Unifinz Capital India (BSE: UCIL) had a P/E of 6.7× on 6 Nov 2026. Its ROE of 72% is the highest among the 7 largest Credit Services peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 3.56× book value and its dividend yield is 0.4%. It is a small-cap company with a market cap of ₹585 Cr, ranked 50th of 193 Credit Services companies by market cap; the shares rose 33% over the past year.
- ₹133.10
- ₹135.50
- ₹132.10
- ₹134.70
- 1.4K
Health check
- ReturnsAhead
+33.4% over a year, better than 7 of 7 peers.
- Price tagPricier
P/B 3.56 vs peer median 2.62.
- Growthn/a
Not enough yearly results to measure.
- ProfitabilityStrong
ROE 72.1% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flagsNone found
No warning signs in the headline numbers.
Small cap
Defensive
Key metrics
- Market cap
- ₹585 Cr
- Small cap
- P/E
- 6.7
- Industry 15.5
- Price to book
- 3.56
- Peers 2.62
- Dividend yield
- 0.36%
- ROE
- 72.1%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹19.69
- OPM (TTM)
- 59.7%
- Net margin 27.7%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +3.2%
- Latest quarter vs a year ago
- Price to sales
- 1.84
Strengths and risks
Strengths
- Return on equity of 72.1%.
About Unifinz Capital India
Unifinz Capital India Limited operates as a non-banking finance company in India. It offers personal, travel, wedding, balance transfer, education, home renovation, debt consolidation, medical emergency, long and short term, and instant cash loans. The company also provides loans for salaried employees, chartered accountant, and government employees. The company was formerly known as Shree Worstex Limited and changed its name to Unifinz Capital India…
- Headquarters
- New Delhi
- Employees
- 517
- Sector
- Financial Services
- ISIN
- INE926R01012
- Website
- unifinz.in
Price range
- Avg volume (3M)
- 12.9K
- 1-year return
- plus 33.4%
- From 52-week high
- minus 9.6%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| UCILUnifinz Capital India | 132.10 | minus 1.93% | 585 | 6.7 | 3.56 | 72.1% | – | – | 0.36% | plus 33.4% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 82.9 | 129 | 148 | 152 | 180 | |
| 33.8 | 49.8 | 53.6 | 68.6 | 73.4 | |
| 49.1 | 79.3 | 93.9 | 83.4 | 107 | |
| 59.2% | 61.4% | 63.7% | 54.9% | 59.3% | |
| 0.1 | 0 | 0.1 | 0.1 | 0.1 | |
| 0.3 | 0.2 | 0.2 | 0.3 | 0.5 | |
| −26.5 | −46.1 | −55.6 | −59.4 | −83.2 | |
| 22.4 | 33 | 38.2 | 23.8 | 23.2 | |
| 24.9% | 27.2% | 29.1% | 19.1% | 25.3% | |
| 16.8 | 24 | 27.1 | 19.2 | 17.4 | |
| 3.80 | 5.43 | 6.11 | 4.32 | 3.83 |
Profit & loss
- ROE
- 72.1%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 9.1 | 29.8 | 121 | 511 | |
| – | +226.0% | +306.4% | +321.9% | |
| 8.2 | 23.4 | 92.3 | 389 | |
| 1 | 6.4 | 28.9 | 123 | |
| 10.8% | 21.5% | 23.8% | 24.0% | |
| 0 | −0 | 28.5 | 188 | |
| 0 | – | 0.8 | 4.4 | |
| 0.6 | 0.8 | 1.4 | 0.9 | |
| −1.3 | −7.4 | −28.5 | −188 | |
| −0.8 | −1.7 | 26.6 | 117 | |
| 34.5% | 34.6% | 24.7% | 25.7% | |
| −0.6 | −1.1 | 20.1 | 87.1 | |
| -0.35 | -0.72 | 5.07 | 19.60 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 3.1 | 3.1 | 8.9 | 44.3 | |
| 1.7 | 0.6 | 68.7 | 120 | |
| 10.8 | 31.7 | 34.1 | 278 | |
| 1 | 3.8 | 13.4 | 36.9 | |
| 16.7 | 39.3 | 125 | 479 | |
| 4.8 | 4.3 | 2.5 | 3.2 | |
| 0.1 | 0.1 | 1.6 | 2.3 | |
| 0.4 | 0.7 | 22.6 | 43.8 | |
| 11.4 | 34.2 | 98.4 | 430 | |
| 16.7 | 39.3 | 125 | 479 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −4.4 | −15.9 | −29.3 | −190 | |
| −0.4 | −0.3 | −15.6 | 14.1 | |
| 4.2 | 16.5 | 51.6 | 208 | |
| −0.7 | 0.3 | 6.7 | 31.7 | |
| −0.4 | −0.3 | −0.7 | −1.2 | |
| −4.8 | −16.2 | −30 | −192 | |
| – | – | – | −0.4 |
Shareholding pattern
This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.
Major shareholders
Filings & events
News
No recent news coverage found.