statements

United Credit Ltd.

BSE: 531091

Sector: Financial Services

Industry Group: Finance

Industry: Non Banking Financial Company (NBFC)

27.00+1.0 (+3.81%)

28 Jul, 1:29 PM

Overview Analysis Statements

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Income Statement

Abridged

Understanding Income Statement

United Credit Ltd. income statement covering revenue, operating profit, EBITDA, PAT and EPS across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	C 2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	R 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Total Revenue	2.33	2.24	1.89	1.95	1.77	2.09	2.41	0.02	2.89	2.71	2.70	2.90	3.40	3.70	3.11
Cost of Operating Revenue	0.00	0.01	0.02	0.00	0.02	0.02	0.01	0.00	-	-	-	0.01	0.01	0.01	0.02
Total Operating Expenses	1.12	1.12	1.09	1.15	2.07	1.46	1.43	1.67	1.76	1.58	1.53	1.98	2.00	2.41	2.13
Operating Profit	1.21	1.12	0.81	0.80	-0.30	0.62	0.98	-1.65	1.13	1.14	1.16	0.91	1.40	1.29	0.98
Operating Margin	52.0	50.1	42.7	41.1	-17.2	29.8	40.7	-7,428.3	39.0	41.9	43.1	31.4	41.2	34.8	31.6
Profit before Taxes	1.19	-4.82	0.84	0.82	0.28	0.66	1.08	3.59	1.18	1.20	1.28	0.87	2.08	1.30	1.09
Income Taxes	0.47	-1.65	0.27	0.30	0.22	-0.12	0.41	1.50	0.29	0.32	0.52	0.14	0.44	0.29	0.23
Profit after Tax	0.71	-3.17	0.58	0.52	0.06	0.78	0.66	2.09	0.90	0.87	0.75	0.72	1.64	1.01	0.86
PAT Margin	30.6	-141.5	30.4	26.8	3.4	37.2	27.5	9,418.9	30.9	32.2	28.0	25.0	48.2	27.4	27.6
EPS - Basic - ex Extraordinary Items	1.05	-5.94	0.67	0.98	0.11	1.46	1.24	3.93	1.68	1.64	1.42	1.36	3.07	1.90	1.61
EPS - Diluted - ex Extraordinary Items	1.05	-5.94	0.67	0.98	0.11	1.46	1.24	3.93	1.68	1.64	1.42	1.36	3.07	1.90	1.61
EBIT	1.21	1.12	0.81	0.80	-0.30	0.62	0.98	-1.65	1.13	1.14	1.16	0.91	1.40	1.29	0.98
EBITDA	1.26	1.16	0.85	0.86	-0.22	0.70	1.04	-1.61	1.16	1.16	1.18	0.97	1.47	1.36	1.11
EBITDA Margin	54.2	52.0	44.6	44.3	-12.2	33.6	43.1	-7,232.8	40.2	42.9	43.8	33.4	43.2	36.6	35.8

Balance Sheet

Abridged

Understanding Balance Sheet

United Credit Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	R 2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	R 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Property Plant & Equipment - Net	0.18	0.15	0.13	0.21	0.24	0.18	0.14	0.10	0.09	0.06	0.05	0.22	0.18	0.29	0.43
Total Assets	25.87	22.65	22.33	22.91	22.96	24.05	24.51	26.33	26.83	26.82	27.57	28.70	29.87	30.61	31.56
Long Term Debt	0.02	0.00	-	0.09	0.10	0.02	-	-	-	-	-	0.13	0.08	0.15	0.28
Total Liabilities	1.03	0.98	1.88	1.95	1.94	2.26	2.06	1.79	1.85	0.96	0.93	1.36	0.88	0.63	0.70
Total Shareholders' Equity	24.83	21.67	20.44	20.96	21.02	21.79	22.45	24.53	24.98	25.87	26.63	27.34	28.99	29.98	30.86
Total Equity	24.83	21.67	20.44	20.96	21.02	21.79	22.45	24.53	24.98	25.87	26.63	27.34	28.99	29.98	30.86
Total Liabilities & Equity	25.87	22.65	22.33	22.91	22.96	24.05	24.51	26.33	26.83	26.82	27.57	28.70	29.87	30.61	31.56
Total Current Assets	18.23	9.18	8.97	9.63	9.98	10.85	11.67	-	-	-	-	-	-	-	-
Total Current Liabilities	0.84	0.66	1.53	1.50	1.48	1.51	1.34	-	-	-	-	-	-	-	-

Cash Flow

Abridged

Understanding Cash Flow Statement

United Credit Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	0.98	0.97	0.71	0.70	0.42	0.54	0.94	0.94	1.22	1.24	1.06	0.81	1.96	0.98	1.15
Working Capital - Increase/(Decrease)	-0.52	-0.78	0.24	-0.66	-0.34	-0.24	-1.08	-3.42	-0.92	-0.30	-0.63	-0.49	-1.44	-1.42	-1.41
Net CF from Operating Activities	0.46	0.19	0.95	0.04	0.07	0.31	-0.14	-2.48	0.30	0.94	0.43	0.32	0.53	-0.44	-0.26
Capital Expenditures - Net	0.05	0.01	0.02	0.14	0.12	0.01	0.02	-0.01	0.02	0.00	0.01	0.22	0.03	0.16	0.27
Net CF from Investing Activities	-0.05	-0.01	-0.02	-0.14	-0.04	-0.01	0.03	2.61	-0.02	0.00	-0.46	-0.15	-0.01	0.03	0.15
Dividends Paid - Cash - Total	0.53	0.13	0.19	-	-	-	-	-	0.37	-	-	-	-	-	-
Stock - Issuance/(Retirement) - Net	-	-	-	-	-	-	-	0.00	0.00	-	-	-	-	-	-
Debt - LT & ST - Issuance/(Retirement) - Total	0.03	-0.02	-0.71	0.11	0.04	-0.08	-0.08	-0.02	-	-0.87	-	0.13	-0.05	0.07	0.13
Net Cash Flow from Financing Activities	-0.58	-0.17	-0.93	0.11	0.04	-0.08	-0.08	-0.02	-0.45	-0.87	-	0.13	-0.05	0.07	0.13
Free Cash Flow to Equity	0.45	0.16	0.22	0.00	0.00	0.22	-0.24	-2.49	0.28	0.06	0.42	0.23	0.45	-0.53	-0.40
Free Operating CF net dividend	-0.14	0.05	0.74	-0.12	-0.05	0.29	-0.16	-2.48	-0.09	0.93	0.42	0.10	0.49	-0.62	-0.54
Free Operating CF	0.39	0.18	0.93	-0.12	-0.05	0.29	-0.16	-2.48	0.28	0.93	0.42	0.10	0.49	-0.62	-0.54

Business Segment Analysis

United Credit Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

We don't have enough data to show business segment analysis for United Credit Ltd.

Regional Segment Analysis

United Credit Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

We don't have enough data to show regional segment analysis for United Credit Ltd.

Historical Segment Analysis

Track how United Credit Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

We don't have enough data to show segments for United Credit Ltd.

Frequently Asked Questions

What is the revenue of United Credit Ltd.?

The latest trailing twelve month revenue of United Credit Ltd. is ₹ 3.11 Cr, reflecting a 1-year growth of -16.02% and a 3-year CAGR of 2.38%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of United Credit Ltd.?

The latest trailing twelve month net profit (PAT) of United Credit Ltd. is ₹ 0.86 Cr, with a 3-year earnings CAGR of 5.81%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of United Credit Ltd.?

The trailing twelve month EBITDA of United Credit Ltd. is approximately ₹ 0.98 Cr (based on an operating margin of 31.57%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of United Credit Ltd.?

The trailing twelve month Earnings Per Share (EPS) of United Credit Ltd. is 1.61. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of United Credit Ltd.?

The debt-to-equity ratio of United Credit Ltd. stands at 0.01. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of United Credit Ltd.?

The estimated book value per share of United Credit Ltd. is 60.12 (derived from a P/B ratio of 0.45 and market price of ₹ 27.00), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of United Credit Ltd.?

The trailing twelve month operating cash flow of United Credit Ltd. is ₹ -0.26 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does United Credit Ltd. report consolidated or standalone financials?

United Credit Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.