UY Fincorp Ltd, incorporated in 1993, operates as an India-based non-banking financial company (NBFC) and stands as an RBI registered Non-Systematically Important Non-Deposit Taking - Non-Banking Financial Company. The company was originally incorporated with the Registrar of Companies, West Bengal, on October 7, 1993, as Golden Securities Private Limited. Subsequently, the company converted into a Public Limited Company, and its name was changed to Golden Securities Limited.
The company has undergone several name changes throughout its evolution. The name of the company was changed to Golden Goenka Fincorp Limited on November 21, 2011. Finally, the name of the company was changed to its present name "U. Y. Fincorp Limited," and a fresh certificate of incorporation reflecting the new name was issued by the Registrar of Companies, West Bengal, on December 10, 2018.
The company made its public issue in 1995 and subsequently got its shares listed on BSE Limited and The Calcutta Stock Exchange Limited in the same year. Today, it trades on NSE with the symbol UYFINCORP and on BSE with the code 530579.
As of July 2025, the current market capitalization of U. Y. Fincorp Ltd is ₹411.5 Cr. The company has demonstrated resilience in maintaining profitability despite challenging market conditions, though recent results indicate a significant decline.
For the financial year ended March 2025, UY Fincorp faced significant challenges in its financial performance:
- FY 2025 Full Year Performance:
- Sales declined 8.87% to ₹110.83 crore in the year ended March 2025 as against ₹121.62 crore during the previous year ended March 2024.
- Net profit declined 81.93% to ₹11.73 crore in the year ended March 2025 as against ₹64.92 crore during the previous year ended March 2024.
- Q4 FY 2025 Quarter Performance:
- Sales declined 61.04% to ₹15.25 crore in the quarter ended March 2025 as against ₹39.14 crore during the previous quarter ended March 2024.
- Net profit declined 76.86% to ₹1.09 crore in the quarter ended March 2025 as against ₹4.71 crore during the previous quarter ended March 2024.
The company presents a mixed financial profile with both strengths and areas of concern:
- Key Ratios (as of July 2, 2025):
- P/E Ratio: 35.1
- PB Ratio: 1.3
- ROE (Return on Equity): 3% (fair, but needs improvement)
- 52-Week Performance:
- 52-Week High: ₹39.40
- 52-Week Low: ₹15.57
- The company is almost debt-free and has a strong balance sheet, enabling it to report stable earnings growth across business cycles. This debt-free status provides financial flexibility and reduces interest burden, which is particularly valuable in the financial services sector.
- The company has delivered good profit growth of 33.7% CAGR over the last 5 years, demonstrating its historical ability to generate consistent returns for shareholders despite recent challenges.
UY Fincorp is primarily focused on providing inter-corporate loans, personal loans, and investments & trading in securities. The company operates through Financial & Related Services, offering a comprehensive range of financial products to its clients.
The company offers fund-based and fee-based services:
- Fund-based services include infrastructure funding, retail finance, industrial asset funding, real estate funding, loan against shares, loan against properties, inter-corporate deposits, bridge finance, equity participation, and bill discounting.
- Fee-based funding includes loan syndication and project counselling.
- Chairman & Managing Director: Mr. Udai Kothari
- Chairman: G L Goenka
- Company Secretary: Amrita Mohta Kothari
- Promoter Holding: Remained stable at 71.38% as of March 2025, indicating strong promoter commitment and confidence in the business.
- The company filed its Annual Secretarial Compliance Report for FY ended 31 March 2025, confirming regulatory adherence.
- As an RBI-registered NBFC, UY Fincorp operates under strict regulatory oversight, ensuring compliance with banking and financial services regulations.
- The Exchange sought clarification from U. Y. Fincorp Ltd on July 03, 2025, with reference to a significant movement in price, indicating active investor interest and market attention.
- The company has undertaken a voluntary delisting of its equity shares from the Calcutta Stock Exchange, streamlining its listing presence to focus on major exchanges.
While UY Fincorp maintains its position as a debt-free NBFC with a strong balance sheet, investors should note the recent decline in financial performance. The company has a low return on equity of 9.83% over the last 3 years, which suggests room for improvement in capital efficiency. Despite these challenges, the company's established market presence, regulatory compliance, and debt-free status position it for potential recovery as market conditions improve.
The company's diverse service offerings in corporate lending, personal finance, and securities trading provide multiple revenue streams, though current market conditions have impacted overall performance. Investors should monitor upcoming quarterly results for signs of operational improvement and market recovery.
