United Credit Ltd

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United Credit Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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United Credit Ltd

₹ 22.4 9.22%
16 Oct - close price
unitedcreditltd.com BSE: 531091
About

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

Key Points

Business Overview:[1][2][3]
UCL is registered as the non-systematically important non deposit taking non-banking financial company. It earns its revenue from interest on loan and rent. The principal business of the company is hire-purchase, leasing, and consumer financing, real estate investments, equity trading, and capital market operations.
The company has already started exploring possibilities in other areas like syndication corporate banking real estate and hotel
industries so that the range of activities
are expanded.

Website BSE
  • Market Cap ₹ 11.9 Cr.
  • Current Price ₹ 22.4
  • High / Low ₹ 37.8 / 19.0
  • Stock P/E
  • Book Value ₹ 38.8
  • Dividend Yield 0.00 %
  • ROCE -7.08 %
  • ROE -7.40 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company is almost debt free.
  • Stock is trading at 0.58 times its book value

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 0.11% over last 3 years.
  • 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2007 Mar 2008 Mar 2009
2.64 5.01 1.20
Interest 0.00 0.10 0.09
2.37 3.37 2.80
Financing Profit 0.27 1.54 -1.69
Financing Margin % 10.23% 30.74% -140.83%
0.35 0.14 0.16
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: 2%
5 Years: 11%
3 Years: 10%
1 Year: -32%
Return on Equity
10 Years: %
5 Years: %
3 Years: 0%
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
Borrowing 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
Free Cash Flow 0.82 -2.25 -1.46

Ratios

Consolidated / View Standalone

Mar 2007 Mar 2008 Mar 2009
ROE % 1.25% 6.33% -7.40%

Insights

In beta
Mar 2020 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross Loan Portfolio
Rs. Lakhs ・Standalone data

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Gross Non-Performing Assets
Rs. Lakhs ・Standalone data
Investment Portfolio (Net)
Rs. Lakhs ・Standalone data
Number of Permanent Employees
count ・Standalone data
Revenue Share: Financing Activity
% ・Standalone data
Revenue Share: Renting Activity
% ・Standalone data
Number of Shareholders
count ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
57.31% 57.31% 57.31% 57.31% 57.31% 57.31% 57.31% 57.31% 57.31% 57.31% 57.31% 57.31%
0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53%
42.15% 42.16% 42.16% 42.15% 42.16% 42.15% 42.15% 42.15% 42.16% 42.16% 42.16% 42.15%
No. of Shareholders 2,3722,4602,6262,5162,6082,6572,6382,6252,6042,5812,5922,570

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports