Unifinz Capital India Ltd (UCIL) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Unifinz Capital India Ltd ₹206, price ₹103, upside +100.0%, quality 55 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 2, 2026.
How to read this chart
60‑month range ₹3.27 – ₹133.55 · fair‑value band ₹99.12 – ₹452.70 · the ₹102.85 price screens below the ₹205.70 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 2, 2026.
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Unifinz Capital India Limited operates as a non-banking finance company in India. The company offers instant personal loans to salaried customers. It also conducts its lending operations through its credit-enabled financial technology platform operated under the lendingplate brand name.
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Unifinz Capital India Limited operates as a non-banking finance company in India. The company offers instant personal loans to salaried customers. It also conducts its lending operations through its credit-enabled financial technology platform operated under the lendingplate brand name. The company was formerly known as Shree Worstex Limited and changed its name to Unifinz Capital India Limited in December 2022. Unifinz Capital India Limited was incorporated in 1982 and is based in New Delhi, India.
Stock analysis
Unifinz Capital India Ltd (UCIL) currently trades at ₹102.85, while our model-based Fair Value estimate is ₹205.70, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹688.98 per share, and 5 of the 9 models we run sit above the ₹102.85 price.
Bear case: the Asset-Based group reads lowest at ₹24.84, and 4 of the 9 models stay below the price. Evidence for this calculation is high.
Scenario range: ₹99.12 (bear) to ₹452.70 (bull), the price of ₹102.85 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Unifinz Capital India Ltd reported revenue of ₹5.1B in FY2026 versus ₹22.4M in FY2022, a compound +288.5%/yr. Reported net income was ₹871M in FY2026, compounding +201.5%/yr from FY2022.
Key figures
Market cap ₹4.6B (≈ $47.3M) · P/E ratio 5.2 · P/S ratio 0.89 · EPS (TTM) ₹19.63 · Dividend yield 0.5% · Net margin 17.0% · Return on equity 72.1% · Return on assets (EBIT) 30.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 20% below its 52-week high and 69% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 100%, UCIL screens cheaper than that median.
Fair Value models
Bear ₹99.12Fair Value ₹205.70Bull ₹452.70
Price ₹102.85 · Upside +100.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹9.80 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+321.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+282.4%
’22
’23
’24
’25
’26
What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 330 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score55 · Above median
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (TTM)72.1% · Top 25%
Return on assets28.8% · Top 25%
Net margin (TTM)27.7% · Above median
Operating margin (TTM)31.5% · Below median
Growth and dividend
Revenue growth39.0% · Top 25%
Dividend yield (TTM)0.5% · Bottom 25%
Balance sheet
Debt / equity1.68× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Unifinz Capital India Ltd Fair Value". https://www.fairvalue-calculator.com/stock/UCIL
Frequently asked questions
Is Unifinz Capital India Ltd (UCIL) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of ₹205.70 versus a price of ₹102.85, about +100% upside (undervalued).
What is the fair value of UCIL?
Our model-based fair value for Unifinz Capital India Ltd is ₹205.70 (as of Oct 2, 2026), built from audited fundamentals. The current price: ₹102.85.
What is the quality score of UCIL?
Unifinz Capital India Ltd has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Unifinz Capital India Ltd (UCIL)?
Our model-based price target is the fair value of ₹205.70 (as of Oct 2, 2026) from 9 valuation models. Cautious scenario ₹99.12, optimistic scenario ₹452.70. It is a calculation from audited fundamentals, not an analyst target.
What is the Unifinz Capital India Ltd stock forecast for 2026?
Our models put fair value at ₹205.70, about +100% upside versus a price of ₹102.85 (undervalued). Cautious scenario ₹99.12, optimistic scenario ₹452.70. The calculation is refreshed regularly with new filings.
What is the revenue of Unifinz Capital India Ltd (UCIL)?
Unifinz Capital India Ltd reported trailing-twelve-month revenue of about ₹3.2B (latest available figure, as of Oct 2, 2026).
Does Unifinz Capital India Ltd pay a dividend?
Unifinz Capital India Ltd currently shows a dividend yield of about 0.49% relative to its recent price (as of Oct 2, 2026).
What is the intrinsic value of Unifinz Capital India Ltd (UCIL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Unifinz Capital India Ltd it is ₹205.70 per share (as of Oct 2, 2026), against a price of ₹102.85. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Unifinz Capital India Ltd stock overvalued or undervalued in 2026?
As of Oct 2, 2026, UCIL trades below its calculated fair value: price ₹102.85, fair value ₹205.70, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of UCIL?
No. The price is what the market pays today (₹102.85); the fair value is what the company's own numbers justify (₹205.70). For Unifinz Capital India Ltd the two are ₹102.85 per share apart. That gap is exactly why we show both numbers side by side.
How much is Unifinz Capital India Ltd worth?
The market values Unifinz Capital India Ltd at about ₹4.6B (market capitalisation, as of Oct 2, 2026). Per share that is ₹102.85; our models calculate a fair value of ₹205.70 per share.
What do the bullish and bearish scenarios say about UCIL?
Our models span a range for Unifinz Capital India Ltd: cautious scenario ₹99.12, base ₹205.70, optimistic ₹452.70 per share (as of Oct 2, 2026, price ₹102.85). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of UCIL?
Unifinz Capital India Ltd trades at a price-to-earnings ratio of 5.2 (as of Oct 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹205.70 is built from several models across several years. Other multiples: P/B 2.8, P/S 1.4, EV/EBITDA 5.7.
How solid is the balance sheet of Unifinz Capital India Ltd (UCIL)?
Balance-sheet figures for Unifinz Capital India Ltd (as of Oct 2, 2026): return on equity 72.1%, debt of 1.68 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is UCIL from its 52-week high?
Unifinz Capital India Ltd trades at ₹102.85, about 20% below its 52-week high of ₹128.82 and 69% above the low of ₹61.00 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹205.70 is for.
Which stocks are comparable to Unifinz Capital India Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Unifinz Capital India Ltd stock attractive at the current price?
The data as of Oct 2, 2026: price ₹102.85, calculated fair value ₹205.70 (+100%), Quality Score 55/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of UCIL calculated?
We run Unifinz Capital India Ltd through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹205.70, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.0 % above its aggregate fair value. Unifinz Capital India Ltd currently trades 50 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Unifinz Capital India Ltd (UCIL)?
The closing price on Oct 1, 2026 was ₹102.85. Our model-based fair value is ₹205.70, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Unifinz Capital India Ltd right now?
The model range is unusually wide (₹99.12 to ₹452.70). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Unifinz Capital India Ltd
How large is the market capitalisation of Unifinz Capital India Ltd (UCIL)?
The market capitalisation of Unifinz Capital India Ltd is ₹4.6B (≈ $47.3M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Unifinz Capital India Ltd (UCIL)?
The price-to-sales ratio of Unifinz Capital India Ltd is 0.89 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Unifinz Capital India Ltd (UCIL)?
Earnings per share at Unifinz Capital India Ltd are ₹19.63 (price ÷ EPS = P/E 5.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Unifinz Capital India Ltd (UCIL)?
The dividend yield of Unifinz Capital India Ltd is 0.5% (payout 2.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Unifinz Capital India Ltd (UCIL)?
The net margin of Unifinz Capital India Ltd is 17.0% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Unifinz Capital India Ltd (UCIL)?
The return on equity (ROE) of Unifinz Capital India Ltd is 72.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Unifinz Capital India Ltd (UCIL)?
On an EBIT basis the return on assets of Unifinz Capital India Ltd is 30.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Unifinz Capital India Ltd (UCIL)?
The operating margin of Unifinz Capital India Ltd is 31.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Unifinz Capital India Ltd (UCIL)?
Revenue at Unifinz Capital India Ltd is growing +39.0% versus a year earlier (3y avg +282%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Unifinz Capital India Ltd (UCIL)?
Earnings per share at Unifinz Capital India Ltd are growing +0.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Unifinz Capital India Ltd (UCIL) generate?
The free cash flow of Unifinz Capital India Ltd is −₹1.9B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Unifinz Capital India Ltd (UCIL) carry?
The net debt of Unifinz Capital India Ltd is ₹2.4B (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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