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    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
United Credit Ltd
BSE:UNITDCR
(Bombay Stock Exchange)

Recent

price

20.00

P/E

ratio

18.56

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
4.03
3.93
4.2
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
Revenue per Share
1.6
1.34
-5.94
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
Basic EPS, GAAP
-1.61
0.74
0.34
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
- -
Free Cash Flow per Basic Share
1.39
1
0.25
0.35
- -
- -
- -
- -
- -
0.7
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
45.56
46.61
40.67
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
- -
Book Value per Share
45.56
46.61
40.67
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
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
Basic Weighted Avg Shares
21
21
22
19
19
18
21
25
- -
29
27
27
29
33
36
31
31
Sales/Revenue/Turnover
59.77
56.85
-215.1
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
Operating Margin (%)
1
1
- -
- -
1
1
1
1
- -
- -
- -
- -
1
1
1
1
1
Depreciation Expense
10
7
-32
6
5
1
8
7
21
9
9
8
7
16
10
9
8
Net Income, GAAP
21.22
39.72
- -
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
Effective Tax Rate (%)
47
34.15
-141.5
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
Profit Margin (%)
-3
174
85
74
81
85
93
222
256
261
259
262
270
285
291
303
- -
Working Capital
- -
- -
- -
- -
1
1
- -
- -
- -
- -
- -
- -
1
1
1
3
- -
LT Debt
243
248
217
204
210
210
218
225
245
250
259
266
273
290
300
309
- -
Total Equity
4.18
2.91
- -
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 Invested Capital (%)
4.19
2.92
- -
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 Capital (%)
3.55
2.91
-13.62
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
- -
Return on Common Equity (%)

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
- -
- -
- -
- -
- -
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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.