United Credit

Market Cap: Micro Cap
Industry: Non Banking Financial Company (NBFC)
ISIN: INE858C01027
NSEID:
BSEID: 531091

INR

31.92

-0.08 (-0.25%)

BSENSE

Dec 05

BSE+NSE Vol: 50

{
  "main_header": {
    "sid": 590873,
    "name": "United Credit",
    "stock_name": "United Credit",
    "full_name": "United Credit Ltd",
    "name_url": "stocks-analysis/united-credit",
    "exchange": 0,
    "exchangecode": "",
    "country_id": 34,
    "currency": "INR",
    "cmp": "31.92",
    "chg": -0.08,
    "chgp": "-0.25%",
    "dir": -1,
    "prev_price": "32.00",
    "mcapval": "17.00 Cr",
    "mcap": "Micro Cap",
    "scripcode": 531091,
    "symbol": "",
    "ind_name": "Non Banking Financial Company (NBFC)",
    "ind_code": 5,
    "indexname": "",
    "isin": "INE858C01027",
    "curr_date": "Dec 05",
    "curr_time": "",
    "bse_nse_vol": "50 ",
    "exc_status": "Active",
    "traded_date": "Dec 05, 2025",
    "traded_date_str": "2025 12 05",
    "score": "",
    "scoreText": "",
    "Live": 1,
    "market_time": 1,
    "is_blur": 1,
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    "is_blur_url": "https://www.marketsmojo.com/mojofeed/register?redirect=/stocks-analysis/united-credit-590873-0&utm_source=Spage_Header_Score",
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  "news": {
    "results": [
      {
        "title": "United Credit’s Market Assessment Reflects Mixed Signals Amidst Flat Financials",
        "link": "https://www.marketsmojo.com/news/stock-recommendation/united-credit-stock-rating-upgraded-to-sell-amid-mixed-technicals-and-flat-financials-3745529",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/12/UnitedCredit_mojoScore_3745529.png",
        "date": "2025-12-04 08:11:46",
        "description": "United Credit, a player in the Non Banking Financial Company (NBFC) sector, has experienced a shift in market evaluation driven by a combination of technical trends, valuation considerations, financial performance, and quality metrics. This article analyses the factors influencing the recent revision in the company’s assessment, providing investors with a comprehensive understanding of its current standing."
      },
      {
        "title": "How has been the historical performance of United Credit?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/how-has-been-the-historical-performance-of-united-credit-3744730",
        "imagepath": "",
        "date": "2025-12-03 22:49:35",
        "description": "    <div class=\"article-news-new\">\n        <div class=\"article-container\">\n\n<div class=\"article-content\">\n\n<p><strong>Revenue and Operating Income Trends</strong></p>\n<p>For the fiscal year ending March 2009, United Credit reported total operating income of ₹1.21 crore, comprising net sales of ₹0.89 crore and other operating income of ₹0.32 crore. This modest revenue base was insufficient to cover the company's operating expenses, which included employee costs of ₹0.52 crore and manufacturing expenses of ₹1.32 crore. Notably, the company did not incur raw material or power costs during this period, but other expenses amounted to ₹0.81 crore. The increase in stocks contributed ₹0.15 crore to the expenditure profile.</p>\n<p>The total expenditure excluding depreciation stood at ₹2.80 crore, more than double the operating income, leading to an operating loss before other income of ₹1.59 crore. After accounting ..."
      },
      {
        "title": "Why is United Credit falling/rising?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/why-is-united-credit-fallingrising-3739586",
        "imagepath": "",
        "date": "2025-12-02 00:42:13",
        "description": "    <div class=\"article-news-new\">\n        <div class=\"article-container\">\n\n<div class=\"article-content\">\n\n<p><strong>Recent Price Movement and Market Comparison</strong></p>\n<p>United Credit's share price has been under pressure over the past week and month, with returns of -1.52% and -4.07% respectively. This contrasts sharply with the Sensex, which gained 0.87% over the week and 2.03% over the month. Year-to-date, the stock remains down by 3.49%, while the Sensex has advanced 9.60%. Over the last year, United Credit has declined by 4.37%, whereas the benchmark index has appreciated by 7.32%. Despite these recent setbacks, the stock has delivered impressive long-term gains, with a three-year return of 199.51% compared to the Sensex's 35.33%, and a five-year return of 220.00% against the Sensex's 91.78%.</p>\n<p><strong>Technical Indicators Signal Weakness</strong></p>\n<p>Technical analysis reveals that Uni..."
      },
      {
        "title": "United Credit’s Market Assessment Reflects Mixed Signals Amidst NBFC Sector Challenges",
        "link": "https://www.marketsmojo.com/news/stock-recommendation/united-credit-downgraded-to-strong-sell-amid-weak-fundamentals-and-bearish-technicals-3732623",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/11/UnitedCredit_mojoScore_3732623.png",
        "date": "2025-11-27 08:09:50",
        "description": "United Credit, a player in the Non Banking Financial Company (NBFC) sector, has experienced a shift in market evaluation driven by a combination of technical indicators, valuation metrics, financial trends, and quality assessments. This article analyses the factors influencing the recent changes in the company’s market outlook, providing investors with a comprehensive understanding of its current position."
      },
      {
        "title": "Why is United Credit falling/rising?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/why-is-united-credit-fallingrising-3713028",
        "imagepath": "",
        "date": "2025-11-18 22:36:26",
        "description": "As of 18-Nov, United Credit Ltd is experiencing a price increase, with its current price at Rs 32.93, reflecting a change of Rs 1.39 or 4.41% upward. The stock has shown strong performance today, outperforming its sector by 5.19% and achieving consecutive gains over the last two days, resulting in a total return of 11.36% during this period. Despite a wide intraday trading range of Rs 4.99, the stock has been volatile, with an intraday volatility of 7.54%. It is also trading above its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating positive momentum. However, there has been a notable decline in investor participation, with delivery volume falling by 42.47% compared to the 5-day average, which may suggest caution among investors.\n\nBroader market context indicates that while United Credit has risen by 8.00% over the past week, the benchmark Sensex has only increased by 0.96% during the..."
      },
      {
        "title": "United Credit Faces Evaluation Shift Amid Declining Profits and Stabilizing Trends",
        "link": "https://www.marketsmojo.com/news/stock-recommendation/united-credit-stock-rating-adjusted-from-strong-sell-to-sell-3710765",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/11/UnitedCredit_mojoScore_3710765.png",
        "date": "2025-11-18 08:30:55",
        "description": "United Credit, a microcap in the NBFC sector, has recently seen a change in its evaluation, indicating a stabilization in its price action. The company reported a modest return on equity and a decline in operating profit, alongside a significant drop in profits over the past year."
      },
      {
        "title": "How has been the historical performance of United Credit?",
        "link": "https://www.marketsmojo.com/news/stocks-in-action/how-has-been-the-historical-performance-of-united-credit-3708809",
        "imagepath": "",
        "date": "2025-11-17 23:06:31",
        "description": "Answer:\nThe historical performance of United Credit shows significant challenges, particularly in the fiscal year ending March 2009.\n\nBreakdown:\nIn March 2009, United Credit reported net sales of 0.89 Cr and total operating income of 1.21 Cr. The company's total expenditure, excluding depreciation, was 2.80 Cr, leading to an operating profit (PBDIT) of -1.42 Cr. This resulted in a profit before tax of -1.66 Cr and a profit after tax of -1.63 Cr, indicating a negative trend in profitability. The consolidated net profit stood at -1.61 Cr, with an earnings per share (EPS) of -2.93. The operating profit margin, excluding other income, was -131.07%, and the profit after tax margin was -134.96%. Cash flow analysis revealed a cash flow from operating activities of -1.37 Cr and a net cash outflow of -2.36 Cr, with closing cash and cash equivalents at 0.89 Cr, down from 3.25 Cr the previous year. Overall, the financ..."
      },
      {
        "title": "Are United Credit latest results good or bad?",
        "link": "https://www.marketsmojo.com/news/result-analysis/are-united-credit-latest-results-good-or-bad-3698351",
        "imagepath": "",
        "date": "2025-11-13 19:33:55",
        "description": "United Credit's latest financial results for the quarter ended September 2025 reveal a complex operational landscape. The company reported net sales of ₹0.76 crores, reflecting a sequential growth of 2.70% from the previous quarter, which contrasts with a year-on-year decline of 13.64%. This persistent revenue contraction highlights ongoing challenges in expanding its lending portfolio and generating fee income in a competitive non-banking financial company (NBFC) environment.\n\nIn terms of profitability, net profit decreased to ₹0.23 crores, down 8.00% from the prior quarter and significantly lower than the ₹0.43 crores reported in the same quarter last year, indicating a concerning trend in profitability. The operating margin showed a slight sequential improvement to 39.47%, but this remains below the previous year's margin of 43.18%. Additionally, the company's return on equity (ROE) stands at a low 3.34%..."
      },
      {
        "title": "United Credit Ltd Q2 FY26: Profitability Slips as Revenue Contraction Continues",
        "link": "https://www.marketsmojo.com/news/result-analysis/united-credit-ltd-q2-fy26-profitability-slips-as-revenue-contraction-continues-3698107",
        "imagepath": "https://i.marketsmojo.com/newsimg/2025/11/UnitedCredit_quaterlyResult_3698107.png",
        "date": "2025-11-13 09:29:43",
        "description": "United Credit Limited, a micro-cap non-banking financial company with a market capitalisation of ₹17.00 crores, reported a challenging second quarter for FY2026, with net profit declining to ₹0.23 crores from ₹0.25 crores in the previous quarter. The company's revenue trajectory remained under pressure, posting ₹0.76 crores in Q2 FY26, marking a year-on-year contraction of 13.64%. The stock has responded negatively to persistent operational headwinds, trading at ₹31.00 as of November 13, 2025, down 2.18% on the day and approximately 28% below its 52-week high of ₹43.00."
      }
    ],
    "total": 5029,
    "sid": "590873",
    "stock_news_url": "https://www.marketsmojo.com/news/united-credit-590873"
  },
  "announcements": [
    {
      "caption": "Announcement under Regulation 30 (LODR)-Newspaper Publication",
      "datetime": "13-Nov-2025",
      "details": "Pursuant to Regulation 30 and 47 of the SEBI (LODR) Regulation 2015 United Credit Limited has informed about News Paper Publications.",
      "source": "BSE"
    },
    {
      "caption": "Newspaper Publication Of Unaudited Financial Results For The Quarter Ended 30Th September 2025",
      "datetime": "13-Nov-2025",
      "details": "Pursuant to Regulations 30 and 47 of the SEBI (LODR) Regulations 2015 United Credit Limited has informed about News Paper Publications.",
      "source": "BSE"
    },
    {
      "caption": "Board Meeting Outcome for Outcome Of Board Meeting Held On November 12 2025",
      "datetime": "12-Nov-2025",
      "details": "Please find the unaudited financial results for the 2nd qtr and half year ended on September 30 2025 along with Auditors Report thereon.",
      "source": "BSE"
    }
  ],
  "corporate_actions": [
    {
      "img": "board-meeting.svg",
      "title": "BOARD MEETING",
      "msg": "<span>No</span> Upcoming Board Meetings",
      "data": []
    },
    {
      "img": "dividend.svg",
      "title": "DIVIDEND",
      "msg": "",
      "data": [
        {
          "txt": "United Credit Ltd has declared <strong>7%</strong> dividend, ex-date: 19 Sep 19",
          "dt": "2019-09-19",
          "middle_text": "Dividend Alert"
        }
      ]
    },
    {
      "img": "splits.svg",
      "title": "SPLITS",
      "msg": "No <strong>Splits</strong> history available",
      "data": []
    },
    {
      "img": "bonus.svg",
      "title": "BONUS",
      "msg": "No <strong>Bonus</strong> history available",
      "data": []
    },
    {
      "img": "rights-issues.svg",
      "title": "RIGHTS",
      "msg": "No <strong>Rights</strong> history available",
      "data": []
    }
  ]
}

News and Views

United Credit’s Market Assessment Reflects Mixed Signals Amidst Flat Financials

2025-12-04 08:11:46

United Credit, a player in the Non Banking Financial Company (NBFC) sector, has experienced a shift in market evaluation driven by a combination of technical trends, valuation considerations, financial performance, and quality metrics. This article analyses the factors influencing the recent revision in the company’s assessment, providing investors with a comprehensive understanding of its current standing.

How has been the historical performance of United Credit?

2025-12-03 22:49:35

Revenue and Operating Income Trends

For the fiscal year ending March 2009, United Credit reported total operating income of ₹1.21 crore, comprising net sales of ₹0.89 crore and other operating income of ₹0.32 crore. This modest revenue base was insufficient to cover the company's operating expenses, which included employee costs of ₹0.52 crore and manufacturing expenses of ₹1.32 crore. Notably, the company did not incur raw material or power costs during this period, but other expenses amounted to ₹0.81 crore. The increase in stocks contributed ₹0.15 crore to the expenditure profile.

The total expenditure excluding depreciation stood at ₹2.80 crore, more than double the operating income, leading to an operating loss before other income of ₹1.59 crore. After accounting ...

Why is United Credit falling/rising?

2025-12-02 00:42:13

Recent Price Movement and Market Comparison

United Credit's share price has been under pressure over the past week and month, with returns of -1.52% and -4.07% respectively. This contrasts sharply with the Sensex, which gained 0.87% over the week and 2.03% over the month. Year-to-date, the stock remains down by 3.49%, while the Sensex has advanced 9.60%. Over the last year, United Credit has declined by 4.37%, whereas the benchmark index has appreciated by 7.32%. Despite these recent setbacks, the stock has delivered impressive long-term gains, with a three-year return of 199.51% compared to the Sensex's 35.33%, and a five-year return of 220.00% against the Sensex's 91.78%.

Technical Indicators Signal Weakness

Technical analysis reveals that Uni...

United Credit’s Market Assessment Reflects Mixed Signals Amidst NBFC Sector Challenges

2025-11-27 08:09:50

United Credit, a player in the Non Banking Financial Company (NBFC) sector, has experienced a shift in market evaluation driven by a combination of technical indicators, valuation metrics, financial trends, and quality assessments. This article analyses the factors influencing the recent changes in the company’s market outlook, providing investors with a comprehensive understanding of its current position.

Why is United Credit falling/rising?

2025-11-18 22:36:26

As of 18-Nov, United Credit Ltd is experiencing a price increase, with its current price at Rs 32.93, reflecting a change of Rs 1.39 or 4.41% upward. The stock has shown strong performance today, outperforming its sector by 5.19% and achieving consecutive gains over the last two days, resulting in a total return of 11.36% during this period. Despite a wide intraday trading range of Rs 4.99, the stock has been volatile, with an intraday volatility of 7.54%. It is also trading above its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating positive momentum. However, there has been a notable decline in investor participation, with delivery volume falling by 42.47% compared to the 5-day average, which may suggest caution among investors. Broader market context indicates that while United Credit has risen by 8.00% over the past week, the benchmark Sensex has only increased by 0.96% during the...

United Credit Faces Evaluation Shift Amid Declining Profits and Stabilizing Trends

2025-11-18 08:30:55

United Credit, a microcap in the NBFC sector, has recently seen a change in its evaluation, indicating a stabilization in its price action. The company reported a modest return on equity and a decline in operating profit, alongside a significant drop in profits over the past year.

How has been the historical performance of United Credit?

2025-11-17 23:06:31

Answer: The historical performance of United Credit shows significant challenges, particularly in the fiscal year ending March 2009. Breakdown: In March 2009, United Credit reported net sales of 0.89 Cr and total operating income of 1.21 Cr. The company's total expenditure, excluding depreciation, was 2.80 Cr, leading to an operating profit (PBDIT) of -1.42 Cr. This resulted in a profit before tax of -1.66 Cr and a profit after tax of -1.63 Cr, indicating a negative trend in profitability. The consolidated net profit stood at -1.61 Cr, with an earnings per share (EPS) of -2.93. The operating profit margin, excluding other income, was -131.07%, and the profit after tax margin was -134.96%. Cash flow analysis revealed a cash flow from operating activities of -1.37 Cr and a net cash outflow of -2.36 Cr, with closing cash and cash equivalents at 0.89 Cr, down from 3.25 Cr the previous year. Overall, the financ...

Are United Credit latest results good or bad?

2025-11-13 19:33:55

United Credit's latest financial results for the quarter ended September 2025 reveal a complex operational landscape. The company reported net sales of ₹0.76 crores, reflecting a sequential growth of 2.70% from the previous quarter, which contrasts with a year-on-year decline of 13.64%. This persistent revenue contraction highlights ongoing challenges in expanding its lending portfolio and generating fee income in a competitive non-banking financial company (NBFC) environment. In terms of profitability, net profit decreased to ₹0.23 crores, down 8.00% from the prior quarter and significantly lower than the ₹0.43 crores reported in the same quarter last year, indicating a concerning trend in profitability. The operating margin showed a slight sequential improvement to 39.47%, but this remains below the previous year's margin of 43.18%. Additionally, the company's return on equity (ROE) stands at a low 3.34%...

United Credit Ltd Q2 FY26: Profitability Slips as Revenue Contraction Continues

2025-11-13 09:29:43

United Credit Limited, a micro-cap non-banking financial company with a market capitalisation of ₹17.00 crores, reported a challenging second quarter for FY2026, with net profit declining to ₹0.23 crores from ₹0.25 crores in the previous quarter. The company's revenue trajectory remained under pressure, posting ₹0.76 crores in Q2 FY26, marking a year-on-year contraction of 13.64%. The stock has responded negatively to persistent operational headwinds, trading at ₹31.00 as of November 13, 2025, down 2.18% on the day and approximately 28% below its 52-week high of ₹43.00.