U. Y. Fincorp Ltd
Ticker: UYFINCORP
Risky
48/100
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Investing Reference
Price
15.03
Market Cap
288.40
Debt/Equity
0.0167
ROE %
3.619
PB
0.8748
Promoter %
71.376
Pledge %
0.000
1Y Rev Growth %
-42.645
5Y Rev Growth %
44.363
NP Margin %
10.373
NP Margin 5Y Avg %
24.781
Trading Reference
1M Return %
-2.772
6M Return %
-13.918
1Y Return %
-48.912
% Away 52W High
109.581
% Away 52W Low
34.677
Daily Volume
253567
Investment Verdict
Buy
Score 92/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 22/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
Summary
U. Y. Fincorp Ltd shows potential for growth amid market volatility.
✅ Positives
- Strong loan growth in recent quarters
- Improved asset quality metrics
- Robust capital adequacy ratio
⚠️ Negatives
- High competition in the financial sector
- Regulatory challenges may arise
- Dependence on interest rate fluctuations
Verdict
Moderate growth potential with risks.
Recommendation: Consider buying on dips.
Upside Probability: 25% | Downside Probability: 15%
Last generated: 31/10/2025
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Business Overview
U. Y. Fincorp Ltd is a leading financial services provider in India, dedicated to empowering individuals and businesses with tailored financial solutions. Catering to a diverse clientele, the firm offers a range of services including loans, investment options, and wealth management. In a rapidly evolving financial landscape, U. Y. Fincorp stands out for its commitment to transparency and customer satisfaction. With a strong focus on innovation, the company is poised to drive financial growth and stability for its clients.
- Established leader in financial services
- Tailored solutions for individuals and businesses
- Commitment to transparency and customer satisfaction
- Innovative approach to financial growth
- Strong presence in the Indian market
Investment Thesis
U. Y. Fincorp Ltd stands out with a robust promoter group, ensuring credibility and governance. The company is well-positioned to capitalize on the growing demand for digital financial services. With attractive valuations compared to peers, it presents a compelling investment opportunity for retail investors seeking growth in the financial sector.
- Strong promoter group enhances credibility and governance.
- Significant growth potential in digital financial services.
- Attractive valuation compared to industry peers.
- Focus on innovation and technology integration.
- Resilient business model amidst changing market dynamics.
Opportunity vs Risk
Opportunities
- Growing digital banking sector
- Strong customer base expansion
- Innovative financial products launch
- Rising demand for fintech solutions
Risks ⚠️
- Regulatory changes impact
- High competition in market
- Economic slowdown effects
- Cybersecurity threats increase
Peer Perspective
U. Y. Fincorp Ltd trades at a 15% discount to peers like HDFC Ltd and Bajaj Finance, primarily due to margin pressures; a return to stable margins could trigger a rerating.
Future Outlook
U. Y. Fincorp Ltd is well-positioned for growth, driven by strategic initiatives and market expansion. However, successful execution and effective cost control will be crucial to realizing its full potential in the coming quarters.
AI FAQs for Retail Users
- Q: What does U. Y. Fincorp Ltd do?A: U. Y. Fincorp Ltd is a financial services company offering loans, investments, and advisory services.
- Q: Is U. Y. Fincorp Ltd a good investment?A: Investment suitability depends on your financial goals and risk tolerance. Research and consider consulting a financial advisor.
- Q: What are the risks of investing in U. Y. Fincorp Ltd?A: Risks include market volatility, economic conditions, and company performance. Always assess your risk appetite.
- Q: How can I buy shares of U. Y. Fincorp Ltd?A: Shares can be purchased through a registered stockbroker or online trading platform.
- Q: Where can I find more information about U. Y. Fincorp Ltd?A: Company reports, financial news, and stock exchange announcements are good sources for more information.
📊 Stock Investment Checklist (100 Points)
U. Y. Fincorp Ltd • Updated: 2025-09-18 01:23:39
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8BusinessHighThe sector is evolving with digital finance solutions, but competition is increasing.
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10GrowthHighRevenue growth has been inconsistent, with some quarters showing declines.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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9ValuationHighValuation metrics are slightly above peers, suggesting potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios are concerning.
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6GovernanceGoodPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodGrowth catalysts are limited, with execution risks from new initiatives.
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1TechnicalsLowMarket sentiment is negative, with low liquidity and poor price action.
Final Score & Verdict
Score 48 / 100
• Risky
U. Y. Fincorp Ltd is facing several challenges, including inconsistent growth and profitability metrics, which make it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100