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UYFINCORP
U. Y. Fincorp LimitedSnapshot 2026-06-07 · 0.0w · Fresh
Strategy Eligibility
5 of 23 passing
★
OS Composite
OS 0.840
↗
Trending Value
✗
◆
Quality × Value
QV 0.767
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 5.8
◇
VC2 Cheapest
✗
📐
EBITDA/EV
23.6%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +25%
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
92.0%ile
P/E
5.8×
P/S
2.0×
P/B
0.7×
E/P
0.1738
FCF Yield
-0.016
EBITDA/EV
0.236
SH Yield
0.000
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
10.00000000
/100 — 1=cheapest
VC2 (Trending Value)
12.00000000
/100
VC3 (Buyback)
9.00000000
/100
P/E of 5.8x places this firmly in deep value territory. Negative FCF yield (-1.6%) — the business is currently cash-consumptive.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
64.0%ile
ROE
0.124
ROA
0.114
Net Margin
0.348
Op Margin
0.463
GPA
0.196
Current
37.73
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.253
Earn Growth
3.117
Stability
0.717
lower=better
Accruals
0.125
lower=better
5yr Consist
No
Accruals ratio of 0.125 is elevated — earnings quality may be lower than headline numbers suggest.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
23.0%ile
6M Return
0.1%
12M Return
-18.8%
12-1 Mom
-18.9%
Risk-Adj
-0.42
Vol 252d
45.5%
Vol 60d
79.4%
↑ Expanding
Max DD 12M
-41.6%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of -19% signals a downtrend — price is moving against you. Near-term vol (79%) is expanding vs long-term (45%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.84
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 237 peers
Sector Value %ile
96.2%
Sector Quality %ile
76.1%
P/E z-score
-0.46
P/B z-score
-0.11
Sector Avg OS
48.0%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
| Symbol | Name | OS | Value | Quality | Momentum |
|---|---|---|---|---|---|
| DCBBANK | 99.0% | 94.0% | 87.0% | 86.0% | |
| INDIANB | 98.0% | 89.0% | 76.0% | 90.0% | |
| JPOLYINVST | 98.0% | 84.0% | 93.0% | 89.0% | |
| SOUTHBANK | 98.0% | 92.0% | 67.0% | 93.0% | |
| BANKBARODA | 97.0% | 94.0% | 70.0% | 76.0% | |
| DHANBANK | 97.0% | 93.0% | 76.0% | 74.0% | |
| CANBK | 97.0% | 90.0% | 67.0% | 85.0% | |
| PNB | 96.0% | 93.0% | 70.0% | 71.0% |
Factor Interactions
Growth at Reasonable Price
Revenue growing 25% with P/E of 6×. Growth isn't fully priced in.
Volatility Expanding
60-day vol (79%) significantly exceeds 252-day (45%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
71.1% avg (7 factors)
Quality
B
63.1% avg (7 factors)
Momentum
F
18.2% avg (4 factors)
Risk
D
40.9% avg (1 factors)
This stock sits in the O'Shaughnessy sweet spot — cheap AND high quality. Historically, this combination has generated the strongest long-term returns. Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required. Elevated risk profile — position sizing should reflect the higher volatility.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.840 | —1 | — | |
| Value %ile | 0.920 | —1 | — | |
| Quality %ile | 0.640 | —0 | — | |
| Momentum %ile | 0.230 | —1 | — | |
| F-Score | 6.000 | —0 | — | |
| Confidence | 0.909 | —1 | — | |
| Volatility | 0.455 | —1 | — |
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
5.75
Earnings Yield (E/P)
0.1738
Price / Sales
2.00
Price / Book
0.71
FCF Yield
-1.6%
EBITDA / EV
23.6%
Sales Yield (1/P·S)
0.4961
Shareholder Yield
Div + net buyback / mktcap
0.0%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
12.4%
Return on Assets
11.4%
Net Margin
34.8%
Operating Margin
46.3%
Gross Profit / Assets
Novy-Marx GPA
19.6%
Current Ratio
37.73
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.125
MomentumPrice trend strength over different horizons
6M Return
0.1%
12M Return
-18.8%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
-18.9%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
-0.42
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
25.3%
Earnings Growth (YoY)
311.7%
Earnings Stability (CV)
Lower = more stable
0.717
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
6
Dividend Yield
0.0%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
10
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
12
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
9
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity