Flash Finance

U. Y. Fincorp LimitedUYFINCORPBank / NBFC

Finance & Investments Latest results: Sep 2022 13 quarters of data
Consolidated Standalone
₹25.09
MCap ₹477 Cr
U. Y. Fincorp Limited — Stock analysis & AI research U. Y. Fincorp Limited — Seasonality — best & worst months U. Y. Fincorp Limited — Technical setup — score, trend, support & resistance U. Y. Fincorp Limited — Live exchange announcements
🏭 Financial Services sector
AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹15 Cr
Interest Earned · Sep 2022
-56.4% YoY
—
Operating Profit · Sep 2022
₹5 Cr
Net Profit · Sep 2022
+30.6% YoY
₹0.28
EPS · Sep 2022
+33.3% YoY
—
Gross NPA % · Sep 2022
—
Net NPA % · Sep 2022

📝 U. Y. Fincorp Limited — results explained

Quarter ended September 2022 (Q2 FY23)

U. Y. Fincorp Limited reported total income of ₹18 crore for the quarter ended September 2022 (Q2 FY23), down 51.7% from ₹37 crore in the same quarter last year, and up 131.7% sequentially over the June 2022 quarter.

Of this, interest earned contributed ₹15 crore and other income ₹3 crore. Net interest income (interest earned minus interest expended of ₹0 crore) worked out to ₹15 crore.

Net profit rose 30.6% year-on-year to ₹5 crore, from ₹4 crore. Earnings per share (EPS) came in at ₹0.28.

Full year and trailing twelve months

For the full year FY22, U. Y. Fincorp Limited posted total income of ₹90 crore, a growth of 431.8% over FY21, with a net profit of ₹8 crore (down 23.5% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹65 crore with a net loss of ₹1 crore.

Valuation snapshot

At the current price of ₹25.09, UYFINCORP has a market capitalisation of ₹477 crore.

Within the Finance & Investments industry, it is the 25th-largest of the 117 companies we track by market value.

Shareholding pattern

As of Mar 2026, promoters held 71.38%, foreign institutional investors (FIIs) 0.06%, public shareholders 28.57% of U. Y. Fincorp Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹477 Cr
Current Price ?
₹25.1
P/E ?
N/A
Industry P/E ?
18.90
P/B ?
1.23
P/S ?
7.34
P/FCF ?
-119.33
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
N/A
Earnings Yield ?
-0.1%
Dividend Yield ?
0.00%
Profitability & Returns
Total Income (TTM) ?
₹65 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹-1 Cr
EPS (TTM) ?
₹-0.03
ROCE ?
N/A
ROE ?
-0.2%
ROA ?
-0.2%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹18 Cr
PAT — latest qtr ?
₹5 Cr
YoY qtr sales growth ?
-51.7%
YoY qtr profit growth ?
30.6%
Sales growth (3y) ?
62%
Sales growth (5y) ?
16%
Profit growth (3y) ?
-6%
Profit growth (5y) ?
-13%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
71.38%
Change in promoter holding ?
0.00%
Pledged percentage ?
N/A
Market
Return 3 months ?
49.8%
Return 6 months ?
74.2%

🗓️ Quarterly results (13 quarters · ₹ Cr)

same fiscal quarter as Sep bestweakest per row · for costs (interest, NPAs) low is best
Metric Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022 YoY % QoQ %
Interest Earned 525447-2103516231015 -56.4% +59.6%
Other Income 00011004210-23 +38.2% +237.4%
Total Income 625658-114371623818 -51.7% +131.7%
Interest Expended 0000000000000 -64.3% -47.4%
Operating Profit ————————————— — —
Provisions ————————————— — —
Profit Before Tax 2-1-8549-4125-3325-06 +19.4% +8814.3%
Net Profit 1-1-7437-3104-2419-15 +30.6% +1054.5%
EPS 0.03-0.05-0.380.200.170.34-0.160.500.21-1.280.99-0.030.28 +33.3% +1033.3%
Gross NPA % — — — — — — — — — — — — — — —
Net NPA % — — — — — — — — — — — — — — —
Capital Adequacy Ratio — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY21 FY22 TTM YoY %
Interest Earned ₹14 Cr ₹84 Cr ₹63 Cr +498.1%
Other Income ₹3 Cr ₹7 Cr ₹2 Cr +119.5%
Total Income ₹17 Cr ₹90 Cr ₹65 Cr +431.8%
Interest Expended ₹1 Cr ₹1 Cr ₹1 Cr +45.5%
Net Interest Income ₹13 Cr ₹83 Cr ₹63 Cr +524.4%
Operating Profit — — — —
Provisions — — — —
Profit Before Tax ₹14 Cr ₹9 Cr ₹-1 Cr -32.7%
Tax — — — —
Net Profit ₹11 Cr ₹8 Cr ₹-1 Cr -23.5%
EPS ₹0.55 ₹0.42 ₹-0.04 -23.6%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 95959595 +0.0%
Reserves 158223235294 +25.1%
Borrowing 1163 -50.0%
Other Liabilities 4181031 +210.0%
Total Liabilities 295327345423 +22.6%
Fixed Assets 1164 -33.3%
CWIP 0000 —
Investments 35192117 -19.0%
Other Assets 259307319403 +26.3%
Total Assets 295327345423 +22.6%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -3-187-5 -171.4%
Cash from Investing Activity 01961 -83.3%
Cash from Financing Activity -0-0-5-3 +40.0%
Net Cash Flow -407-7 -200.0%
Free Cash Flow -3-1813-4 -130.8%
CFO/OP -14%-9%81%-13% -116.0%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 3%23%4%13% +225.0%

👥 Shareholding (latest 4 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026 % Chg
Promoters 71.38%71.38%71.38%71.38% +0.0%
FIIs 0.05%0.72%0.68%0.06% -91.2%
Public 28.57%27.91%27.94%28.57% +2.3%
No. of Shareholders 19,08121,16520,37919,802 -2.8%

⚖️ Peer comparison

Industry: Finance & Investments · top 25 of 117 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 LICI Life Insurance ₹398.20 503,723 8.4 881,845 60,055 -7.5% 6.8% 10.0% 18.9% -43.2% 24.0%
2 SBILIFE SBI Life ₹1,671.70 167,740 67.9 112,315 2,471 0.7% 2.2% -3.9% 2.4% -82.4% -1.1%
3 ICICIGI ICICI Lombard ₹1,508.90 75,386 29.5 27,196 2,556 5.4% 9.4% 12.7% 10.6% -3.2% 15.4%
4 ICICIPRULI ICICI Prudential ₹496.90 72,089 44.8 63,356 1,608 0.3% 2.5% -10.5% 35.7% -79.7% 62.1%
5 GICRE General Insurance ₹337.75 59,255 6.7 51,723 8,877 16.9% 17.2% 6.8% 30.0% -8.6% -31.1%
6 MFSL Max Financial ₹1,585.90 54,444 492.4 49,823 137 0.5% 0.3% 2.6% -73.9% 16.7% 37.5%
7 STARHEALTH Star Health ₹555.55 32,689 38.7 18,509 844 4.4% 4.6% 10.7% -13.8% 16.2% 109.0%
8 NIACL New India ₹171.56 28,273 36.7 49,363 771 -1.3% 1.6% 14.3% 36.4% -3.6% -160.7%
9 GODIGIT Go Digit ₹250.90 23,196 47.1 10,128 492 0.7% 4.9% 6.8% 28.0% 5.5% -37.4%
10 FIVESTAR Five-Star Business ₹549.40 16,218 14.7 3,293 1,103 11.0% 33.5% 13.3% 2.3% 5.9% 2.0%
11 NIVABUPA Niva Bupa ₹74.77 13,830 38.1 7,598 360 4.2% 4.7% 24.6% -38.5% 65.8% 251.4%
12 PRUDENT Prudent Corporate ₹3,123.30 12,933 52.8 1,372 246 24.2% 17.9% 19.5% 13.8% 18.2% 43.8%
13 EDELWEISS Edelweiss Financial ₹126.74 11,996 17.1 10,508 711 27.5% 6.8% 12.5% 27.1% 3.7% 30.5%
14 IIFLCAPS IIFL Capital ₹344.80 10,867 18.8 2,433 572 35.0% 23.5% 0.6% -20.8% 2.3% 4.6%
15 SBFC SBFC Finance ₹87.70 9,745 20.1 1,783 480 9.8% 26.9% 28.6% 30.7% 26.7% 28.8%
16 RELIGARE Religare Enterprises ₹223.35 7,700 n/m 8,953 18 0.7% 0.2% 14.8% -60.3% 26.5% -687.3%
17 PAISALO Paisalo Digital ₹76.83 7,023 29.4 943 237 0.0% 25.1% 22.0% 19.1% 33.8% 56.5%
18 FEDFINA Fedbank Financial ₹150.76 5,655 12.9 2,563 434 12.9% 16.9% 7.1% 52.2% 34.3% 63.4%
19 MASFIN MAS Financial ₹288.85 5,241 13.3 2,092 398 7.1% 19.0% 24.8% 19.4% 20.3% 26.6%
20 NORTHARC Northern Arc ₹301.00 4,865 12.0 2,705 404 0.0% 14.9% 14.8% 34.2% 22.7% 250.0%
21 PILANIINVS Pilani Investment ₹4,020.00 4,451 — 248 -12 87.1% -4.9% -6.4% -68.5% -70.9% -1075.5%
22 SHAREINDIA Share India ₹183.78 4,022 11.1 1,577 364 40.1% 23.1% 1.5% -1.2% 31.4% 48.1%
23 KIRLOSIND Kirloskar Industries ₹3,690.00 3,878 50.6 113 76 71.5% 67.0% 9.0% -2.1% -27.9% -9.4%
24 INDOSTAR IndoStar Capital ₹239.15 3,866 — 1,417 -395 6.6% -27.8% 74.4% 15.7% -76.0% -97.9%
25 UYFINCORP U. Y. ₹19.30 367 5.9 213 62 12.1% 29.0% 44.6% 336.4% 229.7% 226.9%
❓ Frequently asked questions
What was U. Y. Fincorp Limited's total income in Q2 FY23?
U. Y. Fincorp Limited reported total income of ₹18 crore for the quarter ended September 2022 (Q2 FY23), down 51.7% from ₹37 crore in the same quarter last year, and up 131.7% sequentially over the June 2022 quarter.
What was U. Y. Fincorp Limited's net profit in Q2 FY23?
Net profit rose 30.6% year-on-year to ₹5 crore, from ₹4 crore. Earnings per share (EPS) came in at ₹0.28.
What is UYFINCORP's market capitalisation and P/E ratio?
At the current price of ₹25.09, UYFINCORP has a market capitalisation of ₹477 crore.
Who owns U. Y. Fincorp Limited? (shareholding pattern)
As of Mar 2026, promoters held 71.38%, foreign institutional investors (FIIs) 0.06%, public shareholders 28.57% of U. Y. Fincorp Limited.
TTM ends 2022-09-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI