Is U.Y. Fincorp the Best Stock in Its Sector? A Look at the Numbers

Is U.Y. Fincorp the best stock in its sector? The stock trades on the NSE at Rs 24.00 as of 09 October 2026, within its 52-week range of Rs 11.50 to Rs 24.20. U.Y. Fincorp Ltd, incorporated in 1993, is an RBI-registered non-deposit taking NBFC lending through inter-corporate loans, personal loans and securities.

U.Y. Fincorp sits in the Finance sector, and its 12.41% ROE and 7.30x P/E give a starting point for judging where it stands against comparable listed names. The rest of this article compares those numbers against verified peers and the sector's Industry P/E benchmark.

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About U.Y. Fincorp

U.Y. Fincorp Ltd, incorporated in 1993, is an RBI-registered non-deposit taking NBFC lending through inter-corporate loans, personal loans and securities. The company does not currently pay a dividend. The stock trades within 1 percent of its 52-week high and about 2.1 times its 52-week low. At a market capitalisation of Rs 453 Cr, it is tracked as part of the Finance sector on Univest.

Is U.Y. Fincorp the Best Stock in Its Sector?

U.Y. Fincorp makes its case as the best stock in its sector primarily on valuation relative to its Industry P/E, combining a 12.41% ROE with a 7.30x P/E against the sector's 21.69x Industry P/E. U.Y. Fincorp's 7.30x P/E is far below the 21.69x Industry P/E with a 12.41% ROE and almost no debt, though the stock is within 1 percent of its 52-week high, a Rs 453 Cr market capitalisation makes it small, and lending earnings can swing with credit quality.

Metric	U.Y. Fincorp
CMP (NSE)	Rs 24.00
52-Week High / Low	Rs 24.20 / Rs 11.50
Market Cap	Rs 453 Cr
P/E (TTM) vs Industry P/E	7.30x vs 21.69x
P/B	1.16
ROE	12.41%
EPS (TTM)	Rs 3.26
Dividend Yield	0.00%
Debt to Equity	0.01

Compare U.Y. Fincorp Against Other Finance Sector Stocks

How U.Y. Fincorp Compares Against Its Finance Sector Peers

The table below sets U.Y. Fincorp against 2 other Finance sector names, using the same live data source for every company. A peer average row is included for P/E, ROE and debt to equity, calculated across the 2 peer companies.

Company	Market Cap (Rs Cr)	P/E	ROE	Debt to Equity
U.Y. Fincorp	453	7.30	12.41%	0.01
Baid Finserv	165	10.80	6.43%	1.23
Akme Fintrade India	333	7.50	9.98%	1.19
Peer average (2 companies)	-	9.15	8.21%	1.21

Against this peer set, U.Y. Fincorp's 12.41% ROE is above the 8.21% peer average, and its P/E of 7.30x runs below the peer average of 9.15x. U.Y. Fincorp's 7.30x P/E is far below the 21.69x Industry P/E with a 12.41% ROE and almost no debt, though the stock is within 1 percent of its 52-week high, a Rs 453 Cr market capitalisation makes it small, and lending earnings can swing with credit quality.

What Makes U.Y. Fincorp Worth Watching in Finance

• Very low P/E: A 7.30x P/E against a 21.69x Industry P/E is one of the widest gaps in this batch.
• Clean leverage: A debt to equity ratio of 0.01 is unusually low for an NBFC.
• At the high: The stock is trading right at its 52-week high, so the discount to industry has already narrowed in price terms.

U.Y. Fincorp Valuation: Is It Justified?

U.Y. Fincorp's 7.30x P/E is far below the 21.69x Industry P/E with a 12.41% ROE and almost no debt, though the stock is within 1 percent of its 52-week high, a Rs 453 Cr market capitalisation makes it small, and lending earnings can swing with credit quality. As with any single stock, investors should weigh this against their own valuation discipline and risk appetite rather than the sector label alone.

Also read – Is Total Transport Systems the Best Stock in Its Sector? A Look at the Numbers

Download the Univest iOS App or Univest Android App to track U.Y. Fincorp and other Finance sector stocks.

How to Track U.Y. Fincorp Before You Invest

Before deciding whether U.Y. Fincorp deserves its label as the best stock in its sector for your own portfolio, compare it directly against Finance sector peers using the steps below.

1. Open the Univest Screener and search for U.Y. Fincorp to view live price, valuation ratios, and peer comparisons within the Finance sector.
2. Compare its P/E, P/B, and ROE against other Finance sector stocks before deciding if the current valuation fits your strategy.
3. Set a price alert around key support and resistance zones using the Univest app so you are notified of meaningful moves.
4. Open a broking account on Univest if you decide to add the stock, and size the position based on your own risk appetite and portfolio allocation.

Conclusion

U.Y. Fincorp earns a place in the best stock in its sector conversation on the strength of a 12.41% ROE and a P/E of 7.30x against a 21.69x Industry P/E, with named peer comparisons in this article backing up that picture. As with any individual stock decision, this analysis is educational and investors should do their own research or consult a SEBI-registered advisor before investing.

Is U.Y. Fincorp the best stock in its sector?

Ans. U.Y. Fincorp has a 12.41% ROE and trades at 7.30x P/E against a 21.69x Industry P/E, and compares above the peer average ROE of 8.21% in this article's named comparison, so the answer depends on what an investor is prioritising.

What is the current share price of U.Y. Fincorp?

Ans. U.Y. Fincorp was trading at Rs 24.00 on the NSE as of 09 October 2026, within its 52-week range of Rs 11.50 to Rs 24.20.

What sector does U.Y. Fincorp belong to?

Ans. U.Y. Fincorp is classified under the Finance sector on Univest.

How does U.Y. Fincorp compare to its sector peers on P/E?

Ans. U.Y. Fincorp's P/E of 7.30x is below the 9.15x average of the 2 named peers compared in this article.

What is U.Y. Fincorp's return on equity?

Ans. U.Y. Fincorp reported a return on equity of 12.41%, which is above the 8.21% average of its named peers in this comparison.

Should I invest in U.Y. Fincorp based on its sector position?

Ans. U.Y. Fincorp's sector position and metrics make it worth researching further, but any investment decision should factor in your own risk appetite, its valuation relative to peers, and independent research or advice from a SEBI-registered advisor.

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