Unifinz Capital India Ltd (UCIL) Fair Value & Analysis
Financial Services · IN · Market cap ₹4.7B
Strengths
Risks
Fair value as of: Aug 13, 2026
From 9 valuation models · updated 7 days ago
Fair value updated Aug 13, 2026, revised from ₹212.00 to ₹201.60 (−4.9%) since Jul 6, 2026.
A solid business, screening 101% undervalued on our models.
What matters now
- The price is below even our cautious bear case (₹151.20). The market is more pessimistic than our downside scenario.
- Solid quality (58/100) at a price below fair value, the discount is the argument here, not the business quality.
- A fairly wide model range (₹151.20 to ₹363.15) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range ₹3.27 – ₹133.55 · fair‑value band ₹151.20 – ₹363.15 · the ₹100.15 price screens below the ₹201.60 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Unifinz Capital India Ltd (UCIL) currently trades at ₹100.15, while our model-based Fair Value estimate is ₹201.60, implying the stock looks roughly 101.3% undervalued today. The Quality Score stands at 58/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Unifinz Capital India Ltd generated revenue of ₹3.0B at a net margin of 29.4%. Revenue grew 157.0% year over year. It earns a return on equity of 72.1%. Net debt stands at ₹2.4B. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹151.20 (bear case) to ₹363.15 (bull case); at ₹100.15, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 22% below its 52-week high and 64% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at 101%, UCIL screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 9 models by family
Widest divergence: Earnings-Based (₹688.98) versus Dividend Discount (₹1.36). Highest evidence: Residual Income (76).
Notify me when UCIL reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 49 · Market factors (momentum, volatility) 38
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
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.
Watch UCIL: get an alert when its fair value changes →
Peer Group
Credit Services · 336 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $573.72 | $221.87 | -61% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | -57% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
Compare Unifinz Capital India Ltd with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Discover undervalued stocks
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Unifinz Capital India Ltd (UCIL) overvalued or undervalued?
What is the fair value of UCIL?
What is the quality score of UCIL?
What is the revenue of Unifinz Capital India Ltd (UCIL)?
What is the net profit margin of UCIL?
Does Unifinz Capital India Ltd pay a dividend?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Unifinz Capital India Ltd and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.