UY Fincorp (NSE:UYFINCORP) Moat Score: 0/10 (As of Aug. 03, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:UYFINCORP UY Fincorp Ltd NSE:UYFINCORP
71 GF Score
Price ₹19.76
GF Value ₹23.32
Valuation Modestly Undervalued
! 4 Warning Signs
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What is UY Fincorp Moat Score?

UY Fincorp has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

UY Fincorp has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes UY Fincorp might have No Moat - No discernible moat.

UY Fincorp  (NSE:UYFINCORP) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

UY Fincorp Moat Score Related Terms

NSE:UYFINCORP
71GF Score
UY Fincorp Ltd NSE:UYFINCORP
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is UY Fincorp (NSE:UYFINCORP) Overvalued in 2026?

Based on GuruFocus' analysis, UY Fincorp stock appears to be undervalued. The current stock price of ₹19.76 is trading 15.3% below its estimated GF Value™ of ₹23.32. GuruFocus considers UY Fincorp to be Modestly Undervalued.

Key valuation signals for NSE:UYFINCORP:

  • Moat Score: 0
  • GF Value™: ₹23.32 vs. price of ₹19.76 (15.3% below fair value)
  • GF Score™: 71/100 with 4 warning signs

No single metric tells the full story. See the NSE:UYFINCORP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

UY Fincorp Business Description

Other Exchanges 530579:India
Address Marol Makwana Road, Vaman Techno Centre, A-Wing, 7th Floor, Off Andheri-Kurla Road, Andheri (East), Mumbai, MH, IND, 400059
UY Fincorp Ltd is an Indian-based non-banking financial company engaged in Lending & Investing Services. It is into providing inter-corporate loans, personal loans, and investments & trading in securities. The company also offers fund-based services which include real estate funding, industrial assets funding, infrastructure funding, bill discounting, retail finance etc; and fee-based services such as loan syndication and project counseling services.
71GF Score

Get the complete analysis for NSE:UYFINCORP

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹19.76
Price
₹23.32
GF Value