. Inv. Trust, and the rest. For growth, Excellent growth is seen at Akme Fintrade, Kalind, Moneyboxx Fin., and U. Y. Fincorp, while Average growth is noted at Avonmore Capital and Indl. Inv. Trust, with Below Average growth at Muthoot Cap.Serv, MKVentures Cap., Capital Trade Lk, Fundviser Capit., and the rest. Excellent capital structure is held by Akme Fintrade, Kalind, Muthoot Cap.Serv, Avonmore Capital, MKVentures Cap., Moneyboxx Fin., U. Y. Fincorp, Capital Trade Lk, and Indl. Inv. Trust, while Below Average capital structure is found at Fundviser Capit.<BR><BR>Return Snapshot: The peer with the highest 1-year return is P. H. Capital at 482.19%, while the lowest is Muthoot Cap.Serv at -11.06%. U. Y. Fincorp's 1-year return of 60.91% is significantly higher than Muthoot Cap.Serv's. Additionally, peers with negative six-month returns include Kalind, Moneyboxx Fin., and MKVentures Cap.

How big is U. Y. Fincorp?

As of 31st August, U. Y. Fincorp Ltd has a market capitalization of 376.00 Cr and reported Net Sales of 63.40 Cr with a Net Profit loss of 0.66 Cr over the latest four quarters. As of March 2022, Shareholder's Funds were 244.29 Cr and Total Assets were 304.30 Cr.

As of 31st August, U. Y. Fincorp Ltd has a market capitalization of 376.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four 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 amounted to 244.29 Cr, and Total Assets were reported at 304.30 Cr.

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.

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.