United Credit Limited (BOM:531091)

India · Delayed Price · Currency is INR

23.50

+1.10 (4.91%)

At close: Sep 11, 2026

United Credit Financials Overview

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Revenue & Profits

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Revenue	31.19	31.75	36.99	40.93	29.14	27.6
Revenue Growth	-5.43%	-14.19%	-9.61%	40.47%	5.57%	1.78%
Operating Income	10.14	10.43	12.42	20.76	8.65	12.77
Net Income	8.01	8.57	10.14	16.36	7.24	7.54
Earnings Per Share	1.50	1.61	1.90	3.07	1.36	1.42
EPS Growth	-20.22%	-15.37%	-38.11%	125.85%	-3.96%	-13.70%

Revenue by Segment

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Financing Activity	25.61	25.27	23.74	22.58	20.27	19.43
Renting Activity	5.35	5.79	10.62	11.38	8.68	7.53
Total	31.43	31.07	34.36	33.96	28.95	26.96

Cash & Debt

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Cash & Investments	5.8	6.97	10.27	13.15	7.3	5.62
Total Debt	2.81	2.81	1.49	0.81	1.26	-
Net Cash (Debt)	2.99	4.16	8.78	12.35	6.04	5.62
Net Cash Growth	-26.53%	-52.65%	-28.87%	104.52%	7.44%	286.25%
Net Cash Per Share	0.56	0.78	1.65	2.32	1.13	1.05

Cash Flow & CapEx

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Cash Flow	-	-2.56	-4.39	5.3	3.13	4.14
Capital Expenditures	-	-2.8	-1.84	-0.32	-2.23	-0.07
Free Cash Flow	-	-5.35	-6.22	4.98	0.91	4.07
Free Cash Flow Growth	-	-	-	450.50%	-77.75%	-56.38%

Margins

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Margin	32.49%	32.87%	33.57%	50.72%	29.69%	46.26%
Pretax Margin	32.49%	34.28%	35.05%	50.74%	29.75%	46.34%
Profit Margin	25.66%	26.99%	27.41%	39.96%	24.86%	27.32%
FCF Margin	-	-16.87%	-16.82%	12.17%	3.11%	14.74%

Valuation

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 12, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
PE Ratio	15.67	12.10	16.32	6.45	9.62	9.43
P/FCF Ratio	-	-	-	21.16	76.94	17.49
PS Ratio	4.01	3.26	4.47	2.58	2.39	2.58