United Credit
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United Credit share price

United Credit Ltd.

BSE: 531091 SECTOR: Finance - NBFC  4987   6   0

37.95
+3.81 (11.16%)
BSE: 21 Feb 04:01 PM

Price Summary

Today's High

₹ 38

Today's Low

₹ 34

52 Week High

₹ 40.46

52 Week Low

₹ 18.1

FinStar is Suspended!

FinStar can not be assigned to this company due to its dicey outlook and insufficient data. We will update the FinStar for this company as soon as the data is updated from its end.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 20.22 Cr.

Advances

₹ 0 Cr.

No. of Shares

0.53 Cr.

P/E

14.66

P/B

0.68

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  55.9

Operating Revenue

₹ 3.4 Cr.

Net Profit

₹ 1.64 Cr.

Promoter Holding

57.31 %

EPS (TTM)

₹  2.59

Sales Growth

17.29

ROE

5.84 %

ROCE

7.38%

Profit Growth

125.85 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year17.29%
3 Year7.78%
5 Year5.26%

Profit Growth

1 Year125.85%
3 Year23.24%
5 Year-4.81%

ROE%

1 Year5.84%
3 Year3.81%
5 Year3.71%

ROCE %

1 Year7.38%
3 Year5.16%
5 Year5%

ROA%

5.6078

PEG Ratio

0.12

PAT Margin (%)

48.1682

EPS Growth(%)

125.8468

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2024 57.31 0.00
Sep 2024 57.31 0.00
Jun 2024 57.31 0.00
Mar 2024 57.31 0.00
Dec 2023 57.31 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 23.1526559585492%.
  • Company has maintained a good ROA of 3.6392974827186% in last 3 years.
  • The company is trading at 0.3658 times the book value
  • Promoters shareholding is 57.31%.

 Limitations

  • Company has a poor Return on Equity (ROE) track record of 3.81080872235734%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Operating Revenue 0.84 0.96 0.87 0.88 0.89
Other Income 0.62 0.03 0.12 0.15 0.06
Interest Expended 0 0 0 0 0
Operating Expenses 0.52 0.46 0.6 0.5 0.51
Total Provisions 0 0 0 0 0
Depreciation 0.02 0.02 0.01 0.01 0.02
Profit Before Tax 0.91 0.51 0.38 0.51 0.41
Tax 0.21 0.09 0.12 0.08 0.14
Net Profit 0.71 0.42 0.26 0.43 0.27
Adjusted EPS (RS) 1.28 0.76 0.48 0.78 0.49

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 2.89 2.71 2.7 2.9 3.4
Other Income 0.07 0.07 0.17 0.03 0.71
Interest 0 0 0 0.01 0.01
Operating Expenses 1.45 1.22 1.23 1.62 1.59
Total Provisions 0.33 0.36 0.36 0.43 0.43
Exceptional Items 0 0 0 0 0
Profit Before Tax 1.18 1.2 1.28 0.87 2.08
Tax 0.29 0.32 0.52 0.14 0.44
Profit After Tax 0.9 0.87 0.75 0.72 1.64
Adjusted EPS (Rs.) 1.68 1.64 1.42 1.36 3.07

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 5.49 5.49 5.49 5.49 5.49
Total Reserves 19.49 20.37 21.14 21.85 23.49
Borrowings 0 0 0 0.13 0.08
Other N/C liabilities 0.91 0.91 0.83 0.37 0.57
Current liabilities 1.18 0.4 0.41 0.65 0.21
Total Liabilities 27.08 27.17 27.87 28.49 29.85
Assets
Loans 0 0 0 0 0
Net Block 0.09 0.06 0.05 0.22 0.18
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 0 0 0.45 0.32 0.43
Other Loans 1.96 1.95 1.85 1.57 1.6
Other N/C Assets 9.03 8.85 8.61 8.39 8.15
Current Assets 16 16.31 16.9 17.99 19.49
Total Assets 27.08 27.17 27.87 28.49 29.85
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2023% Mar 2024% Jun 2024% Sep 2024% Dec 2024%
promoters 57.31 57.31 57.31 57.31 57.31
ashok kumar dabriwala 13.86 13.86 13.86 13.86 13.86
dabriwala banijya udyog l... 43.16 43.16 43.16 43.16 43.16
sunanda dabriwala 0.29 0.29 0.29 0.29 0.29
PARTICULARS Dec 2023% Mar 2024% Jun 2024% Sep 2024% Dec 2024%
investors 42.69 42.69 42.69 42.69 42.69
farooq arbi halai 1.96 2.07 - 2.25 2.25
investor education and pr... 3.08 3.08 - 3.08 3.08
kalpana jalan 2.90 - - - 2.29
united nanotech products ... 13.93 - 13.93 13.93 13.93
llp 0.31 0.31 0.31 0.30 -
pramila jalan - 2.29 2.29 2.29 -
far00q arbi halai - - 2.10 - -
investor education and pr... - - 3.08 - -
laxmipat dudheria 1.06 1.06 - - -
unted nanotech products l... - 13.93 - - -

Annual Reports

Ratings & Research Reports

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Company Presentations

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Company News

United Credit - Quaterly Results 11 Feb, 12:41 PM United Credit - Quaterly Results 11 Feb, 12:41 PM United Credit - Quaterly Results 11 Feb, 12:41 PM United Credit - Quaterly Results 11 Nov, 12:45 PM United Credit - Quaterly Results 11 Nov, 12:45 PM United Credit - Quaterly Results 11 Nov, 12:45 PM United Credit informs about board meeting 4 Nov, 3:46 PM United Credit informs about board meeting 4 Nov, 3:46 PM United Credit informs about compliances certificate 18 Sep, 4:56 PM United Credit informs about compliances-certificate 17 Aug, 2:21 PM United Credit - Quaterly Results 13 Aug, 1:07 PM United Credit - Quaterly Results 13 Aug, 1:07 PM United Credit - Quaterly Results 13 Aug, 1:07 PM United Credit informs about trading window closure 27 Jun, 5:23 PM United Credit informs about press release 13 Feb, 2:04 PM United Credit - Quaterly Results 12 Feb, 1:46 PM United Credit - Quaterly Results 12 Feb, 1:46 PM United Credit - Quaterly Results 12 Feb, 1:46 PM United Credit informs about closure of trading window 27 Dec, 12:05 PM United Credit informs about annual report 30 Aug, 3:01 PM United Credit informs about Annual Report, AGM 30 Aug, 2:16 PM United Credit - Quaterly Results 11 Aug, 2:13 PM United Credit informs about loss of share certificate 15 Jun, 2:36 PM United Credit informs about disclosure 5 Apr, 4:17 PM United Credit informs about closure of trading window 30 Mar, 12:14 PM United Credit - Quaterly Results 16 Feb, 10:12 AM United Credit - Quaterly Results 16 Feb, 10:12 AM United Credit - Quaterly Results 16 Feb, 10:12 AM United Credit informs about clarification 16 Jan, 4:37 PM United Credit - Quaterly Results 11 Nov, 1:33 PM United Credit informs about newspaper publication 22 Aug, 4:27 PM United Credit informs about compliance certificate 2 Jun, 4:51 PM United Credit - Quaterly Results 27 May, 3:24 PM United Credit informs about compliances certificate 11 May, 4:31 PM United Credit informs about trading window closure 29 Mar, 5:15 PM United Credit - Quaterly Results 11 Feb, 1:59 PM United Credit informs about disclosure 15 May, 5:37 PM United Credit informs about board meeting 16 Oct, 5:11 PM United Credit informs about board meeting 16 Oct, 12:50 PM

United Credit Stock Price Analysis and Quick Research Report. Is United Credit an attractive stock to invest in?

Around 2% of India's total population invests in financial assets. The mutual fund industry's penetration in India is close to 7% (Based on the number of PAN cardholders). This under penetration offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

United Credit stock price today is Rs 37.95. To understand the functions of the United Credit better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of United Credit is Rs 1.6356 Cr and the compounded growth of profit in the past 3 years is 23.2392867146571 %. The PAT margin of United Credit is 48.1682 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In United Credit , the EPS grew by 125.8442 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): United Credit has a poor ROE track record. The ROE of United Credit is at 5.8415 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of United Credit is worth at the current levels at Rs 37.95. The stock is trading at a current P/E ratio of 6.4464 and the average historical P/E for the last 5 years was 8.35324523749567.

  • P/B ratio can be one of the best metrics to value such companies. Currently, United Credit is trading at a P/B of 0.6107 . The average historical P/B of United Credit for the last 5 years was 0.292749558555621. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of United Credit is Rs 37.95. One can use valuation calculators of ticker to know if United Credit share price is undervalued or overvalued.

Last Updated on:
Brief about United Credit
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