United Credit Limited (BOM:531091)

United Credit Statistics

Total Valuation

United Credit has a market cap or net worth of INR 154.40 million.

Market Cap	154.40M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Monday, February 9, 2026.

Earnings Date	Feb 9, 2026
Ex-Dividend Date	n/a

Share Statistics

United Credit has 5.33 million shares outstanding. The number of shares has decreased by -0.15% in one year.

Current Share Class	5.33M
Shares Outstanding	5.33M
Shares Change (YoY)	-0.15%
Shares Change (QoQ)	+0.95%
Owned by Insiders (%)	22.02%
Owned by Institutions (%)	n/a
Float	920,767

Valuation Ratios

The trailing PE ratio is 19.32.

PE Ratio	19.32
Forward PE	n/a
PS Ratio	4.46
PB Ratio	0.51
P/TBV Ratio	0.51
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	0.01
Debt / EBITDA	n/a
Debt / FCF	-0.41
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 2.67% and return on invested capital (ROIC) is 2.56%.

Return on Equity (ROE)	2.67%
Return on Assets (ROA)	2.60%
Return on Invested Capital (ROIC)	2.56%
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	4.94M
Profits Per Employee	1.15M
Employee Count	7
Asset Turnover	0.11
Inventory Turnover	n/a

Taxes

In the past 12 months, United Credit has paid 2.18 million in taxes.

Income Tax	2.18M
Effective Tax Rate	21.37%

Stock Price Statistics

The stock price has decreased by -8.13% in the last 52 weeks. The beta is 0.11, so United Credit's price volatility has been lower than the market average.

Beta (5Y)	0.11
52-Week Price Change	-8.13%
50-Day Moving Average	30.35
200-Day Moving Average	31.24
Relative Strength Index (RSI)	47.18
Average Volume (20 Days)	1,060

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, United Credit had revenue of INR 34.60 million and earned 8.02 million in profits. Earnings per share was 1.50.

Revenue	34.60M
Gross Profit	34.40M
Operating Income	9.91M
Pretax Income	10.20M
Net Income	8.02M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.50

Balance Sheet

The company has 5.01 million in cash and 3.41 million in debt, with a net cash position of 1.60 million or 0.30 per share.

Cash & Cash Equivalents	5.01M
Total Debt	3.41M
Net Cash	1.60M
Net Cash Per Share	0.30
Equity (Book Value)	304.60M
Book Value Per Share	56.73
Working Capital	204.36M

Cash Flow

In the last 12 months, operating cash flow was -4.20 million and capital expenditures -4.11 million, giving a free cash flow of -8.31 million.

Operating Cash Flow	-4.20M
Capital Expenditures	-4.11M
Free Cash Flow	-8.31M
FCF Per Share	-1.56

Margins

Gross margin is 99.42%, with operating and profit margins of 28.65% and 23.17%.

Gross Margin	99.42%
Operating Margin	28.65%
Pretax Margin	29.47%
Profit Margin	23.17%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

United Credit does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	0.15%
Shareholder Yield	0.15%
Earnings Yield	5.19%
FCF Yield	-5.38%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2