UY Fincorp Ltd Stock Analysis

BSE: 530579 | NSE: | Finance - NBFC | Small Cap

BSE Share Price 21-Mar-2023 18:01
12.71 0.01 (0.08%)

DeciZen - Make an Informed Decision on UY Fincorp

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity

1. Quality

2. Valuation

Somewhat overvalued

3. Price Trend

UY Fincorp Price Chart

P/E Ratio ( SA) :
Market Cap :
241.6 Cr.
52-wk low :
52-wk high :
Bole Toh?

1. Is UY Fincorp Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that UY Fincorp Ltd is a below average quality company.

2. Is UY Fincorp Ltd undervalued or overvalued?

The key valuation ratios of UY Fincorp Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is UY Fincorp Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of UY Fincorp Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of UY Fincorp:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
UY Fincorp Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Operating Income (₹ Cr.)76.213.218124.525.923.62017.21483.725
YoY Gr. Rt. %--82.7%1270.4%-86.5%5.8%-9.1%-15.1%-14%-18.7%498.1%-
Adj EPS (₹ )
YoY Gr. Rt. %--62.1%172.7%26.7%57.9%1.7%-65.6%-33.3%257.1%-66%-
BVPS (₹ )13.514.411.311.712.312.912.912.212.712.913.3
YoY Gr. Rt. %-6.7%-21.8%3.4%5.2%5%0%-5%4.1%1.3%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)


CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income1%26.4%61.1%498.1%
Adj EPS-5.8%-22.3%-6.8%-66%
Share Price 5.2% 10.8% 95.5% 11.1%

Key Financial Ratios

RATIOS \ YEARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Net Profit Margin (%)
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 10.60%

Total Income has increased 61.10 CAGR in last 3 years

Net Profit has declined -6.80 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - UY Fincorp Ltd.

Standalone Consolidated
TTM EPS (₹) 1.4 -0
TTM Sales (₹ Cr.) 24.8 14
BVPS (₹.) 13.3 13.1
Reserves (₹ Cr.) 157 154
P/BV 0.96 0.97
PE 9.23 0.00
From the Market
52 Week Low / High (₹) 7.61 / 18.33
All Time Low / High (₹) 0.70 / 43.19
Market Cap (₹ Cr.) 242
Equity (₹ Cr.) 95.1
Face Value (₹) 5
Industry PE 22

Management X-Ray of UY Fincorp :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of UY Fincorp

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)


UY Fincorp Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of UY Fincorp on 21-Mar-2023 18:01 is : 12.71.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 21-Mar-2023 18:01 the market cap of UY Fincorp stood at ₹ 241.6.
The latest PE ratio of UY Fincorp as of 21-Mar-2023 18:01 is 9.23.
The latest PB ratio of UY Fincorp as of 21-Mar-2023 18:01 is 0.96
The 52-week high of UY Fincorp is ₹ 18.33 and the 52-week low is ₹ 7.61.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue / sales of UY Fincorp is ₹ 24.81 ( Cr.) .

About UY Fincorp Ltd

Golden Securities was originally incorporated with the Registrar of Companies, West Bengal on October 7, 1993 as Golden Securities Private Limited. Pursuant to shareholders resolution dated November 30, 1994 the company was converted into Public Limited Company and the name was changed to Golden Securities Limited. Fresh certificate of incorporation consequent to such change of name was issued by the Registrar of Companies, West Bengal vide certificate dated December 13, 1994.

In 2011 the name of the Company has changed from Golden Securities Ltd. to Golden Goenka Fincorp Ltd.

In the year 2000, the company started a training centre for teaching computer operations and is planning to further development of software and exploring the export market relating to Information Technology, Medical Transcription, E-Commerce and other sphere of activities. The registered office of the company is located at Kolkata, India.

Business of the company:

Being a non-banking financial company, it is in the business of share investment, assets financing, investment banking, equipment lease and finance and bill discounting for reputed companies.

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