Price
Financials
Standalone, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & fee income | 0.82 | 0.84 | 0.96 | 0.87 | 0.88 | 0.89 | 0.81 | 0.74 | 0.76 | 0.77 | 0.83 | 0.78 |
| Interest paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
| Operating costs & provisions | 0.48 | 0.53 | 0.47 | 0.60 | 0.50 | 0.52 | 0.77 | 0.46 | 0.46 | 0.54 | 0.52 | 0.54 |
| Core operating profit | 0.34 | 0.31 | 0.49 | 0.27 | 0.38 | 0.37 | 0.04 | 0.28 | 0.30 | 0.22 | 0.30 | 0.23 |
| Core operating margin % | 41.46% | 36.90% | 51.04% | 31.03% | 43.18% | 41.57% | 4.94% | 37.84% | 39.47% | 28.57% | 36.14% | 29.49% |
| Depreciation & amortisation | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.02 | 0.03 | 0.02 | 0.03 | 0.04 | 0.04 | 0.03 |
| Non-operating income | 0.04 | 0.62 | 0.03 | 0.12 | 0.15 | 0.06 | -0.02 | 0.06 | 0.02 | 0.02 | 0.02 | 0.05 |
| Pre-tax profit | 0.36 | 0.91 | 0.50 | 0.38 | 0.52 | 0.41 | -0.01 | 0.32 | 0.29 | 0.20 | 0.28 | 0.25 |
| Effective tax rate % | 19.44% | 23.08% | 18.00% | 31.58% | 17.31% | 34.15% | -600.00% | 21.88% | 24.14% | 20.00% | 17.86% | 20.00% |
| Profit after tax | 0.29 | 0.70 | 0.42 | 0.26 | 0.43 | 0.27 | 0.05 | 0.25 | 0.23 | 0.16 | 0.22 | 0.19 |
| Earnings per share (Rs) | 0.54 | 1.31 | 0.79 | 0.49 | 0.81 | 0.51 | 0.09 | 0.47 | 0.43 | 0.30 | 0.41 | 0.36 |
| Gross bad loans % | ||||||||||||
| Net bad loans % |
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & fee income | 1.77 | 2.09 | 2.47 | 2.64 | 2.89 | 2.71 | 2.76 | 2.92 | 3.58 | 3.72 | 3.19 | 3.14 |
| Interest paid | 0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.02 | 0.03 |
| Operating costs & provisions | 2.20 | 1.36 | 1.38 | 4.28 | 1.74 | 1.56 | 1.56 | 1.99 | 1.96 | 2.36 | 1.99 | 2.06 |
| Core operating profit | -0.45 | 0.71 | 1.07 | -1.64 | 1.15 | 1.15 | 1.20 | 0.92 | 1.61 | 1.35 | 1.18 | 1.05 |
| Core operating margin % | -25.42% | 33.97% | 43.32% | -62.12% | 39.79% | 42.44% | 43.48% | 31.51% | 44.97% | 36.29% | 36.99% | 33.44% |
| Depreciation & amortisation | 0.09 | 0.08 | 0.06 | 0.04 | 0.03 | 0.03 | 0.02 | 0.06 | 0.07 | 0.07 | 0.13 | 0.14 |
| Non-operating income | 0.81 | 0.03 | 0.06 | 5.28 | 0.07 | 0.07 | 0.10 | 0.00 | 0.53 | 0.02 | 0.04 | 0.11 |
| Pre-tax profit | 0.27 | 0.66 | 1.07 | 3.60 | 1.19 | 1.19 | 1.28 | 0.86 | 2.07 | 1.30 | 1.09 | 1.02 |
| Effective tax rate % | 77.78% | -18.18% | 38.32% | 41.67% | 23.53% | 26.89% | 40.62% | 17.44% | 21.26% | 22.31% | 21.10% | |
| Profit after tax | 0.06 | 0.78 | 0.66 | 2.09 | 0.90 | 0.87 | 0.75 | 0.72 | 1.64 | 1.01 | 0.86 | 0.80 |
| Earnings per share (Rs) | 0.11 | 1.46 | 1.24 | 3.92 | 1.69 | 1.63 | 1.41 | 1.35 | 3.08 | 1.90 | 1.61 | 1.50 |
| Paid out as dividend % | 0.00% | 0.00% | 0.00% | 18.39% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Revenue CAGR | 6% | 3% | 3% | -5% | ||
| Profit CAGR | 30% | 0% | 6% | -20% | ||
| Share price CAGR | 2% | 10% | 11% | -31% | ||
| Average return on equity | 4% | 4% | 4% | 3% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net block (property, plant) | 0.21 | 0.24 | 0.18 | 0.14 | 0.10 | 0.09 | 0.06 | 0.05 | 0.22 | 0.18 | 0.29 | 0.43 |
| Capital work in progress | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.23 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.45 | 0.32 | 0.43 | 0.48 | 0.13 |
| Current & other assets | 22.47 | 22.72 | 23.87 | 24.38 | 26.22 | 26.74 | 26.77 | 27.06 | 28.16 | 29.26 | 29.84 | 31.00 |
| Total assets | 22.91 | 22.96 | 24.05 | 24.52 | 26.32 | 26.83 | 26.83 | 27.56 | 28.70 | 29.87 | 30.61 | 31.56 |
| Share capital | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 | 5.49 |
| Reserves & surplus | 15.46 | 15.52 | 16.30 | 16.96 | 19.04 | 19.49 | 20.37 | 21.14 | 21.85 | 23.49 | 24.49 | 25.36 |
| Total debt | 0.13 | 0.17 | 0.10 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.13 | 0.08 | 0.15 | 0.28 |
| Other liabilities & provisions | 1.83 | 1.78 | 2.16 | 2.05 | 1.79 | 1.85 | 0.97 | 0.93 | 1.23 | 0.81 | 0.48 | 0.43 |
| Equity + liabilities | 22.91 | 22.96 | 24.05 | 24.52 | 26.32 | 26.83 | 26.83 | 27.56 | 28.70 | 29.87 | 30.61 | 31.56 |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 0.04 | 0.07 | 0.31 | -0.14 | -2.48 | 0.30 | 0.94 | 0.41 | 0.31 | 0.53 | -0.44 | -0.26 |
| Investing cash flow | -0.15 | -0.04 | -0.01 | 0.03 | 2.61 | -0.02 | 0.00 | -0.44 | -0.13 | 0.00 | 0.04 | 0.17 |
| Free cash flow (after capex) | -0.11 | -0.05 | 0.29 | -0.16 | -2.48 | 0.28 | 0.94 | 0.40 | 0.09 | 0.50 | -0.59 | -0.52 |
| Financing cash flow | 0.11 | 0.04 | -0.08 | -0.08 | -0.02 | -0.45 | -0.87 | 0.00 | 0.12 | -0.05 | 0.06 | 0.11 |
| Net change in cash | 0.00 | 0.08 | 0.22 | -0.19 | 0.12 | -0.16 | 0.06 | -0.03 | 0.30 | 0.47 | -0.34 | 0.02 |
| Cash conversion (OCF / EBITDA) % | 14% | -26% | 52% | -12% | 145% | 26% | 84% | 53% | 46% | 33% | -12% | -6% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on equity % | 2.51% | 0.29% | 3.64% | 2.98% | 8.90% | 3.64% | 3.42% | 2.86% | 2.67% | 5.82% | 3.36% | 2.79% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter group % | 57.85% | 57.31% | 57.31% | 57.31% | 57.31% | 57.31% | 57.31% | 57.31% | 57.31% | 57.31% | 57.31% | 57.31% |
| Domestic institutions % | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
| Government % | 0.53% | 0.53% | 0.53% | 0.53% | 0.53% | 0.53% | 0.53% | 0.53% | 0.53% | 0.53% | 0.53% | 0.53% |
| Retail & others % | 41.62% | 42.15% | 42.16% | 42.16% | 42.15% | 42.16% | 42.15% | 42.15% | 42.15% | 42.16% | 42.16% | 42.16% |
| Shareholder count | 2,281 | 2,372 | 2,460 | 2,626 | 2,516 | 2,608 | 2,657 | 2,638 | 2,625 | 2,604 | 2,581 | 2,592 |
Fundamentals
Market value₹ 11.7 Cr.
Last price₹ 22.0
P/E (trailing)14.7
Book value / share₹ 57.9
Return on capital3.59 %
Return on equity2.79 %
Dividend yield0.00 %
Face value₹ 10.0
Revenue CAGR (TTM)-5%
Profit CAGR (TTM)-20%
Standalone figures.
Valuation
Market capRs 12 Cr
Enterprise valueRs 12 Cr
P/E (TTM)15.56x
Price to book0.40x
Price to sales3.96x
EV / EBITDA10.29x
EV / EBIT11.68x
EV / sales3.87x
Earnings yield6.43%
P/E, 3-year average12.34x
P/B, 3-year average0.44x
P/E, 5-year average11.47x
P/B, 5-year average0.38x
Profitability
Operating margin (excl. other income)37.62%
Operating margin (incl. other income)38.87%
EBITDA margin37.58%
Pre-tax margin32.48%
Net profit margin25.48%
Net margin, latest quarter24.36%
ROE2.83%
ROCE3.62%
ROA2.77%
ROE, 3-year average4.03%
ROCE, 3-year average5.14%
ROA, 3-year average3.90%
ROE, 5-year average3.52%
ROCE, 5-year average4.70%
ROA, 5-year average3.40%
ROIC (approx.)2.69%
Tax rate21.10%
Other income / net worth0.13%
Growth
Sales growth (latest year)-14.25%
Profit growth (latest year)-14.85%
Sales CAGR, 3 years2.99%
Sales CAGR, 5 years3.32%
Profit CAGR, 3 years6.10%
Profit CAGR, 5 years-0.23%
Sales growth QoQ-6.02%
Profit growth QoQ-13.64%
Sales growth YoY (latest quarter)5.41%
Profit growth YoY (latest quarter)-24.00%
Per share
EPS (TTM)Rs 1.41
EPS (latest year)Rs 1.52
EPS (latest quarter)Rs 0.34
EPS, 3-year averageRs 2.07
EPS, 5-year averageRs 1.76
Book value per shareRs 54.52
Sales per shareRs 5.55
Cash flow per shareRs -0.46
Efficiency
Asset turnover0.10x
Fixed asset turnover7.42x
Debtor days7 days
Debtors turnover53.17x
Leverage
Total debtRs 0 Cr
Cash and bankRs 1 Cr
Net debtRs -0 Cr
Debt to equity0.01x
Net debt / EBITDA-0.25x
Interest coverage52.00x
Owners' fund to total sources97.75%
Debt to assets0.89%
Cash flow
Operating cash flow (latest year)Rs -0 Cr
Investing cash flow (latest year)Rs 0 Cr
Financing cash flow (latest year)Rs 0 Cr
Net change in cash (latest year)Rs 0 Cr
Statement figures
Net sales (TTM)Rs 3 Cr
Net sales (latest year)Rs 3 Cr
Sales (latest quarter)Rs 1 Cr
Operating profit excl. other income (latest year)Rs 1 Cr
Operating profit (latest quarter)Rs 0 Cr
Other income (TTM)Rs 0 Cr
EBITDA (TTM)Rs 1 Cr
PBDT (TTM)Rs 1 Cr
Profit before tax (TTM)Rs 1 Cr
Tax (latest year)Rs 0 Cr
Net profit (TTM)Rs 1 Cr
Net profit (latest year)Rs 1 Cr
Net profit (latest quarter)Rs 0 Cr
Depreciation (TTM)Rs 0 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 0 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 2 Cr
Total income (latest year)Rs 3 Cr
Share capitalRs 5 Cr
ReservesRs 25 Cr
Shareholders' fundsRs 31 Cr
Total assetsRs 32 Cr
Net blockRs 0 Cr
InvestmentsRs 0 Cr
ReceivablesRs 0 Cr
Other liabilitiesRs 0 Cr
Shares outstanding (crore)0.57
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 15.6 is at the 70th percentile of its own 9.4-year range
(median 11.9, low 3.3, high 22.2).
P/B 0.40 is at the 45th percentile (median 0.41).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | 531091 | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | -2.2% | -2.8% | +0.6 pts |
| 1 month | -10.5% | -6.8% | -3.7 pts |
| 3 months | -21.4% | -7.6% | -13.8 pts |
| 3 years | +37.2% | +14.2% | +23.1 pts |
| 5 years | +63.0% | +27.9% | +35.1 pts |
Red flags
F-score 3 of 8| explain | Weak cash conversion Cash from operations was -5% of net profit over the last 3 years |
| explain | Debt up, profit down Borrowings up 87% while net profit fell in 2026 |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹1 Cr +5.4% vs Jun 2025.
Net profit ₹0 Cr -24.0%.
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Finance Ltd | 606,283 | 29.6 | 10.9 % |
| Shriram Finance Ltd | 228,598 | 20.2 | 11.5 % |
| Tata Capital Ltd | 140,654 | 25.9 | 8.58 % |
| Cholamandalam Investment & Finance Company Ltd | 139,031 | 24.2 | 9.71 % |
| Muthoot Finance Ltd | 109,874 | 9.66 | 15.8 % |
| L&T Finance Ltd | 67,935 | 21.2 | 8.40 % |
| SBI Cards & Payment Services Ltd | 55,290 | 24.3 | 10.1 % |
| HDB Financial Services Ltd | 52,415 | 19.0 | 9.09 % |
| Sundaram Finance Ltd | 48,161 | 21.2 | 9.44 % |
| Authum Investment & Infrastructure Ltd | 46,011 | 22.0 | 13.6 % |
| Mahindra & Mahindra Financial Services Ltd | 45,035 | 13.5 | 8.72 % |
| Poonawalla Fincorp Ltd | 39,011 | 49.6 | 7.51 % |
| Manappuram Finance Ltd | 29,725 | 20.5 | 8.25 % |
| IIFL Finance Ltd | 25,929 | 12.3 | 10.9 % |
| Capri Global Capital Ltd | 23,756 | 21.1 | 11.7 % |
No bulk or block deals on record.
No corporate actions on record.
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Quick answers
What is the market cap of United Credit Ltd?
United Credit Ltd (531091) has a market capitalisation of Rs 11.7 Cr. at the 2026-10-01 close.
What is the P/E ratio of United Credit Ltd?
United Credit Ltd trades at a P/E of 14.7 on trailing twelve-month profit, at the 2026-10-01 close.
What were United Credit Ltd's latest quarterly results?
In the Jun 2026 quarter, United Credit Ltd revenue was Rs 1 Cr (+5.4% vs Jun 2025) and net profit was Rs 0 Cr.