1. India Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
United Credit Ltd

United Credit Ltd

BBSE:UNITDCR
20.00
INR
-2.00
(-9.09%)
1.50EPS
18.56P/E
148.43MMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
3.55
3.65
3.32
3.92
4.62
-0.03
5.35
5.01
5.09
5.37
6.28
6.79
5.87
5.77
Basic EPS, GAAP
0.67
0.98
0.11
1.46
1.24
3.93
1.68
1.64
1.42
1.36
3.07
1.9
1.61
1.5
Free Cash Flow per Basic Share
1.75
-0.23
-0.1
0.55
-0.3
-4.66
0.53
1.75
0.76
0.17
0.94
-1.17
-1
- -
Dividend per Share
0.35
- -
- -
- -
- -
- -
0.7
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
38.37
39.33
39.45
40.9
42.15
46.05
46.9
48.55
49.99
51.32
54.4
56.27
57.91
- -
Tangible Book Value per Share
38.37
39.33
39.45
40.9
42.15
46.05
46.9
48.55
49.99
51.32
54.4
56.27
57.91
- -
Basic Weighted Avg Shares
5
5
5
5
5
5
5
5
5
5
5
5
5
5
Sales/Revenue/Turnover
19
19
18
21
25
- -
29
27
27
29
33
36
31
31
Operating Margin (%)
43.65
41.17
16.5
30.23
41.52
9,665.47
39.65
42.6
48.58
32.81
47.17
41.67
34.19
28.05
Depreciation Expense
- -
1
1
1
1
- -
- -
- -
- -
1
1
1
1
1
Net Income, GAAP
6
5
1
8
7
21
9
9
8
7
16
10
9
8
Effective Tax Rate (%)
31.61
36.26
78.3
- -
38.48
41.76
24.39
27.03
41.04
16.46
21.24
22.09
21.27
21.02
Profit Margin (%)
30.39
26.81
3.39
37.22
26.88
-12,425.74
31.39
32.76
27.79
25.32
48.9
28.03
27.42
25.99
Working Capital
74
81
85
93
222
256
261
259
262
270
285
291
303
- -
LT Debt
- -
1
1
- -
- -
- -
- -
- -
- -
1
1
1
3
- -
Total Equity
204
210
210
218
225
245
250
259
266
273
290
300
309
- -
Return on Invested Capital (%)
2.73
2.51
0.28
- -
2.83
8.8
3.45
3.26
2.96
2.89
4.39
3.47
2.82
- -
Return on Capital (%)
2.79
2.51
0.3
- -
3
8.9
3.61
3.44
2.87
2.68
5.79
3.43
2.8
- -
Return on Common Equity (%)
1.69
2.52
0.29
3.63
2.99
8.91
3.61
3.44
2.87
2.68
5.81
3.44
2.82
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
3
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
154
104
148

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
304
- -
Cash, Cash Equivalents & STI
- -
6
- -
Accounts Receivable, Net
- -
6
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
2
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.94%
3.6%
2.92%
Free Cash Flow
81.6%
15.51%
-13.95%
Net Income, GAAP
139.38%
10.94%
-15.5%
Sales/Revenue/Turnover
-1,707.87%
3.72%
-13.61%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
9
9
9
8
36
2026
7
7
8
8
31
2027
8
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.49
0.81
0.51
0.09
1.9
2026
0.47
0.43
0.3
0.41
1.61
2027
0.36
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Ashok Kumar Dabriwala
Full Time Employees
7
Sector
Finance
Industry
Finance/Rental/Leasing
Address
27B Camac Street Kolkata WB India 700016
IPO Date
Jun 30, 1995
Website
unitedcreditltd.com
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Business
United Credit Limited (UNITDCR.BO), a non-banking financial company registered with the Reserve Bank of India, engages in hire purchase, leasing, consumer financing, investment activities, and capital market operations; it operates through two primary segments, Financing Activity and Renting Activity. The company provides financial services including interest on loans and rental income, with diversification efforts into real estate investments, loan syndication, and entertainment sectors to address challenges in traditional lending such as recovery issues and competition. Founded in 1970 as the successor to United Bank of India Ltd. following nationalization and headquartered at 27B Camac Street, 8th Floor, Kolkata, West Bengal, India, it changed its name from United India Credit and Development Company Limited in January 1981. Geographically, it focuses on the Indian market, targeting consumer and commercial clients in a competitive NBFC landscape. Recent financial performance reflects ongoing revenue pressures, with net sales declining 14.94% to Rs 0.74 crore in the quarter ended June 2025 and net profit down 3.85% to Rs 0.25 crore year-over-year, alongside a full-year net profit drop of 38.41% to Rs 1.01 crore for the year ended March 2025 amid modest sales growth of 1.18%; the company scheduled a board meeting for November 12, 2025, to consider key matters, indicating continued operational oversight without reported major acquisitions, partnerships, or strategic expansions in the past 1-2 years.