Unifinz Capital India Ltd
Ticker: UCIL
Risky
48/100
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Investing Reference
Price
540.00
Market Cap
478.10
Debt/Equity
0.4248
ROE %
49.360
PB
6.1658
Promoter %
24.983
Pledge %
0.000
1Y Rev Growth %
309.018
5Y Rev Growth %
144.724
NP Margin %
16.433
NP Margin 5Y Avg %
18.777
Trading Reference
1M Return %
-4.271
6M Return %
-18.182
1Y Return %
58.381
% Away 52W High
24.944
% Away 52W Low
138.832
Daily Volume
409
Investment Verdict
Hold
Score 61/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
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.
AI Probability Statement
Probability Statement
Unifinz Capital India Ltd is currently trading near a key support level, with the 50-day EMA indicating potential upward momentum if it breaks resistance at the recent high. Volume trends suggest increased interest, which could lead to a bullish outlook in the medium term.
Upside Probability: 25% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Unifinz Capital India Ltd is a leading financial services provider dedicated to empowering individuals and businesses through innovative investment solutions. Catering to a diverse clientele, including retail and institutional investors, Unifinz focuses on delivering exceptional value and growth opportunities. With a commitment to transparency and client satisfaction, the company stands out in the competitive landscape of financial services in India. Unifinz is your trusted partner in navigating the complexities of investment, ensuring a secure and prosperous financial future.
- Leading financial services provider in India
- Empowers individuals and businesses
- Focus on innovative investment solutions
- Commitment to transparency and client satisfaction
- Trusted partner for navigating investments
- Delivers exceptional value and growth opportunities
Investment Thesis
Unifinz Capital India Ltd stands out with a robust promoter group that enhances its credibility in the market. The company is poised for significant growth in digital services, tapping into the expanding digital economy. Additionally, its current valuation is attractive compared to peers, presenting a compelling investment opportunity for retail investors.
- Strong promoter group with a proven track record.
- Significant growth potential in digital services sector.
- Attractive valuation compared to industry peers.
- Strategic initiatives to enhance market presence.
- Focus on innovation and technology adoption.
Opportunity vs Risk
Opportunities
- Strong growth in fintech sector
- Expanding customer base in India
- Innovative product offerings
- Strategic partnerships with banks
Risks ⚠️
- Regulatory changes impacting operations
- High competition in the market
- Economic slowdown affecting consumer spending
- Dependence on technology infrastructure
Peer Perspective
Unifinz Capital India Ltd trades at a 15% discount to peers like HDFC Bank and ICICI Bank, primarily due to margin volatility; a stabilization in margins could trigger a rerating towards its competitors.
Future Outlook
Unifinz Capital India Ltd is well-positioned for growth, leveraging strong market demand. However, successful execution and stringent cost control will be crucial to maximize shareholder value in the coming quarters.
AI FAQs for Retail Users
- Q: What does Unifinz Capital India Ltd do?A: Unifinz Capital India Ltd focuses on providing financial services and investment solutions in India.
- Q: Is Unifinz Capital a good investment?A: Investing depends on individual goals and market conditions. Research and consult a financial advisor before investing.
- Q: What are the risks of investing in Unifinz Capital?A: Like all stocks, risks include market volatility, economic changes, and company performance.
- Q: How can I buy shares of Unifinz Capital?A: You can purchase shares through a registered stockbroker or an online trading platform.
- Q: Where can I find more information about Unifinz Capital?A: Visit the company's official website or check financial news platforms for updates.
📊 Stock Investment Checklist (100 Points)
Unifinz Capital India Ltd • Updated: 2025-09-18 07:46:04
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10BusinessHighThe sector shows potential with increasing demand for financial services, but competition is high.
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10GrowthHighRevenue growth has been inconsistent, with some quarters showing declines.
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8ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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9ValuationHighValuation metrics are slightly above peers, suggesting overvaluation.
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6BalanceGoodModerate debt levels with adequate liquidity but limited reserves.
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7GovernanceHighPromoter holding is reasonable, but there are concerns about transparency.
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5DriversGoodGrowth drivers are limited, with execution risks present in expansion plans.
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1TechnicalsLowMarket sentiment is negative, with low liquidity and poor price action.
Final Score & Verdict
Score 48 / 100
• Risky
Unifinz Capital India Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100