U. Y. Fincorp Ltd

U. Y. Fincorp Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

U. Y. Fincorp Ltd

₹ 30.2 2.72%
06 Nov - close price
uyfincorp.com BSE: 530579 NSE: UYFINCORP
About

Incorporated in 1993, U. Y. Fincorp Ltd is
in the business of Financial and Related Services[1]

Key Points

Business Overview:[1]
UYFL is a RBI registered Non Systematically Important Non Deposit Taking - Non-Banking Financial Company. It is primarily focused
on providing inter-corporate loans, personal loans, and investments & trading in securities

Website BSE NSE
  • Market Cap ₹ 573 Cr.
  • Current Price ₹ 30.2
  • High / Low ₹ 39.4 / 22.3
  • Stock P/E
  • Book Value ₹ 13.1
  • Dividend Yield 0.00 %
  • ROCE 2.11 %
  • ROE 2.35 %
  • Face Value ₹ 5.00
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Pros

  • Company has reduced debt.
  • Company is almost debt free.

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 1.39% over last 3 years.
  • Company's cost of borrowing seems high

* 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

Consolidated Figures in Rs. Crores / View Standalone

Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
5.21 2.02 4.61 4.35 3.84 7.45 -1.65 10.07 35.04 15.92 22.64 9.57 15.27
3.32 2.88 12.96 0.49 0.48 -1.32 2.70 1.94 31.47 49.11 -2.85 7.53 11.59
Operating Profit 1.89 -0.86 -8.35 3.86 3.36 8.77 -4.35 8.13 3.57 -33.19 25.49 2.04 3.68
OPM % 36.28% -42.57% -181.13% 88.74% 87.50% 117.72% 80.73% 10.19% -208.48% 112.59% 21.32% 24.10%
0.39 0.00 0.41 1.25 1.10 0.35 0.27 3.77 1.86 0.56 0.33 -1.87 2.57
Interest 0.16 0.23 0.21 0.19 0.17 0.20 0.21 0.28 0.28 0.28 0.28 0.19 0.10
Depreciation 0.03 0.03 0.04 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.05 0.05 0.05
Profit before tax 2.09 -1.12 -8.19 4.89 4.26 8.89 -4.32 11.58 5.11 -32.95 25.49 -0.07 6.10
Tax % 68.90% -16.96% -10.87% 21.68% 22.30% 26.55% -30.79% 17.79% 21.33% -26.37% 25.85% 685.71% 14.10%
0.64 -0.94 -7.30 3.83 3.31 6.54 -2.98 9.53 4.02 -24.26 18.90 -0.55 5.25
EPS in Rs 0.03 -0.05 -0.38 0.20 0.17 0.34 -0.16 0.50 0.21 -1.28 0.99 -0.03 0.28
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 TTM
96.04 77.18 16.96 185.01 32.53 40.80 39.98 20.01 18.02 15.02 84.90 63.40
92.91 66.52 12.19 174.01 16.59 22.33 23.21 3.72 20.93 1.60 79.37 65.38
Operating Profit 3.13 10.66 4.77 11.00 15.94 18.47 16.77 16.29 -2.91 13.42 5.53 -1.98
OPM % 3.26% 13.81% 28.12% 5.95% 49.00% 45.27% 41.95% 81.41% -16.15% 89.35% 6.51% -3.12%
0.00 0.00 0.48 0.00 -2.69 0.00 0.00 -9.72 0.00 1.20 4.98 1.59
Interest 1.91 7.92 6.57 2.69 0.01 0.00 0.01 0.00 0.71 0.77 1.12 0.85
Depreciation 0.02 0.04 0.21 0.24 0.20 0.15 0.19 0.18 0.14 0.11 0.16 0.19
Profit before tax 1.20 2.70 -1.53 8.07 13.04 18.32 16.57 6.39 -3.76 13.74 9.23 -1.43
Tax % 22.50% 25.19% 7.84% 34.94% 42.94% 36.95% 29.99% 30.99% 48.67% 22.20% 11.27%
1.18 2.04 -1.65 5.24 7.45 11.56 11.60 4.40 -5.59 10.69 8.19 -0.66
EPS in Rs 0.12 0.11 -0.09 0.28 0.39 0.61 0.61 0.23 -0.29 0.56 0.43 -0.04
Dividend Payout % 57.63% 64.22% 0.00% 0.00% 0.00% 0.00% 8.20% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: -1%
5 Years: 16%
3 Years: 62%
TTM: 25%
Compounded Profit Growth
10 Years: 17%
5 Years: -13%
3 Years: -6%
TTM: -104%
Stock Price CAGR
10 Years: 15%
5 Years: 66%
3 Years: 26%
1 Year: 20%
Return on Equity
10 Years: 3%
5 Years: 2%
3 Years: 1%
Last Year: 2%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Sep 2022
Equity Capital 17.00 32.75 34.50 95.12 95.12 95.12 95.12 95.12 95.12 95.12 95.12 95.12
Reserves 11.83 59.83 65.97 119.69 127.14 138.70 150.29 150.62 128.86 140.99 149.17 153.86
56.50 68.05 56.39 0.77 0.00 0.00 2.09 2.67 8.50 14.00 14.00 1.00
0.48 4.88 6.17 2.89 3.89 3.32 4.03 16.22 31.23 29.47 55.28 65.49
Total Liabilities 85.81 165.51 163.03 218.47 226.15 237.14 251.53 264.63 263.71 279.58 313.57 315.47
0.19 0.70 0.76 0.58 0.47 2.50 3.37 1.63 1.10 0.99 1.12 1.04
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 10.74 18.94 29.09 32.08 29.20 24.18 21.92 23.18 31.53 32.56 33.68 34.26
74.88 145.87 133.18 185.81 196.48 210.46 226.24 239.82 231.08 246.03 278.77 280.17
Total Assets 85.81 165.51 163.03 218.47 226.15 237.14 251.53 264.63 263.71 279.58 313.57 315.47

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
-66.07 -66.51 15.83 -48.35 3.47 1.20 -10.27 1.59 18.29 4.79 -12.92
-10.54 -9.59 -7.57 -7.28 3.77 1.97 1.28 -3.01 -24.16 0.10 -0.96
78.96 73.63 -4.66 52.45 -0.07 0.00 2.09 0.17 6.40 4.35 7.74
Net Cash Flow 2.35 -2.47 3.60 -3.18 7.17 3.17 -6.89 -1.24 0.53 9.25 -6.14

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Debtor Days 18.05 0.66 132.79 0.55 3.37 5.37 3.10 13.68 0.00 0.00 0.00
Inventory Days 40.74 24.07 405.60 19.87 201.94 211.59 176.41 101.83
Days Payable 0.00 0.00 0.00 0.00 0.00 0.00 10.38 0.00
Cash Conversion Cycle 58.79 24.73 538.39 20.43 205.31 216.95 169.14 13.68 0.00 0.00 101.83
Working Capital Days 190.37 399.43 1,524.56 318.76 2,021.69 1,715.41 1,972.35 241.69 -194.45 -149.94 -5.63
ROCE % 8.64% 2.87% 5.78% 7.21% 8.03% 6.89% 6.65% -1.27% 5.52% 2.11%

Shareholding Pattern

Numbers in percentages

2 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
61.47% 65.52% 67.98% 68.32% 68.41% 70.51% 70.51% 70.87% 71.38% 71.38% 71.38% 71.38%
38.53% 34.48% 32.01% 31.68% 31.60% 29.49% 29.50% 29.13% 28.62% 28.63% 28.63% 28.61%
No. of Shareholders 5,2687,1717,8717,3057,2367,0536,5166,8818,23915,86915,24415,828

Documents

Announcements

Annual reports