United Credit
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United Credit share price

United Credit Ltd.

BSE: 531091 SECTOR: Finance - NBFC  5.72 K   6   0

29.32
-1.86 (-5.97%)
BSE: 18 Sep 04:01 PM

Price Summary

Today's High

₹ 33.44

Today's Low

₹ 29.25

52 Week High

₹ 43

52 Week Low

₹ 24.25

FinStar is Suspended!

The FinStar rating for this company is currently unavailable due to limited data disclosure. As a micro-cap company, it may carry higher risk and limited transparency. We will update the FinStar rating once more reliable data becomes available.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 15.62 Cr.

Advances

₹ 0 Cr.

No. of Shares

0.53 Cr.

P/E

15.64

P/B

0.52

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  56.43

Operating Revenue

₹ 3.4 Cr.

Net Profit

₹ 1.64 Cr.

Promoter Holding

57.31 %

EPS (TTM)

₹  1.88

Sales Growth

17.29

ROE

5.84 %

ROCE

7.38%

Profit Growth

125.85 %

Add Your Ratio

* 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 %
Jun 2025 57.31 0.00
Mar 2025 57.31 0.00
Dec 2024 57.31 0.00
Sep 2024 57.31 0.00
Jun 2024 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 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Operating Revenue 0.87 0.88 0.89 0.81 0.74
Other Income 0.12 0.15 0.06 -0.03 0.06
Interest Expended 0 0 0 0 0
Operating Expenses 0.6 0.5 0.51 0.76 0.46
Total Provisions 0 0 0 0 0
Depreciation 0.01 0.01 0.02 0.03 0.02
Profit Before Tax 0.38 0.51 0.41 -0.01 0.32
Tax 0.12 0.08 0.14 -0.06 0.07
Net Profit 0.26 0.43 0.27 0.05 0.25
Adjusted EPS (RS) 0.48 0.78 0.49 0.09 0.45

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 Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
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 Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 42.69 42.69 42.69 42.69 42.69
farooq arbi halai - 2.25 2.25 2.50 2.69
investor education and pr... 3.08 - - - 3.08
llp 0.31 0.30 - - 0.24
pramila jalan 2.29 2.29 - 2.29 2.90
united nanotech products ... 13.93 13.93 13.93 13.93 13.93
investor education and pr... - 3.08 3.08 3.08 -
kalpana jalan - - 2.29 - -
far00q arbi halai 2.10 - - - -

Annual Reports

Title Link
Title Link
Annual Report 2022
Annual Report 2021
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

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Concalls & Presentations

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Company News

United Credit submits scrutinizer report and voting results 16 Sep, 5:05 PM United Credit informs about scrutinizers report 16 Sep, 5:02 PM United Credit informs about annual report 22 Aug, 3:11 PM United Credit - Quaterly Results 11 Aug, 1:13 PM United Credit - Quaterly Results 11 Aug, 1:13 PM United Credit - Quaterly Results 11 Aug, 1:13 PM United Credit - Quaterly Results 28 May, 2:57 PM 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?

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse United Credit. 

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 29.32. United Credit 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 0.519617694648399. The average historical P/B 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.

One can find all the Financial Ratios of United Credit in Ticker for free. Also, one can get the intrinsic value of United Credit by using Valuation Calculators, which are available with a Finology ONE subscription. 

United Credit FAQs

Q1. What is United Credit share price today?
Ans: The current share price of United Credit is Rs 29.32.

Q2. What is the market capitalisation of United Credit?
Ans: United Credit has a market capitalisation of Rs 15.621177036 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of United Credit?
Ans: The PE ratio of United Credit is 15.6364993866994 and the P/B ratio of United Credit is 0.519617694648399, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of United Credit share?
Ans: The 52-week high share price of United Credit is Rs 43, and the 52-week low share price of United Credit is Rs 24.25.

Q5. Does United Credit pay dividends?
Ans: Currently, United Credit does not pay dividends. Dividend yield of United Credit is around 0%.

Q6. What are the face value and book value of United Credit shares?
Ans: The face value of United Credit shares is Rs 10, while the book value per share of United Credit is around Rs 56.4261. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of United Credit?
Ans: The ROE of United Credit is 5.8415% and ROCE of United Credit is 7.379%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is United Credit a good buy for the long term?
Ans: The United Credit long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is United Credit undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the United Credit appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check United Credit’s financials?
Ans: You can review United Credit’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
Brief about United Credit
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