U. Y. Fincorp Ltd. Fundamental Analysis (NSE: UYFINCORP.NS)
U. Y. Fincorp Ltd. Fundamental Analysis (NSE: UYFINCORP.NS)
U. Y. Fincorp Ltd. (NSE: UYFINCORP.NS) shows moderate financial fundamentals with a PE ratio of 7.60, profit margin of 30.37%, and ROE of 16.91%. The company generates $2.0B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 66.8/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze UYFINCORP.NS's fundamental strength across five key dimensions:
Efficiency Score
ExcellentUYFINCORP.NS demonstrates superior asset utilization.
Valuation Score
ExcellentUYFINCORP.NS trades at attractive valuation levels.
Growth Score
ModerateUYFINCORP.NS shows steady but slowing expansion.
Financial Health Score
ModerateUYFINCORP.NS shows balanced financial health with some risks.
Profitability Score
ExcellentUYFINCORP.NS achieves industry-leading margins.
Key Financial Metrics
Is UYFINCORP.NS Expensive or Cheap?
P/E Ratio
UYFINCORP.NS trades at 7.60 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, UYFINCORP.NS's PEG of 0.02 indicates potential undervaluation.
Price to Book
The market values U. Y. Fincorp Ltd. at 1.21 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 5.52 times EBITDA. This is generally considered low.
How Well Does UYFINCORP.NS Make Money?
Net Profit Margin
For every $100 in sales, U. Y. Fincorp Ltd. keeps $30.37 as profit after all expenses.
Operating Margin
Core operations generate 42.44 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $16.91 in profit for every $100 of shareholder equity.
ROA
U. Y. Fincorp Ltd. generates $14.63 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
U. Y. Fincorp Ltd. generates limited operating cash flow of $131.80M, signaling weaker underlying cash strength.
Free Cash Flow
U. Y. Fincorp Ltd. produces free cash flow of $131.80M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $0.69 in free cash annually.
FCF Yield
UYFINCORP.NS converts 2.80% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
7.60
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.02
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.21
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.31
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.009
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.12
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.15
vs 25 benchmark
ROCE
Return on capital employed
0.21
vs 25 benchmark
How UYFINCORP.NS Stacks Against Its Sector Peers
| Metric | UYFINCORP.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 7.60 | 20.38 | Better (Cheaper) |
| ROE | 16.91% | 633.00% | Weak |
| Net Margin | 30.37% | -532.00% (disorted) | Strong |
| Debt/Equity | 0.01 | 0.89 | Strong (Low Leverage) |
| Current Ratio | 0.12 | 823.98 | Weak Liquidity |
| ROA | 14.63% | 72.00% | Weak |
UYFINCORP.NS outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews U. Y. Fincorp Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical