UY Fincorp Intrinsic Value
UY Fincorp (UYFINCORP) median intrinsic value is ₹12.63 from 9 valuation models (range ₹7–₹25), vs current price ₹20.36 — -38.0% downside (Trading Above Calculated Value), margin of safety -61.2%. For current market price and key ratios, visit UYFINCORP stock price BSE.
UYFINCORP Valuation Methods Summary — DCF, Graham Number & P/E
UY Fincorp intrinsic value across 9 models vs current price ₹20.36 — upside/downside and value range per method. Compare with UYFINCORP fundamental valuation to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹13.44 | ₹10.75 - ₹16.13 | -34.0% | EPS: ₹1.12, Sector P/E: 12x |
| Book Value Method | asset | ₹20.55 | ₹18.50 - ₹22.61 | +0.9% | Book Value/Share: ₹25.68, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹7.58 | ₹6.82 - ₹8.34 | -62.8% | Revenue/Share: ₹7.58, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹12.63 | ₹11.37 - ₹13.89 | -38.0% | EBITDA: ₹24.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹8.14 | ₹6.51 - ₹9.77 | -60.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹7.17 | ₹6.45 - ₹7.89 | -64.8% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹9.23 | ₹8.31 - ₹10.15 | -54.7% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹21.05 | ₹18.95 - ₹23.16 | +3.4% | ROE: 8.2%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹25.44 | ₹22.90 - ₹27.98 | +25.0% | EPS: ₹1.12, BVPS: ₹25.68 |
UYFINCORP Intrinsic Value vs Market Price — All Valuation Models
UY Fincorp fair value range ₹7–₹25 vs current market price ₹20.36 across 9 valuation models. Read UYFINCORP dividend yield for the complete payout history and dividend yield track record.
UYFINCORP Intrinsic Value Analysis — Undervalued or Overvalued?
UY Fincorp median intrinsic value ₹12.63, current price ₹20.36 — Trading Above Calculated Value by 38.0%, margin of safety -61.2%.
What is the intrinsic value of UYFINCORP?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of UY Fincorp (UYFINCORP) is ₹12.63 (median value). With the current market price of ₹20.36, this represents a -38.0% variance from our estimated fair value.
The valuation range spans from ₹7.17 to ₹25.44, indicating ₹7.17 - ₹25.44.
Is UYFINCORP undervalued or overvalued?
Based on our multi-method analysis, UY Fincorp (UYFINCORP) appears to be trading above calculated value by approximately 38.0%.
UYFINCORP Financial Health — Key Ratios vs Industry Benchmarks
UY Fincorp financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 4.14 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Return on Equity | 8.2% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 24.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.23x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
UYFINCORP Cash Flow Quality — Operating & Free Cash Flow
UY Fincorp operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2022 | ₹-13 Cr | ₹-14 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹5 Cr | ₹5 Cr | Positive Free Cash Flow | 8/10 |
| March 2020 | ₹18 Cr | ₹6 Cr | Positive Free Cash Flow | 7/10 |
| March 2019 | ₹2 Cr | ₹1 Cr | Positive Free Cash Flow | 7/10 |
| March 2018 | ₹-10 Cr | ₹-10 Cr | Negative Cash Flow | 3/10 |