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Unifinz Capital India Limited

Unifinz Capital India Limited

BBSE:UCIL
133.95
INR
-7.05
(-5.00%)
19.66EPS
5.15P/E
4.52BMarket Cap
Unifinz Capital India Limited
BSE:UCIL
(Bombay Stock Exchange)

Recent

price

133.95

P/E

ratio

5.15

div

yld

- -

ROIC.AI

2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
0.08
0.33
0.7
0.84
0.89
0.6
1.43
5.83
19
30.65
115.54
137.5
Revenue per Share
0.01
- -
0.3
-0.06
- -
0.31
0.67
-0.35
-0.72
5.07
19.69
19.8
Basic EPS, GAAP
-0.4
-0.4
-1.63
-0.89
-0.31
-0.45
-0.32
-3.07
-10.15
-7.42
-43.02
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.09
- -
Dividend per Share
0.87
0.87
2.44
2.41
2.64
3.65
3.35
3.06
2.36
17.52
37.08
- -
Book Value per Share
0.87
0.87
2.44
2.41
2.64
3.65
3.35
3.05
2.33
17.51
37.08
- -
Tangible Book Value per Share
16
5
16
15
16
16
16
16
16
40
44
44
Basic Weighted Avg Shares
1
2
11
13
14
9
22
91
298
1,212
5,115
6,088
Sales/Revenue/Turnover
15.75
-1.37
58.26
-7.63
- -
57.67
63.2
4.66
18.99
46.21
62.02
59.49
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
6
8
14
9
12
Depreciation Expense
- -
- -
5
-1
- -
5
11
-6
-11
201
871
877
Net Income, GAAP
44.55
- -
25.75
- -
- -
9.93
14.63
- -
- -
24.7
25.73
25.8
Effective Tax Rate (%)
8.6
-1.22
43.23
-7.63
-0.32
51.92
47
-6.02
-3.81
16.54
17.04
14.4
Profit Margin (%)
3
- -
51
44
49
65
52
105
13
1,065
4,286
- -
Working Capital
6
6
12
6
6
6
3
108
36
341
2,782
- -
LT Debt
14
14
38
38
41
57
53
48
37
775
1,642
- -
Total Equity
- -
- -
13.18
- -
- -
8.71
16.6
- -
- -
22.85
32.76
- -
Return on Invested Capital (%)
- -
- -
13.45
- -
- -
8.78
17.4
- -
- -
22.96
30.79
- -
Return on Capital (%)
- -
-0.16
18.33
-2.6
-0.11
9.84
19.2
-10.95
-26.79
49.37
72.11
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
2,761
- -
LT Finance Leases
- -
21
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
44
44
44
Market Capitalization
4,141
3,763
4,515

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
4,639
- -
Cash, Cash Equivalents & STI
- -
438
- -
Accounts Receivable, Net
- -
4
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
353
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
229.65%
413.7%
111.69%
Free Cash Flow
265.41%
339.12%
549.23%
Net Income, GAAP
-3,483.39%
-291.3%
334.5%
Sales/Revenue/Turnover
186.11%
260.38%
321.89%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
150
237
372
454
1,212
2026
829
1,291
1,475
1,520
5,115
2027
1,802
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
1.06
3.1
1.56
1.86
5.07
2026
3.8
5.43
6.11
4.34
19.69
2027
3.92
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
0.09
2027
- -
- -
- -
- -
- -
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Business
Unifinz Capital India Ltd. operates as a non-banking financial company registered with the Reserve Bank of India as an NBFC-Investment and Credit Company, focusing on consumer lending through its digital platform lendingplate. The company provides unsecured personal loans to salaried individuals and professionals, including instant cash loans, long-term and short-term personal loans for weddings, travel, debt consolidation, home renovation, and medical expenses, with loan amounts ranging from 10,000 to 2.50 lakhs rupees; it also engages in advancing loans, asset financing, hire-purchase, leasing, and investing or trading in securities. Operations span over 450 cities and towns across 17 states in India through branches and an online platform. Founded in 1982 and headquartered in New Delhi, the company, formerly known as Shree Worstex Limited, changed its name to Unifinz Capital India Limited in December 2022 and listed on the Bombay Stock Exchange in May 2018. Recent developments include the launch of retail operations under lendingplate in March 2022; a private placement of 3,217,000 convertible pre-paid warrants in December 2024 raising INR 45.2 million from investors including Ayaan Finserve India Private Limited, Paaven Bansal, and Atika Goyal; allotment of 50 lakh convertible warrants in June 2024; an increase in authorized share capital from INR 8.5 crore to INR 25 crore approved in January 2025; payment of an interim dividend of INR 0.50 per share in April 2025; equity shares issue raising INR 223.5 million in March 2025; and board changes in October 2025 with CFO Ritu Sharma resigning and new appointments including Manish Aggarwal, Shubh Charn Bansal, and others.