Unifinz Capital [UCIL] vs Bajaj Finance [BAJFINANCE] Detailed Stock Comparison

Unifinz Capital India Ltd.

BSE
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Bajaj Finance Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Unifinz Capital India Ltd. wins in 10 metrics, Bajaj Finance Ltd. wins in 8 metrics, with 0 ties. Unifinz Capital India Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Unifinz Capital India Ltd. Bajaj Finance Ltd. Better
P/E Ratio (TTM) 4.72 31.69 Unifinz Capital India Ltd.
Price-to-Book Ratio 3.85 5.53 Unifinz Capital India Ltd.
Debt-to-Equity Ratio 112.77 310.29 Unifinz Capital India Ltd.
PEG Ratio 0.07 54.50 Unifinz Capital India Ltd.
EV/EBITDA 6.84 N/A N/A
Profit Margin (TTM) 31.04% 43.68% Bajaj Finance Ltd.
Operating Margin (TTM) 47.14% 55.55% Bajaj Finance Ltd.
EBITDA Margin (TTM) 47.14% 55.55% Bajaj Finance Ltd.
Return on Equity 25.86% 16.82% Unifinz Capital India Ltd.
Return on Assets (TTM) 15.93% 3.57% Unifinz Capital India Ltd.
Free Cash Flow (TTM) $-309.90M $-692.36B Unifinz Capital India Ltd.
Dividend Yield 0.08% 10.01% Bajaj Finance Ltd.
1-Year Return -25.42% -1.59% Bajaj Finance Ltd.
Price-to-Sales Ratio (TTM) 1.88 13.83 Unifinz Capital India Ltd.
Enterprise Value $5.82B $8,982.32B Bajaj Finance Ltd.
EV/Revenue Ratio 2.40 21.76 Unifinz Capital India Ltd.
Gross Profit Margin (TTM) 86.12% N/A N/A
Revenue per Share (TTM) $100 $66 Unifinz Capital India Ltd.
Earnings per Share (Diluted) $21.84 $28.98 Bajaj Finance Ltd.
Beta (Stock Volatility) 0.49 0.31 Bajaj Finance Ltd.

Unifinz Capital India Ltd. vs Bajaj Finance Ltd. Stock Performance Analysis

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UCIL
BAJFINANCE

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Unifinz Capital India Ltd.4.99%40.04%-6.96%5.58%-27.16%-1.07%
Bajaj Finance Ltd.2.61%8.17%3.50%7.31%-6.95%-3.17%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Unifinz Capital India Ltd.-25.42%1,093.33%894,900.00%894,900.00%894,900.00%894,900.00%
Bajaj Finance Ltd.-1.59%27.49%50.86%1,119.52%16,095.77%32,008.39%

Performance & Financial Health Analysis: Unifinz Capital India Ltd. vs Bajaj Finance Ltd.

MetricUCILBAJFINANCE
Market Information
Market Cap i₹4.59B₹5.71T
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i79,9778,128,781
90 Day Avg. Volume i30,30511,082,959
Last Close₹93.97₹942.30
52 Week Range₹61.00 - ₹129.51₹787.90 - ₹1,102.50
% from 52W High-27.44%-14.53%
All-Time High₹674.70 (Feb 10, 2025)₹9,788.00 (Jun 09, 2025)
% from All-Time High-86.07%-90.37%
Growth Metrics
Quarterly Revenue Growth2.02%0.06%
Quarterly Earnings Growth3.41%-0.06%
Financial Health
Profit Margin (TTM) i0.31%0.44%
Operating Margin (TTM) i0.47%0.56%
Return on Equity (TTM) i0.26%0.17%
Debt to Equity (MRQ) i112.77310.29
Cash & Liquidity
Book Value per Share (MRQ)₹26.74₹166.19
Cash per Share (MRQ)₹1.74₹20.60
Operating Cash Flow (TTM) i₹-643,588,000₹-147,267,100,000
Levered Free Cash Flow (TTM) i₹200.56M₹166.38B
Dividends
Last 12-Month Dividend Yield i0.08%10.01%
Last 12-Month Dividend i₹0.50₹92.00

Valuation & Enterprise Metrics Analysis: Unifinz Capital India Ltd. vs Bajaj Finance Ltd.

MetricUCIL (Apr 24, 2026)BAJFINANCE (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i4.7231.69
Forward P/E iN/A22.75
PEG Ratio i0.0754.50
Price to Sales (TTM) i1.8813.83
Price to Book (MRQ) i3.855.53
Market Capitalization
Market Capitalization i₹4.59B₹5.71T
Enterprise Value i₹5.82B₹8.98T
Enterprise Value Metrics
Enterprise to Revenue i2.4021.76
Enterprise to EBITDA i6.84N/A
Risk & Other Metrics
Beta i0.490.31
Book Value per Share (MRQ) i₹26.74₹166.19

Financial Statements Comparison: Unifinz Capital India Ltd. vs Bajaj Finance Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricUCIL (2025)BAJFINANCE (2025)
Revenue/Sales i1.21B423.56B
Cost of Goods Sold i207.69MN/A
COGS % of Revenue i17.1%0.0%
Gross Profit i1.00BN/A
Gross Margin i82.9%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i551.63MN/A
Operating Margin i45.5%0.0%
EBITDA i850.98MN/A
EBITDA Margin i70.2%0.0%
Pre-Tax Income i266.35M220.80B
Pre-Tax Income % of Revenue i22.0%52.1%
Income Tax i65.79M53.00B
Income Tax % of Revenue i5.4%12.5%
Net Income (Profit) i200.56M167.79B
Profit Margin i16.5%39.6%

Balance Sheet & Liquidity Metrics

MetricUCIL (2025)BAJFINANCE (2025)
Cash & Equivalents i70.00M107.68B
Total Current Assets i1.06BN/A
Total Current Assets % of Revenue i87.2%0.0%
Total Current Liabilities i457.30MN/A
Total Current Liabilities % of Revenue i37.7%0.0%
Long-Term Debt i17.92M2.75T
Long-Term Debt % of Revenue i1.5%650.1%
Total Shareholders Equity i775.45M989.37B
Retained Earnings i155.47M517.83B
Retained Earnings % of Revenue i12.8%122.3%
Property, Plant & Equipment i24.78M5.52B

Cash Flow Statement Comparison

MetricUCIL (2025)BAJFINANCE (2025)
Operating Cash Flow i-643.59M-147.27B
Operating Cash Flow % of Revenue i-53.1%-34.8%
Capital Expenditures i20,000-5.48B
Free Cash Flow i-309.90M-692.36B
FCF Margin i-25.6%-163.5%
Debt Repayment iN/A-390.27B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricUCILBAJFINANCE
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i44.27M6.22B
Float Shares i8.50M2.65B
% Held by Insiders i81.87%56.26%
% Held by Institutions i0.00%24.14%
% Held by Public i18.13%19.60%

Dividend Analysis & Yield Comparison: Unifinz Capital India Ltd. vs Bajaj Finance Ltd.

MetricUCILBAJFINANCE
Last 12-Month Dividend i₹0.50₹92.00
Last 12-Month Dividend Yield i0.08%10.01%
3-Year Avg Annual Dividend i₹0.17₹47.33
3-Year Avg Dividend Yield i0.08%1.22%
3-Year Total Dividends i₹0.50₹142.00
Ex-Dividend DateApr 04, 2025May 30, 2025