Unifinz Capital India Limited is a NBFC registered with the RBI. lendingplate is the brand name under which the company conducts its lending operations and specialises in meeting customer’s instant financial needs.
Business Overview:[1][2]UCIL is a Non Systematically ImportantNon Deposit Taking Non Banking Finance. Company is in the business of advancing loans and investing /trading in securities and present in 224 cities through its branches and onlineplatform
| S.No. | Name | Current Price (Rs.) | Price to Earning | Market Capitalization (Rs.Cr.) | Dividend yield (%) | Net Profit latest quarter (Rs.Cr.) | YOY Quarterly profit growth (%) | Sales latest quarter (Rs.Cr.) | YOY Quarterly sales growth (%) | Return on capital employed (%) | Sales (Rs.Cr.) | OPM (%) | Profit after tax (Rs.Cr.) | Profit after tax latest quarter (Rs.Cr.) | Price to book value | Return on assets (%) | Debt to equity |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Bajaj Finance | 977.35 | 33.23 | 608154.26 | 0.45 | 4947.76 | 21.89 | 20178.90 | 18.06 | 11.35 | 76194.74 | 68.48 | 18301.08 | 4875.36 | 5.89 | 3.99 | 3.85 |
| 2. | Shriram Finance | 1002.65 | 21.53 | 188634.77 | 0.99 | 2314.16 | 12.22 | 11912.44 | 18.07 | 10.95 | 45601.30 | 72.59 | 8760.03 | 2314.22 | 3.11 | 3.04 | 3.87 |
| 3. | Muthoot Finance | 3940.70 | 21.66 | 158206.68 | 0.66 | 2411.65 | 90.36 | 7282.79 | 47.76 | 13.19 | 24544.40 | 75.96 | 7303.69 | 2420.63 | 4.82 | 4.67 | 3.76 |
| 4. | Tata Capital | 361.55 | 41.71 | 153473.24 | 0.00 | 1118.97 | 2.01 | 7737.18 | 7.69 | 9.58 | 28323.85 | 71.64 | 3658.33 | 1097.32 | – | 1.72 | 5.88 |
| 5. | Cholaman.Inv.&Fn | 1805.40 | 32.80 | 152349.31 | 0.11 | 1159.61 | 19.82 | 7491.38 | 19.76 | 10.34 | 28536.73 | 69.18 | 4645.19 | 1159.61 | 5.86 | 2.38 | 7.23 |
| 6. | SBI Cards | 901.55 | 44.73 | 85789.46 | 0.28 | 444.77 | 9.98 | 4960.98 | 12.21 | 10.40 | 19130.54 | 27.49 | 1918.14 | 444.77 | 5.80 | 3.10 | 3.33 |
| 7. | L&T Finance Ltd | 319.35 | 29.62 | 79921.41 | 0.86 | 734.88 | 5.64 | 4335.75 | 7.87 | 8.71 | 16715.82 | 60.77 | 2698.51 | 734.84 | 3.03 | 2.37 | 3.72 |
| 8. | Unifinz Capital | 104.85 | 8.54 | 464.15 | 0.10 | 24.05 | 391.82 | 129.07 | 443.68 | 47.09 | 294.67 | 30.33 | 54.38 | 24.05 | 3.92 | 24.30 | 1.13 |
| – | Median: 97 Co. | 134.5 | 22.21 | 490.13 | 0.0 | 7.13 | 8.55 | 36.92 | 13.44 | 9.02 | 164.36 | 56.33 | 17.32 | 6.11 | 1.98 | 3.04 | 0.78 |
Standalone figures in ₹ crores
| Dec 2022 | Dec 2023 | Dec 2024 | Jun 2023 | Jun 2024 | Jun 2025 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | 2 | 8 | 37 | 4 | 15 | 83 | 3 | 9 | 45 | 3 | 9 | 24 | 129 |
Expenses | 2 | 8 | 27 | 4 | 11 | 57 | 3 | 8 | 34 | 1 | 7 | 15 | 87 |
Operating Profit | 0 | -0 | 10 | -0 | 4 | 26 | -0 | 1 | 11 | 1 | 2 | 8 | 42 |
Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
Profit before tax | -1 | -1 | 8 | -1 | 3 | 22 | -1 | -1 | 9 | 1 | 1 | 7 | 33 |
Tax % | -35% | -25% | 26% | -26% | 34% | 25% | -36% | -55% | 20% | 35% | 27% | 26% | 27% |
Net Profit | -0 | -1 | 6 | -1 | 2 | 17 | -1 | -0 | 7 | 0 | 1 | 5 | 24 |
EPS in Rs | -0.20 | -0.68 | 1.88 | -0.33 | 1.06 | 3.79 | -0.36 | -0.15 | 1.67 | 0.25 | 0.44 | 2.95 | 5.43 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 2 | 9 | 30 | 122 | 295 |
Expenses | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 8 | 27 | 87 | 205 |
Operating Profit | -0 | 0 | 0 | 0 | 1 | -0 | 0 | 1 | 1 | 1 | 3 | 35 | 89 |
Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 4 | 7 | 16 |
Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
Profit before tax | -0 | 0 | 0 | 0 | 1 | -0 | 0 | 1 | 1 | -1 | -2 | 27 | 73 |
Net Profit | -0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 1 | -1 | -1 | 20 | 54 |
EPS in Rs | – | – | – | – | – | -0.06 | 0.00 | 0.31 | 0.67 | -0.35 | -0.73 | 4.53 | 12.77 |
Dividend Payout % | 0% | – | 57% | – | 0% | 0% | – | 0% | 0% | 0% | 0% | 2% | – |
Standalone figures in ₹ crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 0.24 | 0.24 | 1 | 1 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 9 | 9 |
Reserves | 0 | 1 | 0 | 0 | 1 | 1 | 1 | 3 | 2 | 2 | 1 | 69 | 110 |
Borrowings | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 6 | 27 | 33 | 133 |
Other Liabilities | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 6 | 8 | 15 | 49 |
Total Liabilities | 0 | 1 | 2 | 2 | 7 | 5 | 5 | 7 | 6 | 17 | 39 | 126 | 301 |
Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 4 | 3 | 3 |
Gross Block | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.18 | 5.36 | 5.33 | 8.40 | – |
Accumulated Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.57 | 0.99 | 5.89 | – |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 0 | 0 | 0 | 15 | 0 |
Other Assets | 0 | 1 | 2 | 2 | 7 | 4 | 4 | 5 | 6 | 12 | 35 | 108 | 298 |
Total Assets | 0 | 1 | 2 | 2 | 7 | 5 | 5 | 7 | 6 | 17 | 39 | 126 | 301 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operating Activity | – | – | – | -0 | -3 | -1 | -0 | -1 | -0 | -4 | -16 | -30 |
Cash from Investing Activity | – | – | – | 0 | 0 | 2 | 0 | 1 | 1 | -0 | -0 | -16 |
Cash from Financing Activity | – | – | – | -0 | 3 | -1 | -0 | 0 | -0 | 4 | 17 | 52 |
Net Cash Flow | – | – | – | -0 | -0 | 1 | -1 | 0 | 1 | -1 | 0 | 6 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 0 | 0 | 0 | 0 | 0 | 171 | 0 | 0 | 0 | 0 | 0 | 0 |
Inventory Days | – | – | – | – | 4,801 | 521 | 42 | 0 | – | – | – | – |
Days Payable | – | – | – | – | 0 | 11 | 9 | – | – | – | – | – |
Cash Conversion Cycle | 0 | 0 | 0 | 0 | 4,801 | 680 | 33 | 0 | 0 | 0 | 0 | 0 |
Working Capital Days | -365 | -274 | -30 | -61 | 267 | 689 | 144 | 80 | -31 | -202 | -89 | -33 |
ROCE % | -4% | 0% | 2% | 2% | 20% | -1% | 0% | 10% | 20% | 6% | 10% | 47% |
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Stock Analysis
Unifinz Capital India Limited is a Non-Banking Financial Company (NBFC) operating under the brand name 'lendingplate', specializing in lending operations and advancing loans, with a presence across multiple cities.
The company has demonstrated strong financial performance, with a reported 915% year-on-year increase in PAT for Q1 FY26, driven by robust disbursement growth and a scalable technology platform. Recent corporate actions include a recommended 4:1 bonus share issuance and the approval of an Employee Stock Option Plan.
Not applicable for an NBFC.
The company has faced regulatory scrutiny, including a ₹2.48 lakh fine from BSE for non-compliance with board composition rules (absence of a woman director). There has also been a significant decrease in promoter holding over recent periods.
The Board meeting for Q2 FY26 results was held on November 14, 2025. An EGM was held on December 10, 2025, for approvals. The current news mentions a board meeting on January 12, 2026, for appointing an interim CFO.
Corporate Announcements
