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U. Y. Fincorp Ltd (UYFINCORP) fair value: what the stock is really worth

As of Oct 1, 2026: fair value of U. Y. Fincorp Ltd ₹20.52, price ₹22.97, upside -10.7%, quality 69 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · IN · ISIN INE152C01025

UY Thin data Sep 27, 2026

U. Y. Fincorp Ltd

UYFINCORP · BSE

Overvalued / MonitorQuality is not strong enough to offset the price risk.

!Fair value ₹20.52 · Overvalued (−10.7%)
✓Quality 69/100
!Expensive Growth (revenue 5y +58.3 %/yr)
✓Highly profitable · 29.1% net margin (TTM)
!Low debt · negative free cash flow
✓Ranks above peers (10/12)
✓Wide moat 73/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 19 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹34.59 ₹3.97 Fair Value ₹20.52 May 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.

How to read this chart

60‑month range ₹3.97 – ₹34.59 · fair‑value band ₹18.08 – ₹27.42 · the ₹22.97 price screens above the ₹20.52 fair value. Dashed = 300-day average. As of Sep 27, 2026.

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Company profile

U. Y. Fincorp Limited, a non-banking financial institution, provides financial and related services. The company focus on providing inter corporate and personal loans; and investment and trading in securities.

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U. Y. Fincorp Limited, a non-banking financial institution, provides financial and related services. The company focus on providing inter corporate and personal loans; and investment and trading in securities. It offers fund-based services, such as infrastructure, real estate, and industrial assets funding; loan against share and properties; inter corporate deposits; equity participation; retail and bridge financing; and bill discounting. In addition, the company provides fee based services, which include loan syndication and project counselling. Further, it is involved in inevitable financial activities, such as acquisition funding, lending against land, promoter funding, and illiquid collaterals. The company was formerly known as Golden Goenka Fincorp Limited and changed its name to U. Y. Fincorp Limited in December 2018. U. Y. Fincorp Limited was incorporated in 1993 and is based in Mumbai, India.

Stock analysis

U. Y. Fincorp Ltd (UYFINCORP) currently trades at ₹22.97, while our model-based Fair Value estimate is ₹20.52, 10.7% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Earnings-Based group reads highest at a median of ₹88.83 per share, and 4 of the 6 models we run sit above the ₹22.97 price.

Bear case: the Asset-Based group reads lowest at ₹13.70, and 2 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: ₹18.08 (bear) to ₹27.42 (bull), the price of ₹22.97 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 69/100 (solid quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

U. Y. Fincorp Ltd reported revenue of ₹1.4B in FY2026 versus ₹837M in FY2022, a compound +13.5%/yr. Reported net income was ₹483M in FY2026, compounding +96.9%/yr from FY2022. FY2022 was a trough year, so the rate overstates the trend.

Key figures

Market cap ₹4.4B (≈ $45.4M) · P/E ratio 7.1 · P/S ratio 2.46 · EPS (TTM) ₹3.24 · Net margin 34.8% · Return on equity 13.4% · Return on assets (EBIT) 12.1% · Operating margin 35.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 98% 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 −11%, UYFINCORP screens richer than that median.

Fair Value models

Bear ₹18.08 Fair Value ₹20.52 Bull ₹27.42
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 (₹1.64 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.
Highest evidence
Residual Income ₹18.85 ₹22.37 ₹31.74 68
P/E Multiple ₹24.74 ₹32.99 ₹41.24 63
Graham-Dodd ₹17.26 ₹120.35 ₹168.89 61
All 6 models by family
Earnings-Based
Graham-Dodd ₹17.26 ₹120.35 ₹168.89 61
Lynch FV ₹62.18 ₹88.83 ₹115.47 59
Multiples
P/E Multiple ₹24.74 ₹32.99 ₹41.24 63
P/B Multiple ₹21.47 ₹28.63 ₹35.78 55
Asset-Based
NCAV (Graham) ₹10.22 ₹13.70 ₹20.45 54
Economic Profit
Residual Income ₹18.85 ₹22.37 ₹31.74 68

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Quality Score breakdown

Overall quality 69/100

Of which business quality 63 · Market factors (momentum, volatility) 85

Profitability 54
Margins and returns on capital today
Quality Growth 88
Are margins and returns improving?
Cashflow 37
Earnings quality: real cash, not paper profit
Fin. Strength 75
Balance sheet, leverage, solvency risk
Investment 53
Disciplined investing over empire-building
Low Volatility 70
Calm price path (market factor)
Momentum 90
Price trend over the last 3–12 months (market factor)
52W Momentum 94
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

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
+25.3%
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.
+37.0%
Revenue growth 5 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.
+58.3%
Start year 2021 (pandemic)
What shareholders gained per year (last 5 years), in INR (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+54.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+54.0%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.82% → 47%
2026 sits 312% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

UYFINCORP screens overvalued: fair value 11% below the price. Compare with Visa Inc →

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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 · 331 stocks

Beats the industry median on 10/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 68 · Top 25%
Fair Value upside −10.7% · Below median
Profitability
Return on equity (TTM) 13.4% · Above median
Return on assets 10.9% · Top 25%
Net margin (TTM) 29.1% · Above median
Operating margin (TTM) 35.5% · Above median
Growth and dividend
Revenue growth 225.0% · Top 25%
Balance sheet
Debt / equity 0.01× · Lowest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (TTM) 7.1× · Cheapest 25%
P/B 1.12× · Pricier than median
P/S (TTM) 2.05× · Cheaper than median
EV/EBITDA 5.1× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)19 · sector 49
FUTURE (revenue growth)100 · sector 46
PAST (return on equity)54 · sector 32
HEALTH (low debt)100 · sector 59
DIVIDEND (yield)0 · sector 66

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $359.33 $221.29 −38%
Mastercard Incorporated MA $551.47 $359.54 −35%
American Express Company AXP $304.10 $208.54 −31%
Capital One Financial Corporation COF $193.07 $125.94 −35%
Bajaj Finance Limited BAJFINANCE ₹996.90 ₹1,100 +10%
PayPal Holdings PYPL $55.04 $104.12 +89%
Shriram Finance Limited SHRIRAMFIN ₹994.10 ₹1,364 +37%
Affirm Holdings AFRM $67.21 $73.93 +10%
Synchrony Financial, SYF $71.52 $141.92 +98%
SoFi Technologies, Inc SOFI $15.72 $5.53 −65%

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U. Y. Fincorp Ltd · Fair Value
₹20.52 −11%Fair Value
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Cite: Fair Value Calculator (2026). "U. Y. Fincorp Ltd Fair Value". https://www.fairvalue-calculator.com/stock/UYFINCORP

Frequently asked questions

Is U. Y. Fincorp Ltd (UYFINCORP) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹20.52 versus a price of ₹22.97, about −11% upside (overvalued).
What is the fair value of UYFINCORP?
Our model-based fair value for U. Y. Fincorp Ltd is ₹20.52 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹22.97.
What is the quality score of UYFINCORP?
U. Y. Fincorp Ltd has a Quality Score of 69/100. 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 U. Y. Fincorp Ltd (UYFINCORP)?
Our model-based price target is the fair value of ₹20.52 (as of Sep 27, 2026) from 6 valuation models. Cautious scenario ₹18.08, optimistic scenario ₹27.42. It is a calculation from audited fundamentals, not an analyst target.
What is the U. Y. Fincorp Ltd stock forecast for 2026?
Our models put fair value at ₹20.52, about −11% upside versus a price of ₹22.97 (overvalued). Cautious scenario ₹18.08, optimistic scenario ₹27.42. The calculation is refreshed regularly with new filings.
What is the revenue of U. Y. Fincorp Ltd (UYFINCORP)?
U. Y. Fincorp Ltd reported trailing-twelve-month revenue of about ₹2.1B (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of U. Y. Fincorp Ltd (UYFINCORP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For U. Y. Fincorp Ltd it is ₹20.52 per share (as of Sep 27, 2026), against a price of ₹22.97. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is U. Y. Fincorp Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, UYFINCORP trades above its calculated fair value: price ₹22.97, fair value ₹20.52, a gap of about −11% (overvalued). 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 UYFINCORP?
No. The price is what the market pays today (₹22.97); the fair value is what the company's own numbers justify (₹20.52). For U. Y. Fincorp Ltd the two are ₹2.45 per share apart. That gap is exactly why we show both numbers side by side.
How much is U. Y. Fincorp Ltd worth?
The market values U. Y. Fincorp Ltd at about ₹4.4B (market capitalisation, as of Sep 27, 2026). Per share that is ₹22.97; our models calculate a fair value of ₹20.52 per share.
What do the bullish and bearish scenarios say about UYFINCORP?
Our models span a range for U. Y. Fincorp Ltd: cautious scenario ₹18.08, base ₹20.52, optimistic ₹27.42 per share (as of Sep 27, 2026, price ₹22.97). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of UYFINCORP?
U. Y. Fincorp Ltd trades at a price-to-earnings ratio of 7.1 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹20.52 is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2021 to 2026), reported earnings: 17.0. Other multiples: P/B 1.1, P/S 2.1, EV/EBITDA 5.1.
How solid is the balance sheet of U. Y. Fincorp Ltd (UYFINCORP)?
Balance-sheet figures for U. Y. Fincorp Ltd (as of Sep 27, 2026): return on equity 13.4%, debt of 0.01 per unit of equity. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is UYFINCORP from its 52-week high?
U. Y. Fincorp Ltd trades at ₹22.97, at its 52-week high of ₹22.97 and 98% above the low of ₹11.62 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹20.52 is for.
Which stocks are comparable to U. Y. Fincorp 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 U. Y. Fincorp Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price ₹22.97, calculated fair value ₹20.52 (−11%), Quality Score 69/100, from 6 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 UYFINCORP calculated?
We run U. Y. Fincorp Ltd through 6 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 ₹20.52, 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 14.5 % above its aggregate fair value. U. Y. Fincorp Ltd itself currently trades above fair value. 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 U. Y. Fincorp Ltd (UYFINCORP)?
The closing price on Oct 1, 2026 was ₹22.97. Our model-based fair value is ₹20.52, about −11% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with U. Y. Fincorp Ltd right now?
Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 U. Y. Fincorp Ltd

How large is the market capitalisation of U. Y. Fincorp Ltd (UYFINCORP)?
The market capitalisation of U. Y. Fincorp Ltd is ₹4.4B (≈ $45.4M). 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 U. Y. Fincorp Ltd (UYFINCORP)?
The price-to-sales ratio of U. Y. Fincorp Ltd is 2.46 (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 U. Y. Fincorp Ltd (UYFINCORP)?
Earnings per share at U. Y. Fincorp Ltd are ₹3.24 (price ÷ EPS = P/E 7.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of U. Y. Fincorp Ltd (UYFINCORP)?
The net margin of U. Y. Fincorp Ltd is 34.8% (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 U. Y. Fincorp Ltd (UYFINCORP)?
The return on equity (ROE) of U. Y. Fincorp Ltd is 13.4% (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 U. Y. Fincorp Ltd (UYFINCORP)?
On an EBIT basis the return on assets of U. Y. Fincorp Ltd is 12.1% (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 U. Y. Fincorp Ltd (UYFINCORP)?
The operating margin of U. Y. Fincorp Ltd is 35.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at U. Y. Fincorp Ltd (UYFINCORP)?
Revenue at U. Y. Fincorp Ltd is growing +225% versus a year earlier (3y avg +37.0%). 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 U. Y. Fincorp Ltd (UYFINCORP)?
Earnings per share at U. Y. Fincorp Ltd are growing +232% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does U. Y. Fincorp Ltd (UYFINCORP) generate?
The free cash flow of U. Y. Fincorp Ltd is −₹45.8M (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 U. Y. Fincorp Ltd (UYFINCORP) carry?
The net debt of U. Y. Fincorp Ltd is ₹22.3M (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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