U. Y. Fincorp Ltd. (UYFINCORP.NS) 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

-152.1%

-₹15.33

vs ₹29.45 price

Levered DCF

₹5.78

After debt service

Piotroski score

—

Altman Z-score

—

Rating

Overall 2 / 5

Ratios by fiscal year

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

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
P/E	4.57×	29.71×	10.13×	84.29×	203.29×
P/B	0.57×	1.06×	2.07×	2.6×	2.68×
P/S	1.36×	3.16×	3.36×	12.17×	7.85×
EV / EBITDA	3.26×	21.68×	5.55×	65.25×	202.26×
Gross margin	64.3%	18.1%	49.2%	22.2%	23.0%
Operating margin	41.7%	13.5%	60.6%	18.3%	3.7%
Net margin	29.6%	10.6%	33.2%	14.3%	3.8%
Current ratio	0.12×	290.99×	199.85×	264.22×	166.31×
Debt / equity	0.01×	0.02×	0×	0.01×	0.06×
Interest coverage	0×	0×	0×	0×	0×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Return on equity	12.4%	3.6%	20.4%	3.1%	1.3%
Return on invested capital	11.9%	3.0%	28.0%	2.3%	0.8%
Return on assets	11.4%	3.4%	19.8%	2.6%	1.1%
Free cash flow yield	-2.1%	2.0%	0.0%	0.0%	0.0%
Earnings yield	21.9%	3.3%	9.9%	1.2%	0.5%
Enterprise value	₹2.2B	₹3.5B	₹6.6B	₹6.6B	₹6.7B
Net debt / EBITDA	0.03×	-0.15×	0×	0.18×	3.12×
Cash conversion cycle (days)	938	1,025	589	1,706	1,065