Unifinz Capital India Ltd (UCIL)

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Unifinz Capital India Ltd (UCIL) · mywealthgrid

About

Unifinz Capital India Ltd is a small NBFC (Non-Banking Financial Company) listed on the BSE with a market cap of ₹468.47 Cr, operating in the financial services sector. Quarterly revenues are micro-scale, ranging from ₹0.08 to 1.21 Cr. The company currently operates at negative operating margins (-33.51%) but has achieved strong profitability in prior periods, with margins reaching +50% to +97% in Dec 2018 and Jun 2020.

Face value: ₹10

Market cap

₹456 Cr

P/E

3,796.9×

P/B

5.9×

Dividend yield

0.5%

ROE

-26.8%

ROCE

—

Debt / equity

0.42

OPM

9.7%

EPS (TTM)

₹0.0

Book value

₹17.5

52-week high

—

52-week low

Key insights

Company research notes and source-linked reviews

Key risks

Operating margin collapsed to -33.51% (current) from +50% to +97% in prior periods; verify recent quarterly results, loan asset quality, and whether losses reflect operational stress or one-time charges
Micro-scale revenue base (₹0.08–1.21 Cr per quarter) limits operational leverage; for an NBFC, verify total advances, capital adequacy ratio (CRAR), and funding sources
Promoter shareholding fell 4.8 percentage points in one quarter (24.64% in Mar 2026 to 19.84% in Jun 2026); verify reason and any board or strategic changes
NBFC sector liquidity and funding-cost pressure during credit-cycle tightening; verify current deposit base, funding mix, and cost of funds

Generated analysis · source review pending

Growth drivers

Issued bonus (Dec 2025) and paid dividends (Apr 2026, Apr 2025) despite current negative OPM, indicating capital accumulated in prior periods could support loan growth if losses stabilize—verify lending book size and recent growth rate
Operating margin recovered from -163% (Jun 2019) to +50–97% (Dec 2018, Jun 2020); if current -33.51% is temporary, margin recovery compounds on thin revenue base—verify operational bottlenecks and path to profitability
Indian NBFC credit expansion if economy grows; verify sector credit growth rates and this company's market position within NBFCs
Micro-cap nature (₹468.47 Cr) means modest absolute lending growth translates to high percentage returns—verify recent lending growth and market share

Generated analysis · source review pending

980 historical price candles were omitted because the exchange source has not been verified.

₹102.9+1.8%1Y

Quick read

rule-based

Pros

+Revenue CAGR of 298.8% over the last 3 years

Cons

−Low return on equity of -6.2% (3-yr avg)
−Weak interest coverage of 0.6×
−Expensive at 3796.9× trailing earnings
−Low promoter holding of 19.8%
−Promoter holding fell 5.1 pts over the last year

Research score

Structured signal from quality, growth, valuation and momentum.

46/100

Business quality: 24
Growth: 100
Valuation

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Shriram Finance LimitedSHRIRAMFINSHRIRAMFIN	₹1,77,811 Cr	₹4,28,503 Cr	₹49,997 Cr	₹36,981 Cr	73.7%	₹11,318 Cr	20.8%	—	16.4%	—
Tata Capital LimitedTATACAPTATACAP	₹1,35,540 Cr	₹3,71,517 Cr	₹32,695 Cr	₹24,219 Cr	73.2%	₹5,404 Cr	15.5%	—	13.3%	—
Cholamandalam Investment And Finance Company LimitedCHOLAFINCHOLAFIN	₹1,33,352 Cr	₹3,45,452 Cr	₹32,663 Cr	₹22,399 Cr	68.2%	₹5,751 Cr	16.8%	—	19.3%	—
Muthoot Finance LimitedMUTHOOTFINMUTHOOTFIN	₹1,08,289 Cr	₹2,60,075 Cr	₹33,431 Cr	₹27,558 Cr	81.4%	₹11,373 Cr	34%	—	30.9%	—
L&T Finance LimitedLTFLTF	₹66,238 Cr	₹1,76,126 Cr	₹18,928 Cr	₹11,603 Cr	61.1%	₹3,226 Cr	16.7%	—	11.2%	—
Sbi Cards And Payment Services LimitedSBICARDSBICARD	₹53,594 Cr	₹97,658 Cr	₹20,063 Cr	₹5,374 Cr	26.7%	₹2,275 Cr	10.9%	—	14.7%	—
Hdb Financial Services LimitedHDBFSHDBFS	₹51,335 Cr	₹1,38,733 Cr	₹16,300 Cr	₹9,318 Cr	57.2%	₹2,176 Cr	13.4%	—	14.7%	—
Sundaram Finance LimitedSUNDARMFINSUNDARMFIN	₹48,838 Cr	₹1,18,475 Cr	₹10,104 Cr	₹7,957 Cr	78.3%	₹2,220 Cr	21%	—	14.7%	—
Piramal Finance LimitedPIRAMALFINPIRAMALFIN	₹45,868 Cr	₹1,25,857 Cr	₹11,852 Cr	₹7,051 Cr	59.5%	₹1,504 Cr	12.7%	—	5.3%	—
Authum Investment & Infrastructure LimitedAIILAIIL	₹45,797 Cr	₹49,133 Cr	₹2,863 Cr	₹2,451 Cr	88.2%	₹3,582 Cr	74%	—	13.1%	—
Mahindra & Mahindra Financial Services LimitedM&MFINM&MFIN	₹44,445 Cr	₹1,72,816 Cr	₹21,733 Cr	₹13,785 Cr	62.5%	₹3,253 Cr	13.6%	—	11.9%	—
Poonawalla Fincorp LimitedPOONAWALLAPOONAWALLA	₹38,161 Cr	₹86,259 Cr	₹7,813 Cr	₹4,291 Cr	52.7%	₹787 Cr	8%	—	5.9%	—

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Standalone figures · ₹ crore · years without a filed annual are summed from quarters

₹ Cr	Mar 2019	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	2	0	1	9	30
Interest	0	0	0	1	4
Expenses	2	1	1	8	27
Financing profit	-1	-0	-1	-0	-1
Financing margin %	-36.2%	-36.2%	-108%	-3.1%	-3.4%
Other income	—	1	2	0	0
Depreciation	—	0	0	1	1
Profit before tax	-0	1	1	-1	-2
Tax	—	0	0	-0	-1
Tax %	—	11.1%	14.5%	-34.5%	-34.5%
PAT	-0	0	1	-1	-1
EPS (₹)	-0.3	1.6	3.4	-1.8	-3.6
EPS adjusted (₹)	—	0.3	0.7	-0.4	-0.7
Annual report	Annual report for Mar 2019	Annual report for Mar 2021	Annual report for Mar 2022	Annual report for Mar 2023	Annual report for Mar 2024

₹ Cr	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity capital	3	3	3	3	9
Reserves	3	2	2	1	69
	1	0	6	26	33
	0	1	6	9	15
Total equity & liabilities	7	6	17	39	126
	0	0	0	4	1
CWIP	0	0	—	0	—
Investments	2	0	0	0	15
	5	6	16	35	110
Total assets	7	6	17	39	126

₹ Cr	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-1	-0	-4	-16	-29	-190
	1	1	-0	-0	-16	14
	0	-0	4	17	52	208
Net cash flow	0	1	-1	0	7	32
Free cash flow	-1	-1	-5	-16	—	—
CFO / Operating profit %	—	—	-413.2%	-551.2%	—	—

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Ratios

Annual operating, return, leverage and working-capital ratios.

Standalone figures

Ratio	Mar 2019	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Margins
Gross margin %	—	70.2%	—	—	—
EBITDA margin %	-33.5%	-36.2%	-108%	11.6%	9.7%
EBIT margin %	-33.5%	-36.2%	-110%	5.5%	7.1%
PAT margin %	-5.4%	104.3%	210%	-6%	-3.8%
Working capital
Receivable days	—	—	—	0	0
Inventory days	—	0	0	0	0
Payable days	—	—	—	—	—
NWC days	—	—	—	—	—
Leverage
Current ratio	—	—	—	—	—
Debt to EBITDA	—	—	—	5.91	9.12
Debt to equity	—	0.1	0.08	1.3	7.13
Interest coverage	-10.3	—	—	0.4	0.6
Asset turnover	—	0.07	0.08	0.55	0.76
Return ratios
Return on assets %	—	7.3%	17%	-3.3%	-2.9%
Return on capital employed %	—	—	—	—	—
Return on equity %	—	8.6%	20%	-11.5%	-30.8%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Day counts average the opening and closing balance; receivables turn on revenue, inventory and payables on cost of goods sold.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	71.86%	71.86%	70.44%	70.44%	66.58%	33.83%	24.98%	24.98%	24.93%	24.64%	24.64%	19.84%
	0%	0%	0%	0%	0%	0%	11.29%	11.29%	11.29%	11.29%	11.29%	11.29%
	0%	0%	0%	0%	0%	0%	8.47%	8.58%	8.58%	8.56%	8.7%	8.7%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	28.14%	28.14%	29.56%	29.56%	33.42%	66.17%	55.26%	55.15%	55.2%	55.51%	55.37%	60.17%
No. of shareholders	—	—	—	—	—	—	—	—	819	2,199	2,040	2,035

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F&O

Current futures and options contracts with compact option-chain pages.

Not in the F&O segment

Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

No fund holdings on record

No scheme among the 32 fund houses on record reported a position in Unifinz Capital India Ltd. Portfolios are published monthly by each AMC; coverage is still partial.

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

Loading documents…

Events

Upcoming dates and the company’s corporate-action history.

2

Interim dividend6 Apr 2026 · ex-date₹0.5
Interim dividend4 Apr 2025 · ex-date₹0.5

1

Board meeting to consider results8 Aug 2026

1

Bonus 4:119 Dec 2025 · ex-date

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

19 announcementsExport CSV

30 Sept 2026, 12:43 pmCompany Update

Announcement under Regulation 30 (LODR)-Meeting Updates

Meeting Updates PDF

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Ratio	Mar 2019	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Margins
Gross margin %	—	70.2%	—	—	—
EBITDA margin %	-33.5%	-36.2%	-108%	11.6%	9.7%
EBIT margin %	-33.5%	-36.2%	-110%	5.5%	7.1%
PAT margin %	-5.4%	104.3%	210%	-6%	-3.8%
Working capital
Receivable days	—	—	—	0	0
Inventory days	—	0	0	0	0
Payable days	—	—	—	—	—
NWC days	—	—	—	—	—
Leverage
Current ratio	—	—	—	—	—
Debt to EBITDA	—	—	—	5.91	9.12
Debt to equity	—	0.1	0.08	1.3	7.13
Interest coverage	-10.3	—	—	0.4	0.6
Asset turnover	—	0.07	0.08	0.55	0.76
Return ratios
Return on assets %	—	7.3%	17%	-3.3%	-2.9%
Return on capital employed %	—	—	—	—	—
Return on equity %	—	8.6%	20%	-11.5%	-30.8%

45 deals · 14 Dec 2022 – 22 Jun 2026

Date	Client	Type	Venue	Side	Quantity	Price	Value
22 Jun 2026	VIKAS GOYAL	Bulk	BSE	Buy	2,22,890	₹99.75	₹2.22 Cr
19 Jun 2026	VIKAS GOYAL	Bulk	BSE	Buy	3,20,937	₹104.92	₹3.37 Cr
19 Jun 2026	PAWAN KUMAR MITTAL	Bulk	BSE	Sell	3,00,000	₹105.00	₹3.15 Cr
19 Jun 2026	VIKAS GOYAL	Bulk	BSE	Sell	6,694	₹95.00	₹0.06 Cr
18 Jun 2026	VIKAS GOYAL	Bulk	BSE	Buy	4,56,664	₹100.07	₹4.57 Cr
18 Jun 2026	KIRAN MITTAL	Bulk	BSE	Sell	4,00,000	₹100.00	₹4.00 Cr
17 Jun 2026	VIKAS GOYAL	Bulk	BSE	Buy	2,33,542	₹103.59	₹2.42 Cr
17 Jun 2026	KIRAN MITTAL	Bulk	BSE	Sell	2,25,000	₹103.59	₹2.33 Cr
16 Jun 2026	VIKAS GOYAL	Bulk	BSE	Buy	2,40,967	₹98.56	₹2.37 Cr
16 Jun 2026	KIRAN MITTAL	Bulk	BSE	Sell	2,25,000	₹98.66	₹2.22 Cr

1–10 of 45

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Bulk deals are a client trading over 0.5% of the equity in a session, aggregated across their trades; block deals are single negotiated trades in the exchange’s block window. Each is reported by the exchange it was crossed on, so NSE and BSE rows are separate trades rather than the same trade twice.

Date	Category	Subject	Filing
30 Sept 2026, 12:43 pm	Company Update Meeting Updates	Announcement under Regulation 30 (LODR)-Meeting Updates	PDF
16 Sept 2026, 2:39 pm	Company Update Meeting Updates	Announcement under Regulation 30 (LODR)-Meeting Updates	PDF
8 Sept 2026, 5:49 pm	Insider Trading / SAST Disclosures under Reg. 31(1) and 31(2) of SEBI (SAST) Regulations, 2011	Disclosures of reasons for encumbrance by promoter of listed companies under Reg. 31(1) read with Regulation 28(3) of SEBI (SAST) Regulations, 2011.	PDF
8 Sept 2026, 5:45 pm	Insider Trading / SAST Disclosures under Reg. 31(1) and 31(2) of SEBI (SAST) Regulations, 2011	Disclosures under Reg. 31(1) and 31(2) of SEBI (SAST) Regulations, 2011.	PDF
8 Sept 2026, 2:28 pm	Company Update Meeting Updates	Announcement under Regulation 30 (LODR)-Meeting Updates	PDF
3 Sept 2026, 4:20 pm	Others Reg. 50 (1) - Prior intimation about Board meeting under Regulation 50(1))	Compliances-Reg. 50 (1) - Prior intimation about Board meeting under Regulation 50(1)	PDF
2 Sept 2026, 2:02 pm	Others Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD	Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD	PDF
19 Aug 2026, 1:06 pm	Company Update Meeting Updates	Announcement under Regulation 30 (LODR)-Meeting Updates	PDF

Unifinz Capital India Ltd

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Ratios

Shareholding

F&O

Not in the F&O segment

Fund holders

No fund holdings on record

Documents

Announcements

Events

2

1

1

Announcements

2

1

1

Not in the F&O segment

No fund holdings on record

Announcements

Annual reports

Credit ratings

Compounded sales growth

Return on equity

Unifinz Capital India Ltd

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Ratios

Ratio timeline

Shareholding

Quarterly record

F&O

Not in the F&O segment

Fund holders

No fund holdings on record

Documents

Announcements

Events

Dividends2

Board meetings1

Bonus issues1

Announcements

Ratio timeline

Dividends2

Board meetings1

Bonus issues1

Not in the F&O segment

No fund holdings on record

Announcements

Quarterly record

Annual reports

Credit ratings

Bulk & block deals

Board and management

Profit & loss

Balance sheet

Cash flow

Compounded returns

Compounded sales growth

Return on equity

2

1

1

2

1

1