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U. Y. FinLtdNon Banking Financial Company (NBFC)INE152C01025Standalone₹19.25-0.25 (-1.28%)Jun-26

Valuation

Market Cap₹366.21 Cr

TTM PE5.90x

Forward PE5.10x

PEG0.21

Book Value₹20.45

P/B0.94x

TTM EPS₹3.26

Fwd EPS₹3.77

TTM Revenue₹212.35 Cr

TTM PAT₹61.93 Cr

Last Qtr PAT₹19.62 Cr

Profitability

ROE15.92%

ROCE22.00%

TTM NPM29.16%

Curr OPM27.05%

Last OPM24.42%

Curr NPM—

Last NPM—

Curr EPS₹1.03

Last EPS₹0.92

Balance sheet

Equity₹95.12 Cr

Reserve₹293.86 Cr

Total Debt₹3.35 Cr

D/E0.01x

Interest %0.36%

Curr Interest₹0.07 Cr

Price / range

Close₹19.25

vs 52W High-13.95%

vs 52W Low+67.39%

MA50—

MA200—

Returns

1D-1.28%

1W-2.58%

1M-6.82%

3M+33.68%

6M+41.96%

1Y+44.85%

2Y-23.49%

3Y-28.52%

5Y+20.77%

Diwali+35.56%

Sector peers — Non Banking Financial Company (NBFC)

Company	Close	Mkt Cap	TTM P/E	ROE
BAJFINANCE	1040.30	₹6.48L Cr	34.01	16.68%
SHRIRAMFIN	1010.00	₹2.38L Cr	18.81	19.04%
CHOLAFIN	1800.00	₹1.53L Cr	26.60	18.84%
TATACAP	351.35	₹1.49L Cr	40.62	7.92%
MUTHOOTFIN	2841.10	₹1.14L Cr	10.72	27.19%
SBICARD	651.15	₹61.96K Cr	27.24	14.47%
HDBFS	698.40	₹57.99K Cr	20.99	13.36%
SUNDARMFIN	4730.60	₹52.56K Cr	27.27	12.94%

Financial Results

Quarterly and yearly P&L · YoY % on Revenue, Total Income, Expenditure, PBT, Net Profit and EPS

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	72.54+230.5%	70.40	42.17	27.24	21.95	161.77
Other Income	0	1.01	0.46	0.42	0.37	1.13
Total Income	72.54+225.0%	71.41	42.63	27.66	22.32	162.90
Interest	0.07	0.08	0.08	0.34	0.12	0.62
Expenditure	-46.84-229.9%	-46.20	-20.24	-16.74	-14.20	-96.26
PBDT	0	0	0	0	0	0
Depreciation	-0.31	-0.49	-0.49	-0.48	-0.48	-1.93
PBT	25.70+216.5%	25.21	22.39	10.92	8.12	66.64
Tax	-6.08	-7.78	-5.61	-2.82	-2.16	-18.36
Equity	95.12	95.12	95.12	95.12	95.12	95.12
OPM	35.43	35.30	52.52	39.48	36.38	40.91
Net Profit	19.62+228.6%	17.44	16.78	8.09	5.97	48.28
NPM	27.05	24.42	39.36	29.25	26.75	29.64
EPS	1.03+232.3%	0.92	0.88	0.43	0.31	2.54

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 18-19	FY 17-18	FY 16-17	FY 15-16
Revenue	161.77+45.0%	111.56	20.01-15.1%	23.58-9.1%	25.94+5.8%	24.51
Other Income	1.13	1.43	0.01	0.02	0.04	0.15
Total Income	162.90+44.2%	112.99	20.02-15.2%	23.60-9.2%	25.98+5.4%	24.66
Expenditure	-96.26-0.2%	-96.06	-7.48-7.3%	-6.97+10.3%	-7.77+33.1%	-11.62
Interest	-0.62	-0.91	0	0	0	0
PBDT	0	0	0	16.63	18.12	13.04
Depreciation	-1.93	-1.05	-0.18	-0.15	0	-0.12
PBT	66.64+293.4%	16.94	12.54-23.9%	16.48-9.1%	18.12+40.2%	12.92
Tax	-18.36	-5.21	-4.40	-4.96	-6.74	-5.60
Equity	95.12	95.12	0	0	95.12	95.12
OPM (%)	40.91	14.99	63.00	70.53	69.85	53.20
Net Profit	48.28+311.6%	11.73	8.14-29.3%	11.52+1.2%	11.38+55.5%	7.32
NPM (%)	29.64	10.38	41.00	48.85	43.87	29.87
EPS (Rs)	2.54+309.7%	0.62	0.43-29.5%	0.61	0-100.0%	0.38
CEPS	2.54	0.62	0.43	0	0.60	0.39

Metric	FY25-26
Revenue	161.77
Other Income	1.13
Total Income	162.90
Interest	0.62
Expenditure	-96.26
PBDT	0
Depreciation	-1.93
PBT	66.64
Tax	-18.36
Equity	95.12
OPM	40.91
Net Profit	48.28
NPM	29.64
EPS	2.54

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25
Revenue	161.77+45.0%	111.56
Other Income	1.13	1.43
Total Income	162.90+44.2%	112.99
Expenditure	-96.26-0.2%	-96.06
Interest	-0.62	-0.91
PBDT	0	0
Depreciation	-1.93	-1.05
PBT	66.64+293.4%	16.94
Tax	-18.36	-5.21
Equity	95.12	95.12
OPM (%)	40.91	14.99
Net Profit	48.28+311.6%	11.73
NPM (%)	29.64	10.38
EPS (Rs)	2.54+309.7%	0.62
CEPS	2.54	0.62

Corporate Actions

Dividends, bonus issues, and stock splits

Dividend

Year	Type	Amount	Ex-Date
2018	Final Dividend	0.05	18 Sep 2018
2013	Interim Dividend	0.2	12 Jul 2012
2012	Interim Dividend	0.4	26 Mar 2012

Bonus

No bonus history.

Split

Year	Ratio	Ex-Date
2012	Rs.10/- to Rs.5/-	03 May 2012

Financial Results

Standalone

Yearly results

Yearly

Consolidated

Yearly results

Yearly

Corporate Actions

Dividend

Bonus

Split