Unifinz Capital India Ltd

Unifinz Capital Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Unifinz Capital India Ltd

₹ 216 1.98%
26 Jul - close price
lendingplate.com BSE: 541358
About

Unifinz Capital India Limited is a NBFC registered with the RBI. lendingplate is the brand name under which the company conducts its lending operations and specialises in meeting customer’s instant financial needs.

Key Points

Business Overview:[1][2]
UCIL is a Non Systematically Important
Non Deposit Taking Non Banking Finance. Company is in the business of advancing loans and investing /trading in securities and present in 224 cities through its branches and online
platform

Website BSE
  • Market Cap ₹ 67.8 Cr.
  • Current Price ₹ 216
  • High / Low ₹ 216 / 34.6
  • Stock P/E
  • Book Value ₹ 11.8
  • Dividend Yield 0.00 %
  • ROCE 9.45 %
  • ROE -26.8 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter

Cons

  • Stock is trading at 18.3 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of -4.33% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Figures in Rs. Crores

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
-0.12 0.12 0.13 0.17 0.07 1.47 2.53 2.46 2.69 4.14 8.74 7.96 8.97
0.34 0.04 0.04 0.22 0.72 1.19 1.49 2.33 3.09 4.20 6.70 7.99 8.01
Operating Profit -0.46 0.08 0.09 -0.05 -0.65 0.28 1.04 0.13 -0.40 -0.06 2.04 -0.03 0.96
OPM % 66.67% 69.23% -29.41% -928.57% 19.05% 41.11% 5.28% -14.87% -1.45% 23.34% -0.38% 10.70%
0.57 1.65 -0.01 0.15 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.01 0.00
Interest 0.00 0.00 0.00 0.00 0.00 0.25 0.35 0.45 0.29 0.47 0.91 1.22 1.31
Depreciation 0.00 0.00 0.00 0.00 0.01 0.11 0.07 0.19 0.19 0.19 0.19 0.19 0.20
Profit before tax 0.11 1.73 0.08 0.10 -0.66 -0.08 0.62 -0.51 -0.88 -0.72 0.95 -1.43 -0.55
Tax % 27.27% 15.03% 25.00% 30.00% -19.70% -25.00% 35.48% -35.29% -36.36% -26.39% 27.37% -25.17% -54.55%
0.08 1.47 0.06 0.07 -0.55 -0.07 0.40 -0.32 -0.56 -0.52 0.69 -1.07 -0.24
EPS in Rs 0.25 4.68 0.19 0.22 -1.75 -0.22 1.27 -1.02 -1.78 -1.66 2.20 -3.41 -0.76
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
0.05 0.01 0.04 0.12 0.18 1.27 1.24 1.39 1.18 2.24 9.15 29.80
0.04 0.03 0.04 0.09 0.14 0.58 1.39 1.39 0.64 1.03 8.09 26.91
Operating Profit 0.01 -0.02 0.00 0.03 0.04 0.69 -0.15 0.00 0.54 1.21 1.06 2.89
OPM % 20.00% -200.00% 0.00% 25.00% 22.22% 54.33% -12.10% 0.00% 45.76% 54.02% 11.58% 9.70%
0.00 0.00 0.00 0.00 0.00 0.00 0.09 0.00 0.00 0.04 0.00 0.03
Interest 0.00 0.00 0.00 0.01 0.04 0.05 0.04 0.00 0.00 0.00 1.34 3.90
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.56 0.76
Profit before tax 0.01 -0.02 0.00 0.02 0.00 0.64 -0.10 0.00 0.54 1.24 -0.84 -1.74
Tax % 0.00% 0.00% 50.00% 26.56% 0.00% 11.11% 14.52% -34.52% -34.48%
0.01 -0.02 0.00 0.01 0.00 0.48 -0.10 0.00 0.49 1.05 -0.55 -1.14
EPS in Rs -0.32 0.00 1.56 3.34 -1.75 -3.63
Dividend Payout % 0.00% 0.00% 57.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 123%
5 Years: 89%
3 Years: 193%
TTM: 226%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -107%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: -12%
1 Year: 468%
Return on Equity
10 Years: 1%
5 Years: -1%
3 Years: -4%
Last Year: -27%

Balance Sheet

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 0.24 0.24 0.24 1.14 1.14 3.14 3.14 3.14 3.14 3.14 3.14 3.14
Reserves 0.23 0.21 1.12 0.22 0.22 0.69 0.65 1.00 2.59 2.11 1.66 0.56
0.00 0.00 0.00 0.61 0.61 1.18 0.64 0.60 0.60 0.55 10.83 26.37
0.02 0.02 0.03 0.01 0.05 1.67 0.19 0.29 0.37 0.39 1.04 9.20
Total Liabilities 0.49 0.47 1.39 1.98 2.02 6.68 4.62 5.03 6.70 6.19 16.67 39.27
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.17 4.78 4.34
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 0.10 0.10 0.02 0.02 0.02 0.02 0.18 0.64 1.77 0.00 0.10 0.07
0.39 0.37 1.37 1.96 2.00 6.66 4.44 4.39 4.93 6.02 11.79 34.86
Total Assets 0.49 0.47 1.39 1.98 2.02 6.68 4.62 5.03 6.70 6.19 16.67 39.27

Cash Flows

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-0.21 -2.55 -1.37 -0.48 -0.71 -0.32 -4.38 -15.93
0.00 0.00 2.49 0.00 0.75 1.48 -0.40 -0.28
-0.04 2.53 -0.58 -0.04 0.00 -0.18 4.17 16.54
Net Cash Flow -0.26 -0.02 0.54 -0.52 0.04 0.98 -0.61 0.34

Ratios

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 0.00 0.00 0.00 0.00 0.00 0.00 170.73 0.00 0.00 0.00 0.00 0.00
Inventory Days 4,801.15 520.89 41.54 0.00
Days Payable 0.00 11.41 8.90
Cash Conversion Cycle 0.00 0.00 0.00 0.00 0.00 4,801.15 680.20 32.64 0.00 0.00 0.00 0.00
Working Capital Days 0.00 -365.00 -273.75 -30.42 -60.83 267.28 688.79 144.42 80.42 -30.96 -21.94 -102.27
ROCE % 2.15% -4.35% 0.00% 1.80% 2.03% 19.77% -1.27% 0.00% 9.76% 20.45% 4.67% 9.45%

Shareholding Pattern

Numbers in percentages

6 Recently
Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024
71.86% 71.86% 71.86% 71.86% 71.85% 71.85% 71.85% 71.85% 71.85% 71.85% 70.44% 70.44%
28.14% 28.14% 28.14% 28.14% 28.14% 28.14% 28.14% 28.14% 28.14% 28.14% 29.55% 29.55%
No. of Shareholders 133136144166180277275263262271339319

Documents

Announcements

Annual reports