U. Y. Fincorp logo

U. Y. Fincorp financials: balance sheet, profit and loss, cash flow

NSE: UYFINCORPBSE: 530579FinanceSmall Cap

U. Y. Fincorp Limited · Face value ₹5 · Listed Jun 1995 on BSE, Oct 2024 on NSE
Last close ₹29.14up ₹1.31 (4.71%)BSE ₹28.78

Share price at the NSE close on 29 Oct 2026. Previous close ₹27.83.

29 Oct: open ₹28.88, high ₹29.20, low ₹27.01

52-week range of traded prices to 29 Oct 2026
₹11.50Low, 30 Mar 2026₹29.20High, 29 Oct 2026
Market cap
₹554 Cr2,212th largest listed
P/E
8.95
P/B
1.43
Dividend yield
Nonein the last 12 months
ROE
17.2%
NIM
25.13%
Cost of funds
13.95%
Credit cost
0.43%
ROA
12.57%
Leverage
1.07times net worth
Volume, NSE
7,22,545

U. Y. Fincorp's financial statements for the 10 years to Mar 2026, as a lender reports them, standalone: the listed company alone, without its subsidiaries, with the twelve months to Jun 2026 after them.

10 years at a glance

Standalone, laid out as a lender that is not a bank files them. A lender's lines are blank for the years to Mar 2017, Mar 2018 and Mar 2019: the company's filing for those results has none of them. A lender's lines are blank for the years to Mar 2024 and Mar 2025: the company's accounts for those years show under half its income as interest, which is not a lender's business.U. Y. Fincorp annual reports

Net interest income, Net profit, ₹ crore

  • Net interest income
  • Net profit
11Mar 1712Mar 188.1Mar 19162.7Mar 20139.5Mar 21203.2Mar 22157.7Mar 2365Mar 2412Mar 258448Mar 26

Net interest margin, Return on assets, per cent

  • Net interest margin
  • Return on assets
25.1%1.1%5.2%7.8%6.1%25.1%3.4%1.1%2.6%12.6%Mar 17Mar 19Mar 21Mar 23Mar 25Mar 26

Income

₹ crore, years to March.

₹ croreMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total income–––18158557––163
Interest earned–––17142116––85
Interest paid–––1110––1
Net interest income–––16132015––84
–––116441––78
Dividends–––0000––0
Other operating revenue–––––6240––77
Income outside operations–––1111––1
The lines under it are parts of it, not all of it.–––226646––94
Profit before provisions–––15121811––68
Set aside for bad loans–––110140––1
Exceptional items–––0000––0
Profit before tax181613513411841767
754231319518
Net profit111283938651248
Other comprehensive income–––−2000000
Total comprehensive income–––01038651248
Earnings per share₹0.60₹0.61₹0.43₹0.02₹0.50₹0.17₹0.41₹3.41₹0.62₹2.54
Diluted earnings per share₹0.60₹0.61₹0.43₹0.02₹0.50₹0.17₹0.41₹3.41₹0.62₹2.54

Balance sheet

₹ crore, at 31 March.

₹ croreMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total assets269284304295––423
Loans given203207212215––357
Investments46474935––17
Deposits00–0––0
Borrowings914141––3
233242245253––389
Share capital95959595959595
Reserves137147150158223235294

Margins and returns

Per cent a year, on the average of the opening and closing balance sheets.

FigureMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Net interest margin–5.24%7.82%6.07%––25.13%
Yield on interest-earning assets–5.55%8.26%6.20%––25.32%
Cost of funds–6.87%8.00%4.32%––13.95%
Spread–−1.32%0.26%1.88%––11.37%
Cost to income11.24%13.12%78.21%80.82%––58.09%
Credit cost–−0.08%6.68%−0.10%––0.43%
Return on assets–3.43%1.09%2.59%––12.57%
Assets per rupee of net worth–1.161.211.20––1.07
Return on equity–4.00%1.32%3.11%––13.44%

Where the return on assets comes from

Per cent of average total assets, a year. Each line adds to the one below it. The year to Mar 2020, the first with a balance sheet on this form, has none a year before it to average with, so its ratios are blank.

Per centMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Net interest income4.78%6.86%5.18%––21.87%
Other income0.37%21.66%13.80%––20.38%
Operating expenses0.68%22.30%15.34%––24.54%
Profit before provisions4.48%6.21%3.64%––17.71%
Set aside for bad loans−0.06%4.77%−0.07%––0.36%
Exceptional items0.00%0.00%0.00%––0.00%
Profit before tax4.53%1.45%3.71%––17.35%
Tax1.10%0.35%1.12%––4.78%
Associates and businesses sold or closed0.00%0.00%0.00%––0.00%
Return on assets3.43%1.09%2.59%––12.57%

Cash flow

Standalone, ₹ crore, years to March.

₹ croreMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operations4.5−5.0−3.3−18.57.1−4.6
Capital spending0.00.00.00.05.80.6
Free cash flow4.5−5.0−3.3−18.51.3−5.1
Cash from investing0.00.00.018.95.80.6
Cash from financing4.7−1.1−0.3−0.1−5.4−2.8
Dividends paid0.00.00.00.00.00.0
Shares bought back0.00.00.00.00.00.0
Shares issued0.00.00.00.00.00.0
Net change in cash9.2−6.1−3.60.47.5−6.8
Capital spending is part of cash from investing, and dividends paid, shares bought back and shares issued are part of cash from financing. Each is shown as an amount on a line of its own, and the section's other items are in its total only. No cash flow statement is on record for the years to Mar 2017, Mar 2018, Mar 2019 and Mar 2020.

Per share

Standalone, ₹ per share, years to March.

₹ per shareMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Earnings per share₹0.60₹0.61₹0.43₹0.02₹0.50₹0.17₹0.41₹3.41₹0.62₹2.54
Diluted earnings per share₹0.60₹0.61₹0.43₹0.02₹0.50₹0.17₹0.41₹3.41₹0.62₹2.54
Book value per share–––₹12.22₹12.72₹12.89₹13.30₹16.72₹17.33₹20.45
Shareholder yield––––0.0%0.0%0.0%0.0%0.0%0.0%
Market cap at the year end (₹ crore)120135763060273247460316220

Growth and returns over 3, 5 and 10 years

Standalone: the listed company alone, without its subsidiaries. Each window ends with the year to Mar 2026.

Measure10 years5 years3 years
Revenue growth, yearly rate–63.2%42.5%
Profit growth, yearly rate–38.5%84.0%
Return on equity, average–8.8%13.3%
Return on capital employed, average––4.0%
Operating margin, average––11.9%
Net margin, average32.8%22.2%31.1%
Asset turnover, average–0.320.38
Interest cover, average––69.4
Debt to equity, average––0.01

Where the cash came from and went

Standalone: the listed company alone, without its subsidiaries. ₹ crore, added up over each window, which ends with the year to Mar 2026.

₹ crore5 years3 yearsLatest year
Cash from operations−24.3−16.0−4.6
Cash from investing25.325.30.6
Cash from financing−9.7−8.3−2.8
Capital spending6.46.40.6
Dividends paid0.00.00.0
Shares bought back0.00.00.0
Shares issued for cash0.00.00.0