KOTAK MAHINDRA BANK LTD vs U. Y. FINCORP LIMITED

A side-by-side comparison of KOTAK MAHINDRA BANK LTD (KOTAKBANK) and U. Y. FINCORP LIMITED (UYFINCORP) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

KOTAKBANK logo
KOTAK MAHINDRA BANK LTD
KOTAKBANK
₹424.65+1.25%
Leads on the numbers
VS
UYFINCORP logo
U. Y. FINCORP LIMITED
UYFINCORP
₹19.7+0.92%
The verdict

On the numbers, KOTAK MAHINDRA BANK LTD leads KOTAKBANK vs UYFINCORP on 7 of 14 metrics (1 undecided). See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation22
  • Profitability13
  • Growth01
  • Size & financial health40
ValueReturnsMarginGrowthScaleLow debt

Each axis shows this group's split of that metric, scaled so the leader sits at the edge. Relative to each other, not an absolute score.

Valuation

Even

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

21.90
P/E ratio
7.76
2.19
P/B ratio
0.98
0.15%
Dividend yield
0.00%
₹19.39
EPS
₹2.54

Profitability

UYFINCORP takes 3/4

How efficiently each company turns capital and sales into profit. Higher is better.

11.20%
Return on equity
12.34%
6.93%
Return on capital
2.08%
24.31%
EBITDA margin
41.65%
17.25%
Net margin
29.87%

Growth

UYFINCORP takes 1/2

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

—
Revenue CAGR (3Y) even
42.75%
8.92%
Profit CAGR (3Y)
82.06%

Size & financial health

KOTAKBANK takes 4/4

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹4.22L Cr
Market cap
₹384 Cr
₹1.11L Cr
Revenue
₹162 Cr
₹19,288 Cr
Net profit
₹48 Cr
0.00
Debt / equity
0.01
KOTAK MAHINDRA BANK LTD
  • − ["Company has low interest coverage ratio.", "Company has a low return on equity of 13.7% over last 3 years.", "Contingent liabilities of Rs.10,54,268 Cr.", "Earnings include an other income of Rs.40,409 Cr.", "Dividend payout has been low at 2.59% of profits over last 3 years", "Working capital days have increased from 97.7 days to 145 days"]
U. Y. FINCORP LIMITED
  • + ["Company has reduced debt.", "Company is almost debt free.", "Stock is trading at 0.97 times its book value", "Company is expected to give good quarter", "Company has delivered good profit growth of 38.4% CAGR over last 5 years", "Company's working capital requirements have reduced from 84.7 days to 28.1 days"]
  • − ["Though the company is reporting repeated profits, it is not paying out dividend", "Company has a low return on equity of 12.9% over last 3 years."]
KOTAK MAHINDRA BANK LTD full analysis U. Y. FINCORP LIMITED full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.