531091-BOM

United Credit Ltd.

BSE: 531091

Sector: Financial Services

Industry Group: Finance

Industry: Non Banking Financial Company (NBFC)

27.95+0.0 (+0.00%)

17 Jul, 12:00 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

Score not available

Value Score

Score not available

Price Momentum Score

Score not available

QVM Score

Score not available

Key Metrics

Market Cap

14.89

P/E (TTM)

17.38

P/B

0.48

P/S (TTM)

4.79

EV/EBITDA

11.67

CAPE (5Y)

14.93

ROE (TTM)

2.82

ROCE (TTM)

3.20

ROA (TTM)

2.76

Avg 3Y ROE

4.02

Earnings 3Y CAGR

5.81

Sales 3Y CAGR

2.38

Sales 5Y CAGR

2.75

Debt/Equity

0.01

Consensus TP

Strong Buy %

Promoter Holding

57.31

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of United Credit Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Stock is cheap and PB is at a discount to industry median

PB of 0.48 indicates that the stock is cheap on a standalone basis. Discount to industry median P/B is decent at -57.52%

What is P/B Ratio?

Median: 1.13

Value 0.48

059.26

High and improving operating margin

The company reported strong operating margin of 31.57% for 12-month ended 31 Mar 2026 and operating margin improved by 180 bps from 1 year ago

What is Operating profit margin?

Low Debt to Equity, not much change from last year

The company has low Debt to Equity of 0.01 as on 31 Mar 2026 and Debt to Equity increased marginally by 0.01 in the last 1 year

What is Debt to Equity?

Negative

Low but stable ROE

The company reported low ROE of 2.82% for 12-month ended 31 Mar 2026 and ROE declined marginally by -62 bps from 1 year ago

What is ROE (FY)?

Low revenue growth and lower than median growth of industry

The company delivered moderate revenue growth of -16.02% for 12-month ended 31 Mar 2026 and the growth was 26.96 percentage points lower than median growth of industry

What is Sales growth (1Y)?

Median: 10.94

Value -16.02

-519.5340214.8

Low EPS growth and lower than median growth of industry

The company delivered moderate EPS growth of -15.4% for 12-month ended 31 Mar 2026 and the growth was 15.4 percentage points lower than median growth of industry

What is EPS growth (1Y)?

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral

Not enough talking points with neutral stance

Financial Snapshot

See detailed analysis

Multi-year trends for United Credit Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

United Credit Ltd. Shareholding Pattern

Quarterly breakdown of United Credit Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total Promoter	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.31	57.31	57.31	57.31	57.31	57.31	57.31	57.31	57.31	57.31	57.31
Indian Promoter	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.31	57.31	57.31	57.31	57.31	57.31	57.31	57.31	57.31	57.31	57.31
Foreign Promoter	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54	0.54
Mutual Funds / UTI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FI/Bank/Insurance	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Govt	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53
FII	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Institutions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Non-Institution	41.62	41.62	41.62	41.62	41.62	41.62	41.62	41.62	41.62	41.62	41.62	41.62	41.62	41.62	41.62	42.16	42.16	42.16	42.16	42.16	42.16	42.16	42.16	42.16	42.16	42.16
Bodies Corporate	18.01	18.05	18.00	17.90	18.16	18.14	18.14	18.13	-	-	15.47	15.47	15.41	15.37	15.35	15.34	15.35	15.29	15.27	15.49	15.49	15.25	15.49	15.25	15.25	15.25
Others (incl. Retail) No. of shareholders	23.61 2,089	23.57 2,114	23.62 2,148	23.72 2,134	23.46 2,137	23.48 2,270	23.48 2,216	23.49 2,221	41.62 2,243	41.62 2,231	26.15 2,162	26.15 2,164	26.21 2,187	26.25 2,206	26.27 2,242	26.82 2,335	26.81 2,423	26.87 2,590	26.89 2,480	26.67 2,572	26.67 2,621	26.91 2,603	26.67 2,587	26.91 2,568	26.91 2,545	26.91 2,556

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in United Credit Ltd. shares as reported to NSE and BSE.

No bulk, block or insider trade data available.

Corporate Actions

History of United Credit Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 0.70/share
Record date: 20th Sep 2019Ex-date: 19th Sep 2019
Announced on: 30th May 2019
Dividend₹ 0.75/share
Record date: 15th Jul 2011Ex-date: 14th Jul 2011
Announced on: 20th May 2011
Dividend₹ 1/share
Record date: 16th Jul 2010Ex-date: 15th Jul 2010
Announced on: 29th May 2010
Dividend₹ 0.90/share
Record date: 27th Aug 2008Ex-date: 20th Aug 2008
Announced on: 23rd Jun 2008
Dividend₹ 0.60/share
Record date: 19th Jun 2007Ex-date: 15th Jun 2007
Announced on: 23rd Apr 2007

Company Profile

Overview of United Credit Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

United Credit Limited is an India-based company, which is principally engaged in non-banking financial activities. The Company is engaged in the business of financing/investment and in trading shares and securities. It is mainly divided operationally into the lease, hire-purchase, consumer financing...

Key personnel

Ms. Deepali Gupta

Company Secretary

Mr. Ashok Kumar DabriwalaD

Executive Chairman of the Board, Managing Director

Rashmi Vijaykaran DabriwalD

Additional Director

Devashish DabriwalD

Non-Executive Director

Mr. Pramod Kumar DheliaD

Independent Director

Mrs. Rashmi BihaniD

Additional Non-Executive Independent Director

Mrs. Suresh Kumar KandoiD

Non-Executive Independent Director

Incorporated on

28 Jul 1970

Last Annual

31 Mar 2026

Last Interim

31 Mar 2026

No. of Employees

IPO date

30 Jun 1995

Free Float

9,06,686

Website

https://www.unitedcreditltd.com/

Phone no.

+913322879359

Address

27B Camac Street (8th Floor), KOLKATA, 700016, India

Frequently Asked Questions

What is the current share price of United Credit Ltd.?

The current share price of United Credit Ltd. is ₹ 27.95 as of 17 Jul 2026.

What is the market capitalisation of United Credit Ltd.?

The market capitalisation of United Credit Ltd. stands at ₹ 14.89 Cr.

What is the PE ratio of United Credit Ltd.?

The Price-to-Earnings (PE) ratio of United Credit Ltd. is 17.38 as of the latest trailing twelve months data.

What is the ROE and ROCE of United Credit Ltd.?

United Credit Ltd. has a Return on Equity (ROE) of 2.82% and a Return on Capital Employed (ROCE) of 3.20% as per the latest financial reports.

What is the 52-week high and low of United Credit Ltd.?

The 52-week high of United Credit Ltd. is - and the 52-week low is -.

What is the dividend yield of United Credit Ltd.?

The dividend yield of United Credit Ltd. is 0.00% based on the current market price.

What is the FII and DII holding in United Credit Ltd.?

Foreign Institutional Investors (FII) hold 0.00%, Domestic Institutional Investors (DII) hold 0.01% and retail/public investors hold 26.91% of United Credit Ltd. shares.

What sector does United Credit Ltd. belong to?

United Credit Ltd. operates in the Financial Services sector.

What is the beta of United Credit Ltd.?

The beta of United Credit Ltd. is 0.59, indicating its price volatility relative to the broader market.

What is the RSI of United Credit Ltd.?

The 14-day Relative Strength Index (RSI) of United Credit Ltd. is 51.29, placing it in the neutral zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

United Credit Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

United Credit Ltd. Shareholding Pattern

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Company Profile

Corporate Actions