U. Y. Fincorp Limited
U. Y. Fincorp Limited, a non-banking financial institution, provides financial and related services. The company focuses on providing corporate and personal loans; investments in securities and trading in securities. The company also offers fund-based services, such as infrastructure, real estate, and industrial asset funding; loan against shares and properties; corporate deposits; equity partici… Read more
U. Y. Fincorp Limited (UYFINCORP) - Net Assets
Latest net assets as of September 2025: ₹3.44 Billion INR
Based on the latest financial reports, U. Y. Fincorp Limited (UYFINCORP) has net assets worth ₹3.44 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹3.59 Billion) and total liabilities (₹148.55 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹3.44 Billion |
| % of Total Assets | 95.86% |
| Annual Growth Rate | 10.36% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 10.5 |
U. Y. Fincorp Limited - Net Assets Trend (2022–2025)
This chart illustrates how U. Y. Fincorp Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for U. Y. Fincorp Limited (2022–2025)
The table below shows the annual net assets of U. Y. Fincorp Limited from 2022 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹3.30 Billion | +3.67% |
| 2024-03-31 | ₹3.18 Billion | +25.69% |
| 2023-03-31 | ₹2.53 Billion | +3.16% |
| 2022-03-31 | ₹2.45 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to U. Y. Fincorp Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 153.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹1.12 Billion | 33.85% |
| Common Stock | ₹951.19 Million | 28.85% |
| Other Components | ₹1.23 Billion | 37.29% |
| Total Equity | ₹3.30 Billion | 100.00% |
U. Y. Fincorp Limited Competitors by Market Cap
The table below lists competitors of U. Y. Fincorp Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Poindus Systems Corp.
TWO:6599
|
$8.07 Million |
|
MEDIASEEK INC.
F:6WJ
|
$8.07 Million |
|
ES Ceramics Technology Bhd
KLSE:0100
|
$8.07 Million |
|
Simone S.p.A.
F:2KX
|
$8.07 Million |
|
AKA Brands Holding Corp
NYSE:AKA
|
$8.07 Million |
|
China Foods Limited
PINK:CHFHF
|
$8.07 Million |
|
Urbanise.com Ltd
AU:UBN
|
$8.07 Million |
|
German High Street Properties A/S Class B
CO:GERHSP
|
$8.07 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in U. Y. Fincorp Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 3,179,983,000 to 3,296,544,000, a change of 116,561,000 (3.7%).
- Net income of 117,273,000 contributed positively to equity growth.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹117.27 Million | +3.56% |
| Other Changes | ₹-712.00K | -0.02% |
| Total Change | ₹- | 3.67% |
Book Value vs Market Value Analysis
This analysis compares U. Y. Fincorp Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.79x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.07x to 0.79x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2022-03-31 | ₹12.89 | ₹13.73 | x |
| 2023-03-31 | ₹13.30 | ₹13.73 | x |
| 2024-03-31 | ₹16.72 | ₹13.73 | x |
| 2025-03-31 | ₹17.33 | ₹13.73 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently U. Y. Fincorp Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 3.56%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 10.58%
- • Asset Turnover: 0.32x
- • Equity Multiplier: 1.05x
- Recent ROE (3.56%) is below the historical average (7.09%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | 1.31% | 3.84% | 0.28x | 1.24x | ₹-213.12 Million |
| 2023 | 3.06% | 14.33% | 0.18x | 1.16x | ₹-175.55 Million |
| 2024 | 20.42% | 33.22% | 0.60x | 1.03x | ₹331.22 Million |
| 2025 | 3.56% | 10.58% | 0.32x | 1.05x | ₹-212.38 Million |
Industry Comparison
This section compares U. Y. Fincorp Limited's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $19,332,150,434
- Average return on equity (ROE) among peers: 11.97%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| U. Y. Fincorp Limited (UYFINCORP) | ₹3.44 Billion | 1.31% | 0.04x | $8.07 Million |
| Akme Fintrade India Ltd (AFIL) | $1.37 Billion | 3.01% | 1.73x | $15.17 Million |
| Arman Financial Services Limited (ARMANFIN) | $92.66 Million | 19.57% | 4.41x | $102.52 Million |
| Baid Finserv Limited (BAIDFIN) | $1.30 Billion | 5.85% | 1.62x | $4.97 Million |
| Bajaj Finance Limited (BAJFINANCE) | $96.00 Billion | 19.13% | 5.64x | $26.87 Billion |
| Capital Trust Limited (CAPTRUST) | $71.67 Million | 3.08% | 1.26x | $600.21K |
| Capri Global Capital Limited (CGCL) | $2.81 Billion | 44.70% | 0.62x | $557.05 Million |
| Cholamandalam Financial Holdings Limited (CHOLAHLDNG) | $78.64 Billion | 8.86% | 7.64x | $1.71 Billion |
| Capital India Finance Limited (CIFL) | $6.94 Billion | -0.40% | 1.34x | $2.96K |
| CP Capital Limited (CPCAP) | $4.99 Billion | 8.72% | 0.16x | $4.86 Million |
| CREDITACCESS GRAMEEN LIMITED (CREDITACC) | $1.11 Billion | 7.16% | 3.91x | $736.39 Million |