United Credit
Financial Services
531091 BSE
₹20.90
Close ·
- P/E
- 13.93
Close 4 Nov 2026 ₹20.90 −10.43 −33.3% 1Y
Start ₹31.33
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures at the close · EPS basis: Standalone · TTM
- Debt to Equity
- 0.01
- EPS (TTM)
- ₹1.50
- Book Value
- ₹57.60
- Market Cap
- —
- P/E (TTM)
- 13.93
- P/B
- 0.36
- ROE
- 2.79%
- Dividend Yield
- 0.00%
- 52W High
- ₹37.83
- 52W Low
- ₹19.00
- ROCE
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
- EBITDA
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Tapetide Score
Data-driven rating, 0–100, as of . How it works →
Overall score
50 Average
Data confidence 82/100
Category scores
- Quality
- 53
- Average
- Returns, margins, earnings quality 24% weight
- Valuation
- 58
- Good
- Cheap vs sector & own history 26% weight
- Growth
- 42
- Weak
- Sales & profit trajectory 10% weight
- Momentum
- 23
- Poor
- Trend strength, vol-adjusted 13% weight
- Ownership
- 50
- Average
- FII/DII/promoter flows 26% weight
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
Key Insights
Strengths
2- Company is almost debt free.
- Stock is trading at 0.36 times its book value
Weaknesses
3- Though the company is reporting repeated profits, it is not paying out dividend
- The company has delivered a poor sales growth of 3.32% over past five years.
- Company has a low return on equity of 3.95% over last 3 years.
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Bearish | 9 | 7 | 3 |
| Oscillators | Neutral | 1 | 7 | 1 |
| Moving Averages | Strong Bearish | 8 | 0 | 2 |
Oscillators
Neutral
Bearish
1
Neutral
7
Bullish
1
Overall
Bearish
Bearish
9
Neutral
7
Bullish
3
Moving Averages
Strong Bearish
Bearish
8
Neutral
0
Bullish
2
Key readings
- RSI (14)
- 47.59
- Neutral
- MACD (12,26,9)
- −0.72
- Bearish
- SMA (50)
- 22.55
- Bearish
- SMA (200)
- 26.08
- Bearish
As of
Growth Rate
From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.
Revenue
| 10Y | +6.07% |
|---|---|
| 5Y | +3.32% |
| 3Y | +2.99% |
| 1Y | −14.25% |
| TTM | −5.42% |
Net profit
| 10Y | +30.51% |
|---|---|
| 5Y | −0.23% |
| 3Y | +6.10% |
| 1Y | −14.85% |
| TTM | −20.00% |
Operating cash flow
Not meaningful
A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.
Revenue by year
| Mar 2017 | ₹2.09 Cr |
|---|---|
| Mar 2018 | ₹2.47 Cr |
| Mar 2019 | ₹2.64 Cr |
| Mar 2020 | ₹2.89 Cr |
| Mar 2021 | ₹2.71 Cr |
| Mar 2022 | ₹2.76 Cr |
| Mar 2023 | ₹2.92 Cr |
| Mar 2024 | ₹3.58 Cr |
| Mar 2025 | ₹3.72 Cr |
| Mar 2026 | ₹3.19 Cr |
Net profit by year
| Mar 2017 | ₹0.78 Cr |
|---|---|
| Mar 2018 | ₹0.66 Cr |
| Mar 2019 | ₹2.09 Cr |
| Mar 2020 | ₹0.90 Cr |
| Mar 2021 | ₹0.87 Cr |
| Mar 2022 | ₹0.75 Cr |
| Mar 2023 | ₹0.72 Cr |
| Mar 2024 | ₹1.64 Cr |
| Mar 2025 | ₹1.01 Cr |
| Mar 2026 | ₹0.86 Cr |
Quarterly Results
₹ Cr| Particulars | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0.77 | 0.82 | 0.84 | 0.96 | 0.87 | 0.88 | 0.89 | 0.81 | 0.74 | 0.76 | 0.77 | 0.83 | 0.78 |
| Expenses | 0.5 | 0.48 | 0.53 | 0.47 | 0.6 | 0.5 | 0.52 | 0.77 | 0.46 | 0.46 | 0.54 | 0.52 | 0.54 |
| Financing Profit | 0.27 | 0.34 | 0.31 | 0.49 | 0.27 | 0.38 | 0.37 | 0.04 | 0.28 | 0.3 | 0.22 | 0.3 | 0.23 |
| Fin. Margin % | 35.06% | 41.46% | 36.9% | 51.04% | 31.03% | 43.18% | 41.57% | 4.94% | 37.84% | 39.47% | 28.57% | 36.14% | 29.49% |
| Other Income | 0.04 | 0.04 | 0.62 | 0.03 | 0.12 | 0.15 | 0.06 | −0.02 | 0.06 | 0.02 | 0.02 | 0.02 | 0.05 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01 | 0.01 | 0.01 |
| Depreciation | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.02 | 0.03 | 0.02 | 0.03 | 0.04 | 0.04 | 0.03 |
| PBT | 0.29 | 0.36 | 0.91 | 0.5 | 0.38 | 0.52 | 0.41 | −0.01 | 0.32 | 0.29 | 0.2 | 0.28 | 0.25 |
| Tax % | 24.14% | 19.44% | 23.08% | 18% | 31.58% | 17.31% | 34.15% | −600% | 21.88% | 24.14% | 20% | 17.86% | 20% |
| Net Profit | 0.22 | 0.29 | 0.7 | 0.42 | 0.26 | 0.43 | 0.27 | 0.05 | 0.25 | 0.23 | 0.16 | 0.22 | 0.19 |
| EPS (₹) | 0.41 | 0.54 | 1.31 | 0.79 | 0.49 | 0.81 | 0.51 | 0.09 | 0.47 | 0.43 | 0.3 | 0.41 | 0.36 |
Profit & Loss
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.95 | 1.77 | 2.09 | 2.47 | 2.64 | 2.89 | 2.71 | 2.76 | 2.92 | 3.58 | 3.72 | 3.19 | 3.14 |
| Expenses | 1.1 | 2.2 | 1.36 | 1.38 | 4.28 | 1.74 | 1.56 | 1.56 | 1.99 | 1.96 | 2.36 | 1.99 | 2.06 |
| Financing Profit | 0.85 | −0.45 | 0.71 | 1.07 | −1.64 | 1.15 | 1.15 | 1.2 | 0.92 | 1.61 | 1.35 | 1.18 | 1.05 |
| Fin. Margin % | 43.59% | −25.42% | 33.97% | 43.32% | −62.12% | 39.79% | 42.44% | 43.48% | 31.51% | 44.97% | 36.29% | 36.99% | 33.44% |
| Other Income | 0.03 | 0.81 | 0.03 | 0.06 | 5.28 | 0.07 | 0.07 | 0.1 | 0 | 0.53 | 0.02 | 0.04 | 0.11 |
| Interest | 0 | 0.02 | 0.02 | 0.02 | 0 | 0 | 0 | 0 | 0.01 | 0.01 | 0.01 | 0.02 | 0.03 |
| Depreciation | 0.06 | 0.09 | 0.08 | 0.06 | 0.04 | 0.03 | 0.03 | 0.02 | 0.06 | 0.07 | 0.07 | 0.13 | 0.14 |
| PBT | 0.82 | 0.27 | 0.66 | 1.07 | 3.6 | 1.19 | 1.19 | 1.28 | 0.86 | 2.07 | 1.3 | 1.09 | 1.02 |
| Tax % | 36.59% | 77.78% | −18.18% | 38.32% | 41.67% | 23.53% | 26.89% | 40.62% | 17.44% | 21.26% | 22.31% | 21.1% | — |
| Net Profit | 0.52 | 0.06 | 0.78 | 0.66 | 2.09 | 0.9 | 0.87 | 0.75 | 0.72 | 1.64 | 1.01 | 0.86 | 0.8 |
| EPS (₹) | 0.98 | 0.11 | 1.46 | 1.24 | 3.92 | 1.69 | 1.63 | 1.41 | 1.35 | 3.08 | 1.9 | 1.61 | 1.5 |
| Div. Payout % | 0% | 0% | 0% | 0% | 18.39% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity 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 | 15.46 | 15.52 | 16.3 | 16.96 | 19.04 | 19.49 | 20.37 | 21.14 | 21.85 | 23.49 | 24.49 | 25.36 |
| Borrowing | 0.13 | 0.17 | 0.1 | 0.02 | 0 | 0 | 0 | 0 | 0.13 | 0.08 | 0.15 | 0.28 |
| Other Liabilities | 1.83 | 1.78 | 2.16 | 2.05 | 1.79 | 1.85 | 0.97 | 0.93 | 1.23 | 0.81 | 0.48 | 0.43 |
| Total Liabilities | 22.91 | 22.96 | 24.05 | 24.52 | 26.32 | 26.83 | 26.83 | 27.56 | 28.7 | 29.87 | 30.61 | 31.56 |
| Fixed Assets | 0.21 | 0.24 | 0.18 | 0.14 | 0.1 | 0.09 | 0.06 | 0.05 | 0.22 | 0.18 | 0.29 | 0.43 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0.23 | 0 | 0 | 0 | 0 | 0 | 0 | 0.45 | 0.32 | 0.43 | 0.48 | 0.13 |
| 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 |
| Total Assets | 22.91 | 22.96 | 24.05 | 24.52 | 26.32 | 26.83 | 26.83 | 27.56 | 28.7 | 29.87 | 30.61 | 31.56 |
Cash Flow
₹ Cr| Particulars | 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 | 0.04 | 0.07 | 0.31 | −0.14 | −2.48 | 0.3 | 0.94 | 0.41 | 0.31 | 0.53 | −0.44 | −0.26 |
| Investing | −0.15 | −0.04 | −0.01 | 0.03 | 2.61 | −0.02 | 0 | −0.44 | −0.13 | 0 | 0.04 | 0.17 |
| Financing | 0.11 | 0.04 | −0.08 | −0.08 | −0.02 | −0.45 | −0.87 | 0 | 0.12 | −0.05 | 0.06 | 0.11 |
| Net Cash Flow | 0 | 0.08 | 0.22 | −0.19 | 0.12 | −0.16 | 0.06 | −0.03 | 0.3 | 0.47 | −0.34 | 0.02 |
| Free Cash Flow | −0.11 | −0.05 | 0.29 | −0.16 | −2.48 | 0.28 | 0.94 | 0.4 | 0.09 | 0.5 | −0.59 | −0.52 |
| CFO/OP | 14 | −26 | 52 | −12 | 145 | 26 | 84 | 53 | 46 | 33 | −12 | −6 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 2.51% | 0.29% | 3.64% | 2.98% | 8.9% | 3.64% | 3.42% | 2.86% | 2.67% | 5.82% | 3.36% | 2.79% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view United Credit insights
47 extracted metrics across FY11–FY27.
Documents
- 10 Aug 2026
- 14 Feb 2026
- General announcements 7 Oct 2026
Frequently Asked Questions about United Credit
What does United Credit Ltd do?
Incorporated in 1991, United Credit Ltd is in the business of Financing and Renting.
Where is United Credit Ltd (UNITDCR) listed?
United Credit Ltd trades under code 531091 on the BSE.
Which sector does United Credit Ltd belong to?
United Credit Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the PE ratio of United Credit Ltd?
United Credit Ltd trades at a PE ratio of 13.93 as of 4 Nov 2026, on earnings per share of ₹1.5, against a book value of ₹57.6 per share.
What is the 52-week high and low of United Credit Ltd?
Over the last 52 weeks United Credit Ltd has traded between ₹19 and ₹37.83 as of 4 Nov 2026.
What is the Return on Equity (ROE) of United Credit Ltd?
United Credit Ltd reported a return on equity of 2.79%. Its debt-to-equity ratio is 0.01.
Company Information
Incorporated in 1991, United Credit Ltd is in the business of Financing and Renting.
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