U. Y. Fincorp Limited (BOM:530579)

U. Y. Fincorp Statistics

Total Valuation

U. Y. Fincorp has a market cap or net worth of INR 2.46 billion. The enterprise value is 2.30 billion.

Market Cap	2.46B
Enterprise Value	2.30B

Important Dates

The next estimated earnings date is Monday, February 9, 2026.

Earnings Date	Feb 9, 2026
Ex-Dividend Date	n/a

Share Statistics

U. Y. Fincorp has 190.24 million shares outstanding. The number of shares has increased by 0.02% in one year.

Current Share Class	190.24M
Shares Outstanding	190.24M
Shares Change (YoY)	+0.02%
Shares Change (QoQ)	-2.23%
Owned by Insiders (%)	44.84%
Owned by Institutions (%)	2.21%
Float	50.32M

Valuation Ratios

The trailing PE ratio is 14.26.

PE Ratio	14.26
Forward PE	n/a
PS Ratio	3.02
PB Ratio	0.72
P/TBV Ratio	0.72
P/FCF Ratio	17.24
P/OCF Ratio	23.07
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.76, with an EV/FCF ratio of 16.14.

EV / Earnings	13.35
EV / Sales	2.83
EV / EBITDA	8.76
EV / EBIT	9.44
EV / FCF	16.14

Financial Position

The company has a current ratio of 97.58, with a Debt / Equity ratio of 0.01.

Current Ratio	97.58
Quick Ratio	6.04
Debt / Equity	0.01
Debt / EBITDA	0.15
Debt / FCF	0.28
Interest Coverage	34.97

Financial Efficiency

Return on equity (ROE) is 5.14% and return on invested capital (ROIC) is 5.42%.

Return on Equity (ROE)	5.14%
Return on Assets (ROA)	4.37%
Return on Invested Capital (ROIC)	5.42%
Return on Capital Employed (ROCE)	6.86%
Weighted Average Cost of Capital (WACC)	3.17%
Revenue Per Employee	31.28M
Profits Per Employee	6.63M
Employee Count	26
Asset Turnover	0.23
Inventory Turnover	2.73

Taxes

In the past 12 months, U. Y. Fincorp has paid 64.38 million in taxes.

Income Tax	64.38M
Effective Tax Rate	27.19%

Stock Price Statistics

The stock price has decreased by -47.16% in the last 52 weeks. The beta is -0.22, so U. Y. Fincorp's price volatility has been lower than the market average.

Beta (5Y)	-0.22
52-Week Price Change	-47.16%
50-Day Moving Average	14.29
200-Day Moving Average	16.06
Relative Strength Index (RSI)	43.45
Average Volume (20 Days)	7,374

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, U. Y. Fincorp had revenue of INR 813.24 million and earned 172.38 million in profits. Earnings per share was 0.91.

Revenue	813.24M
Gross Profit	358.23M
Operating Income	243.72M
Pretax Income	236.75M
Net Income	172.38M
EBITDA	262.60M
EBIT	243.72M
Earnings Per Share (EPS)	0.91

Balance Sheet

The company has 196.06 million in cash and 39.49 million in debt, with a net cash position of 156.57 million or 0.82 per share.

Cash & Cash Equivalents	196.06M
Total Debt	39.49M
Net Cash	156.57M
Net Cash Per Share	0.82
Equity (Book Value)	3.44B
Book Value Per Share	18.26
Working Capital	3.13B

Cash Flow

In the last 12 months, operating cash flow was 106.52 million and capital expenditures 36.04 million, giving a free cash flow of 142.57 million.

Operating Cash Flow	106.52M
Capital Expenditures	36.04M
Free Cash Flow	142.57M
FCF Per Share	0.75

Margins

Gross margin is 44.05%, with operating and profit margins of 29.97% and 21.20%.

Gross Margin	44.05%
Operating Margin	29.97%
Pretax Margin	29.11%
Profit Margin	21.20%
EBITDA Margin	32.29%
EBIT Margin	29.97%
FCF Margin	17.53%

Dividends & Yields

U. Y. Fincorp does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.02%
Shareholder Yield	-0.02%
Earnings Yield	7.01%
FCF Yield	5.80%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 3, 2012. It was a forward split with a ratio of 2.

Last Split Date	May 3, 2012
Split Type	Forward
Split Ratio	2

Scores

Altman Z-Score	n/a
Piotroski F-Score	5