Unifinz Capital India Limited (UCIL.BO) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-1811.1%

-₹2,275.76

vs ₹133.00 price

Levered DCF

₹12,732.15

After debt service

Piotroski score

4 / 9

Average

Altman Z-score

—

Rating

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	4.32×	24.46×	-36.06×	-92.28×	41.79×	178.84×	-1,137.93×	-52.3×
P/B	2.29×	4.11×	11.02×	10.87×	16.73×	30.37×	1.25×	1.12×
P/S	0.74×	2.63×	1.37×	5.7×	38.53×	147.19×	3.72×	3.99×
EV / EBITDA	5.2×	6.69×	33.07×	59.75×	60.81×	322.63×	-1,320.24×	-93.8×
Gross margin	91.1%	81.8%	64.3%	87.8%	98.7%	71.3%	11.6%	25.7%
Operating margin	59.6%	45.5%	7.4%	5.9%	62.2%	45.8%	-0.3%	-4.3%
Net margin	17.0%	16.5%	-3.8%	-6.0%	46.2%	41.1%	-0.3%	-7.6%
Current ratio	2.38×	8.63×	0.53×	40.38×	0.77×	1.72×	4.12×	171×
Debt / equity	1.69×	0.87×	15.71×	2.88×	0.1×	0.1×	0.14×	0.14×
Interest coverage	0×	8.14×	0.56×	0.4×	747.6×	30,067.94×	-36.95×	-1.31×
Dividend yield	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.5%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	53.1%	25.9%	-30.8%	-11.5%	20.1%	8.5%	-0.1%	-2.1%
Return on invested capital	51.0%	28.3%	26.3%	3.8%	341.1%	17.9%	-0.2%	-1.7%
Return on assets	18.2%	15.9%	-2.9%	-3.3%	17.0%	7.3%	-0.1%	-2.1%
Free cash flow yield	70.0%	-9.7%	22.4%	2.2%	0.3%	0.0%	34.6%	-20.8%
Earnings yield	23.2%	6.3%	-2.8%	-1.1%	1.2%	0.3%	-0.1%	-1.9%
Enterprise value	₹6.2B	₹3.8B	₹981.2M	₹655M	₹874.2M	₹1.7B	₹57.6M	₹52.7M
Net debt / EBITDA	2.02×	1.06×	19.33×	12.17×	-0.35×	0.99×	-131.94×	-1.62×
Cash conversion cycle (days)	67	92	312	-104	-598	-26,840	131	759