United Credit Ltd (UNITDCR)

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United Credit Ltd (UNITDCR) · mywealthgrid

About

United Credit Ltd operates in Non Banking Financial Company (NBFC) within the Financials sector.

Face value: ₹10

Market cap

₹12 Cr

P/E

5.3×

P/B

0.4×

Dividend yield

ROE

3.4%

ROCE

—

Debt / equity

0.01

OPM

29.4%

EPS (TTM)

₹4.0

Book value

₹54.6

52-week high

—

52-week low

—

1,725 historical price candles were omitted because the exchange source has not been verified.

₹22.0+4.7%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 29.4%
+Almost debt-free (debt/equity 0)
+Comfortable interest coverage of 132×

Cons

−Low return on equity of 4% (3-yr avg)
−Profit declined 14.6% a year over the last 5 years
−Modest revenue growth of 6.2% a year over the last 5 years

Research score

Structured signal from quality, growth, valuation and momentum.

75/100

Business quality: 70
Growth: 56
Valuation

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Shriram Finance LimitedSHRIRAMFINSHRIRAMFIN	₹1,77,811 Cr	₹4,28,503 Cr	₹49,997 Cr	₹36,981 Cr	73.7%	₹11,318 Cr	20.8%	—	16.4%	—
Tata Capital LimitedTATACAPTATACAP	₹1,35,540 Cr	₹3,71,517 Cr	₹32,695 Cr	₹24,219 Cr	73.2%	₹5,404 Cr	15.5%	—	13.3%	—
Cholamandalam Investment And Finance Company LimitedCHOLAFINCHOLAFIN	₹1,33,352 Cr	₹3,45,452 Cr	₹32,663 Cr	₹22,399 Cr	68.2%	₹5,751 Cr	16.8%	—	19.3%	—
Muthoot Finance LimitedMUTHOOTFINMUTHOOTFIN	₹1,08,289 Cr	₹2,60,075 Cr	₹33,431 Cr	₹27,558 Cr	81.4%	₹11,373 Cr	34%	—	30.9%	—
L&T Finance LimitedLTFLTF	₹66,238 Cr	₹1,76,126 Cr	₹18,928 Cr	₹11,603 Cr	61.1%	₹3,226 Cr	16.7%	—	11.2%	—
Sbi Cards And Payment Services LimitedSBICARDSBICARD	₹53,594 Cr	₹97,658 Cr	₹20,063 Cr	₹5,374 Cr	26.7%	₹2,275 Cr	10.9%	—	14.7%	—
Hdb Financial Services LimitedHDBFSHDBFS	₹51,335 Cr	₹1,38,733 Cr	₹16,300 Cr	₹9,318 Cr	57.2%	₹2,176 Cr	13.4%	—	14.7%	—
Sundaram Finance LimitedSUNDARMFINSUNDARMFIN	₹48,838 Cr	₹1,18,475 Cr	₹10,104 Cr	₹7,957 Cr	78.3%	₹2,220 Cr	21%	—	14.7%	—
Piramal Finance LimitedPIRAMALFINPIRAMALFIN	₹45,868 Cr	₹1,25,857 Cr	₹11,852 Cr	₹7,051 Cr	59.5%	₹1,504 Cr	12.7%	—	5.3%	—
Authum Investment & Infrastructure LimitedAIILAIIL	₹45,797 Cr	₹49,133 Cr	₹2,863 Cr	₹2,451 Cr	88.2%	₹3,582 Cr	74%	—	13.1%	—
Mahindra & Mahindra Financial Services LimitedM&MFINM&MFIN	₹44,445 Cr	₹1,72,816 Cr	₹21,733 Cr	₹13,785 Cr	62.5%	₹3,253 Cr	13.6%	—	11.9%	—
Poonawalla Fincorp LimitedPOONAWALLAPOONAWALLA	₹38,161 Cr	₹86,259 Cr	₹7,813 Cr	₹4,291 Cr	52.7%	₹787 Cr	8%	—	5.9%	—

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Standalone figures · ₹ crore · years without a filed annual are summed from quarters

₹ Cr	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	2	2	2	3	3	3	3	3	3
Interest	0	0	0	—	0	0	0	0	0
Expenses	2	1	1	4	2	2	2	2	2
Financing profit	-0	1	1	—	1	1	1	1	1
Financing margin %	-25.4%	33%	41.9%	—	42.8%	41.9%	31%	42.4%	29.1%
Other income	1	0	0	5	0	0	0	1	0
Depreciation	0	—	—	—	0	0	0	0	—
Profit before tax	0	1	1	4	1	1	1	2	1
Tax	0	-0	0	2	0	1	0	0	0
Tax %	75%	-18.2%	38%	41.2%	26.7%	40.6%	16.1%	21.2%	22.3%
PAT	0	1	1	2	1	1	1	2	1
EPS (₹)	0.1	—	1.2	4.2	1.6	1.4	1.4	3.1	1.9
EPS adjusted (₹)	—	—	—	—	1.6	1.4	1.3	3	1.8
	0%	—	0%	16.8%	0%	0%	0%	0%	0%
Annual report	Annual report for Mar 2016	Annual report for Mar 2017	Annual report for Mar 2018	Annual report for Mar 2019	Annual report for Mar 2021	Annual report for Mar 2022	Annual report for Mar 2023	Annual report for Mar 2024	Annual report for Mar 2025

₹ Cr	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity capital	5	5	5	5	5
Reserves	20	21	22	23	24
Minority interest	0	—	—	0	—
	0	0	0	0	0
	1	1	1	1	0
Total equity & liabilities	27	28	29	30	31
	0	0	0	0	0
CWIP	—	0	0	0	—
Investments	0	0	0	0	0
	27	27	28	29	30
Total assets	27	28	29	30	31

₹ Cr	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	1	0	0	1	-0
	0	-0	-0	0	0
	-1	0	0	-0	0
Net cash flow	0	-0	0	0	-0
Free cash flow	1	0	0	1	-1
CFO / Operating profit %	81%	38.1%	34.1%	36.6%	-43.6%

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Ratios

Annual operating, return, leverage and working-capital ratios.

Standalone figures

Ratio	Mar 2017	Mar 2018	Mar 2019	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Margins
Gross margin %	—	—	—	—	—	—	—	—
EBITDA margin %	34%	41.9%	-58.4%	42.8%	41.9%	31.4%	42.7%	29.4%
EBIT margin %	34%	41.9%	-58.4%	41.7%	41.1%	29.3%	40.6%	29.4%
PAT margin %	37.3%	27.4%	87.1%	32.1%	27.8%	24.8%	48.2%	29.4%
Working capital
Receivable days	—	—	—	46	61	42	34	6
Inventory days	—	—	—	0	0	0	0	—
Payable days	—	—	—	—	—	—	—	—
NWC days	—	—	—	—	—	—	—	—
Leverage
Current ratio	—	—	—	—	—	—	—	—
Debt to EBITDA	—	—	—	0	0	0.14	0.06	0.15
Debt to equity	—	—	—	0	0	0	0	0.01
Interest coverage	37.5	111	—	—	—	88	209	132
Asset turnover	—	—	—	0.1	0.1	0.1	0.11	0.11
Return ratios
Return on assets %	—	—	—	3.2%	2.7%	2.5%	5.5%	3.3%
Return on capital employed %	—	—	—	—	—	—	—	—
Return on equity %	—	—	—	3.4%	2.8%	2.6%	5.7%	3.4%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Day counts average the opening and closing balance; receivables turn on revenue, inventory and payables on cost of goods sold.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	57.85%	57.31%	57.31%	57.31%	57.31%	57.31%	57.31%	57.31%	57.31%	57.31%	57.31%	57.31%
FII	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	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%	0%	0%	0%	0%	0%	0%	0%	0.53%	0.53%	0.53%	0.53%
	42.14%	42.68%	42.68%	42.68%	42.68%	42.68%	42.68%	42.68%	42.15%	42.15%	42.15%	42.15%
No. of shareholders	—	—	—	—	—	—	—	—	2,625	2,604	2,581	2,592

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F&O

Current futures and options contracts with compact option-chain pages.

Not in the F&O segment

Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

No fund holdings on record

No scheme among the 32 fund houses on record reported a position in United Credit Ltd. Portfolios are published monthly by each AMC; coverage is still partial.

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

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Events

Upcoming dates and the company’s corporate-action history.

4

Dividend dividend19 Sept 2019 · ex-date₹0.7
Dividend dividend14 Jul 2011 · ex-date₹0.75
Dividend dividend15 Jul 2010 · ex-date₹1
Dividend dividend20 Aug 2008 · ex-date₹0.9

1

Board meeting to consider results10 Aug 2026

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

16 announcementsExport CSV

28 Sept 2026, 5:58 pmAGM/EGM

Shareholder Meeting / Postal Ballot-Scrutinizer''s Report

AGM PDF

28 Sept 2026, 2:15 pmInsider Trading / SAST

Closure of Trading Window

Closure of Trading Window PDF

28 Sept 2026, 12:46 pmAGM/EGM

Shareholder Meeting / Postal Ballot-Outcome of AGM

AGM PDF

5 Sept 2026, 10:38 amOthers

Reg. 34 (1) Annual Report.

Reg. 34 (1) Annual Report PDF

4 Sept 2026, 1:05 pmCompany Update

Announcement under Regulation 30 (LODR)-Newspaper Publication

Newspaper Publication PDF

3 Sept 2026, 1:00 pmAGM/EGM

Submission Of Notice Of The 55Th AGM Of United Credit Limited Along With The Annual Report For The Financial Year Ended March 31, 2026

AGM PDF

18 Aug 2026, 11:45 amCompany Update

Announcement under Regulation 30 (LODR)-Newspaper Publication

Newspaper Publication PDF

11 Aug 2026, 12:06 pmCompany Update

Announcement under Regulation 30 (LODR)-Newspaper Publication

Newspaper Publication PDF

Date	Category	Subject	Filing
28 Sept 2026, 5:58 pm	AGM/EGM AGM	Shareholder Meeting / Postal Ballot-Scrutinizer''s Report	PDF
28 Sept 2026, 2:15 pm	Insider Trading / SAST Closure of Trading Window	Closure of Trading Window

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United Credit Ltd

About

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Ratios

Shareholding

F&O

Not in the F&O segment

Fund holders

No fund holdings on record

Documents

Announcements

Events

4

1

Announcements

4

1

Not in the F&O segment

No fund holdings on record

Announcements

Annual reports

Compounded sales growth

Compounded profit growth

Return on equity

United Credit Ltd

About

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Ratios

Ratio timeline

Shareholding

Quarterly record

F&O

Not in the F&O segment

Fund holders

No fund holdings on record

Documents

Announcements

Events

Dividends4

Board meetings1

Announcements

Dividends4

Board meetings1

Ratio timeline

Not in the F&O segment

No fund holdings on record

Announcements

Quarterly record

Annual reports

Board and management

Profit & loss

Balance sheet

Cash flow

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

4

1

4

1