United Credit Ltd
Incorporated in 1991, United Credit Ltd is in the business of financing and renting activities[1]
- Market Cap ₹ 14.5 Cr.
- Current Price ₹ 27.2
- High / Low ₹ 39.2 / 16.0
- Stock P/E
- Book Value ₹ 38.8
- Dividend Yield 0.00 %
- ROCE -7.08 %
- ROE -7.40 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
- Stock is trading at 0.70 times its book value
Cons
- Company has low interest coverage ratio.
- Working capital days have increased from 660 days to 1,098 days
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Operating Profit |
OPM % |
Interest |
Depreciation |
Profit before tax |
Tax % |
EPS in Rs |
Raw PDF |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2007 | Mar 2008 | Mar 2009 | |
---|---|---|---|
2.64 | 5.01 | 1.20 | |
2.37 | 3.37 | 2.80 | |
Operating Profit | 0.27 | 1.64 | -1.60 |
OPM % | 10.23% | 32.73% | -133.33% |
0.35 | 0.14 | 0.16 | |
Interest | 0.00 | 0.10 | 0.09 |
Depreciation | 0.16 | 0.16 | 0.15 |
Profit before tax | 0.46 | 1.52 | -1.68 |
Tax % | 36.96% | 12.50% | -2.98% |
0.29 | 1.33 | -1.63 | |
EPS in Rs | -3.02 | ||
Dividend Payout % | 135.52% | 44.32% | 0.00% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
TTM: | -76% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
TTM: | -214% |
Stock Price CAGR | |
---|---|
10 Years: | 5% |
5 Years: | 12% |
3 Years: | 33% |
1 Year: | 70% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
Last Year: | -7% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2007 | Mar 2008 | Mar 2009 | |
---|---|---|---|
Equity Capital | 6.55 | 6.55 | 6.55 |
Reserves | 15.04 | 15.75 | 14.14 |
0.38 | 0.18 | 1.14 | |
3.38 | 3.19 | 2.38 | |
Total Liabilities | 25.35 | 25.67 | 24.21 |
0.69 | 1.30 | 1.21 | |
CWIP | 0.97 | 0.00 | 0.00 |
Investments | 10.61 | 14.61 | 15.68 |
13.08 | 9.76 | 7.32 | |
Total Assets | 25.35 | 25.67 | 24.21 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2007 | Mar 2008 | Mar 2009 | |
---|---|---|---|
1.97 | -1.46 | -1.38 | |
0.45 | -0.35 | -1.29 | |
1.26 | -0.30 | 0.31 | |
Net Cash Flow | 3.68 | -2.11 | -2.36 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2007 | Mar 2008 | Mar 2009 | |
---|---|---|---|
Debtor Days | 22.12 | 6.56 | 9.12 |
Inventory Days | 3,577.00 | ||
Days Payable | 146.00 | ||
Cash Conversion Cycle | 22.12 | 6.56 | 3,440.12 |
Working Capital Days | 666.40 | 214.92 | 1,098.04 |
ROCE % | 7.51% | -7.08% |
Documents
Announcements
-
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
5 Oct - Certificate under Regulation 74(5) for Q2 2024.
- Shareholder Meeting / Postal Ballot-Scrutinizer''s Report 26 Sep
- Closure of Trading Window 26 Sep
-
RECONSTITUTED THE FOLLOWING COMMITTEES OF THE BOARD
25 Sep - Reconstitution of board committees following directorate change.
-
Announcement under Regulation 30 (LODR)-Cessation
25 Sep - Completion of tenure of Independent Directors Mr. Choubey and Mr. Mishra.
Annual reports
-
Financial Year 2024
from bse
-
Financial Year 2023
from bse
-
Financial Year 2022
from bse
-
Financial Year 2021
from bse
-
Financial Year 2020
from bse
-
Financial Year 2019
from bse
-
Financial Year 2018
from bse
-
Financial Year 2017
from bse
-
Financial Year 2016
from bse
-
Financial Year 2015
from bse
-
Financial Year 2014
from bse
-
Financial Year 2013
from bse
-
Financial Year 2012
from bse
-
Financial Year 2011
from bse
-
Financial Year 2010
from bse
Business Overview:[1][2]
Company is registered as a Non Systematically Important Non Deposit Taking Non Banking Financial Company and earns its revenue from interest on loan and rent. At present, company is facing difficulty in carrying on its traditional business, mainly in recovering the fund disbursed, combating competition from other big players in the market, etc. Therefore it has started exploring opportunities in segments like real estates, loan syndication and entertainment in a limited manner. Management expects that expansion of range of activities will help Company in increasing its profits in coming years