Check Before You Invest : Unifinz Capital India Ltd

Snapshot

Q.1 Which industry/sub-sector does Unifinz Capital India Ltd belong to?

Unifinz Capital India Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Unifinz Capital India Ltd a good quality company?

Unifinz Capital India Ltd is a average quality company, based on a somewhat consistent 10-year financial track record.

Q.3 Is Unifinz Capital India Ltd undervalued or overvalued?

Unifinz Capital India Ltd appears Somewhat Undervalued, as its key valuation ratios are below with their past averages.

Q.4 Is Unifinz Capital India Ltd a good buy now?

Unifinz Capital India Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Total Income growth of Unifinz Capital India Ltd?

Unifinz Capital India Ltd Operating Income growth is 307.21% for FY-2025, which is above its 5-year CAGR of 148.52%, indicating faster growth.

Q.2 Return on Assets of Unifinz Capital India Ltd?

Unifinz Capital India Ltd Return on Asset is 24.8%, which is above its 5-year historical median of 8.3%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM%	16.53	16.53
PPOP%	-	-
RoA%	24.8	8.3

Q.3 Return on Equity (ROE) of Unifinz Capital India Ltd?

Unifinz Capital India Ltd Return on Equity is 49.4% for FY-2025, which is above its 5-year historical median of 9.9%, indicating the business is making better use of its shareholders capital.

Q.4 Net Profit Margin of Unifinz Capital India Ltd?

Unifinz Capital India Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 16.53% for FY-2025, which is in line with its 5-year median( 16.53%), indicating stable margins.

Q.5 Total Asset growth of Unifinz Capital India Ltd?

Unifinz Capital India Ltd Total Asset growth is 235.14% for FY-2025, which is above its 5-year CAGR of 90.06%, indicating faster growth.

Q.6 Capital Adequacy ratio of Unifinz Capital India Ltd?

Unifinz Capital India Ltd Capital Adequacy ratio (CAR) is 52.5% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Unifinz Capital India Ltd?

Promoters hold 24.64% of the Unifinz Capital India Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Unifinz Capital India Ltd vs Industry Peers?

Unifinz Capital India Ltd AUM CAGR is 90.06%, compared to the 5-year industry median CAGR of 9.9%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Unifinz Capital India Ltd vs industry peers

Unifinz Capital India Ltd profit metrics are above the industry median level of 7.31%, indicating stronger profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	16.53	15.95
PPOP%	-	4.54
RoA%	24.8	1.45

Q.3 Operating efficiency of Unifinz Capital India Ltd vs industry peers?

Unifinz Capital India Ltd ROCE (10.3) is above the industry median of (4.4); while the current ROE (9.9) are above than the 5-year average Industry ROE (2.7). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	16.53	15.95
PPOP%	-	4.54
RoA%	24.8	1.45
ROCE%	47.1	4.4
ROE%	49.4	2.7

Valuation & price assessment

Q.1 Stock return of Unifinz Capital India Ltd over the last decade?

Over the last 5 years, the stock has delivered a CAGR of 10.35% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	-	10.4%	111.2%	-19.4%

Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	5.88	29.05	28.96
Price to Book	2.45	5.21	1.11
Price to Sales	1.09	2.72	9.10
EV to EBITDA	4.4	19.88	11.77

Q.4 Valuation ratios of Unifinz Capital India Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 2.45% is lower than its historical median of 5.21%, indicating that at the current price the stock is undervalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?

Unifinz Capital India Ltd return on invested capital (ROIC) is 34.95% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

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