United Credit logo

United Credit

UNITEDCREDITLTD NSE

Key Fundamentals

MicrocapNBFCFinancial Services
Market Cap
₹11.90 Cr
Volatility
Moderate
P/E Ratio
14.9
EBITDA
₹1.20 Cr
Return on Equity
2.78%
Debt to Equity
0.01
Book Value
₹57.6
EPS
₹3.15
52W High
₹37.83
52W Low
₹19

Tapetide Score

Data-driven rating, 0–100. How it works →

Key Insights

Strengths

2
  • Company is almost debt free.
  • Stock is trading at 0.41 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.

Growth Rate

Revenue Growth
-13.51% lower than 3Y
Net Income Growth
-10% lower than 3Y
Cash Flow Change
40.91% higher than 3Y
ROE
-17.75% lower than 3Y
ROCE
-18.39% higher than 3Y
EBITDA Margin (Avg.)
4.13% higher than 3Y

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 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 in Rs
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
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
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 in Rs
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%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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Shareholding Pattern

DIIs0.01%Promot.57.31%Govt.0.53%Others19.16%Public23.00%As ofJun 2026

Documents

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.[1]
Where is United Credit Ltd (531091) listed?
United Credit Ltd trades as UNITEDCREDITLTD on the NSE and 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 market capitalisation of United Credit Ltd?
United Credit Ltd has a market capitalisation of ₹11.9 Cr, which places it in the Small Cap band.
What is the PE ratio of United Credit Ltd?
United Credit Ltd trades at a PE ratio of 14.90, on earnings per share of ₹3.15, 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.
What is the Return on Equity (ROE) of United Credit Ltd?
United Credit Ltd reported a return on equity of 2.78%. Its debt-to-equity ratio is 0.01.

Company Information

Incorporated in 1991, United Credit Ltd is in the business of Financing and Renting.[1]

Website unitedcreditltd.com
Listed 1999-09-23
Face Value ₹ 10

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