United Credit

Why is United Credit Ltd falling/rising?

As of 01-Sep, United Credit Ltd's stock price is currently at 21.57, reflecting a decline of 4.98%. The stock has been on a downward trend, losing 25.54% year-to-date and consistently trading below its moving averages, indicating ongoing negative performance.

As of 01-Sep, United Credit Ltd's stock price is falling, currently at 21.57, which reflects a decrease of 1.13 or 4.98%. The stock has been on a downward trend, having lost 13.72% over the last three days and showing a significant decline of 21.85% over the past month. This underperformance is evident as the stock has consistently traded below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages.<BR><BR>Despite opening with a gain of 4.85% today and reaching an intraday high of Rs 23.83, the stock quickly fell to its current price, indicating volatility and a lack of sustained upward momentum. Additionally, the stock has underperformed its sector by 3.52% today, further contributing to the negative sentiment surrounding it. Year-to-date, the stock has declined by 25.54%, while the benchmark Sensex has only decreased by 9.71%, highlighting a significant disparity in performance.<BR><BR>While there has been a notable increase in investor participation, with delivery volume rising by 200.78% against the 5-day average, this has not translated into a positive price movement. Overall, the combination of recent price declines, poor performance relative to benchmarks, and trading below moving averages suggests that United Credit Ltd is experiencing a downward trend in its stock price.

Which are the latest news on United Credit?

Who are in the management team of United Credit?

The management team of United Credit includes A K Dabriwala (Chairman & Managing Director), N Mishra, R M Choubey, Suresh Chandra Saha (all Non-Executive & Independent Directors), Devashish Dabriwal, Rashmi Vijaykaran Dabriwal (Non-Executive & Non-Independent Directors), and company secretaries Arunabha Biswas and Deepali Gupta. They are responsible for guiding the company's strategy and operations.

The management team of United Credit includes the following individuals:<BR><BR>1. **A K Dabriwala** - Chairman & Managing Director<BR>2. **N Mishra** - Non-Executive & Independent Director<BR>3. **R M Choubey** - Non-Executive & Independent Director<BR>4. **Devashish Dabriwal** - Non-Executive & Non-Independent Director<BR>5. **Arunabha Biswas** - Company Secretary<BR>6. **Suresh Chandra Saha** - Non-Executive & Independent Director<BR>7. **Rashmi Vijaykaran Dabriwal** - Non-Executive & Non-Independent Director<BR>8. **Deepali Gupta** - Company Secretary<BR><BR>This team plays a crucial role in guiding the company's strategy and operations.

What does United Credit do?

United Credit Limited (UCL) is a Non-Banking Financial Company (NBFC) established in 1970, focusing on micro-cap market operations. As of June 2026, it reported net sales of 1 Cr and a market cap of INR 13 Cr, with key metrics including a P/E ratio of 15.00 and a return on equity of 2.63%.

Overview:<BR>United Credit Limited (UCL) operates as a Non Banking Financial Company (NBFC) within the Micro Cap market segment.<BR><BR>History:<BR>United Credit Ltd was incorporated in 1970 and is the successor to the former United Bank of India Limited. The company was originally named United India Credit and Development Company Limited (UICDCL) and changed its name to United Credit Limited on January 1, 1981. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot:<BR>Net Sales: 1 Cr (Quarterly Results - Jun 2026) <BR>Net Profit: 0 Cr (Quarterly Results - Jun 2026) <BR>Market Cap: INR 13 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 15.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.01 <BR>Return on Equity: 2.63% <BR>Price to Book: 0.42 <BR><BR>Contact Details:<BR>Address: 27B Camac Street, 8th Floor Kolkata West Bengal : 700016 <BR>Tel: 91-033-22879359/9360 <BR>Email: unitedcredit@vsnl.com <BR>Website: http://www.unitedcreditltd.com

Who are the peers of the United Credit?

United Credit's peers include KBS India, Daulat Securitie, Tokyo Finance, Ontic Finserve, Goenka Business, Manipal Fin. Cor, Neil Industries, Shrydus Indust., and HB Leasing & Fin. Notably, Ontic Finserve has the highest 1-year return at 115.71%, while KBS India has the lowest at -41.70%, with United Credit's return at -18.90%.

Peers: The peers of United Credit are KBS India, Daulat Securitie, Tokyo Finance, Ontic Finserve, Goenka Business, Manipal Fin. Cor, Neil Industries, Shrydus Indust., and HB Leasing & Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at KBS India, Daulat Securitie, Ontic Finserve, Goenka Business, Shrydus Indust., and United Credit, while Average management risk is found at Daulat Securitie. Below Average management risk is noted for KBS India, Ontic Finserve, Goenka Business, Neil Industries, and Shrydus Indust., while Tokyo Finance, Manipal Fin. Cor, and HB Leasing & Fin. do not qualify. Growth is Excellent at Daulat Securitie, while Below Average growth is seen at KBS India, Ontic Finserve, Goenka Business, Neil Industries, and Shrydus Indust. The Capital Structure is Excellent for KBS India, Ontic Finserve, Goenka Business, Shrydus Indust., and United Credit, while Good is noted for Neil Industries.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Ontic Finserve at 115.71%, while the lowest is KBS India at -41.70%. United Credit's 1-year return of -18.90% is better than KBS India but worse than Ontic Finserve. Additionally, the six-month return is negative for KBS India, Neil Industries, and HB Leasing & Fin.

How big is United Credit?

Summary could not be generated.

As of 31st August, United Credit Ltd has a market capitalization of 13.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, United Credit reported net sales of 3.14 Cr and a net profit of 0.80 Cr.<BR><BR>The reporting period for the balance sheet data is the latest annual period, but specific values for Shareholder's Funds and Total Assets are unavailable.

Should I buy, sell or hold United Credit Ltd?

When is the next results date for United Credit Ltd?

The next results date for United Credit Ltd is 10 August 2026.

The next results date for United Credit Ltd is scheduled for 10 August 2026.

Are United Credit Ltd latest results good or bad?

United Credit Ltd's latest results are concerning, showing a 30.43% decline in net profit quarter-on-quarter and a 40.74% drop year-on-year, alongside decreasing revenues and a low return on equity of 2.63%. Overall, the financial performance indicates significant operational challenges, making it a risky investment.

United Credit Ltd's latest results indicate a challenging financial situation. For Q3 FY26, the company reported a net profit of ₹0.16 crores, which reflects a significant decline of 30.43% quarter-on-quarter and 40.74% year-on-year. Additionally, net sales decreased to ₹0.77 crores, marking a 13.48% drop compared to the same quarter last year. <BR><BR>The profit after tax (PAT) margin has also compressed notably, falling from 30.26% in the previous quarter to 20.78%. This trend of declining revenues and profitability has been consistent, with three consecutive quarters showing year-on-year revenue declines. <BR><BR>Moreover, the company's return on equity (ROE) stands at a low 2.63%, indicating weak capital efficiency. The overall financial performance suggests that United Credit is facing significant operational challenges, and the market is reflecting these concerns, as evidenced by the stock trading below key moving averages and a price-to-book ratio of 0.52.<BR><BR>In summary, the results are generally viewed as bad, highlighting persistent revenue decline, margin compression, and weak returns, which warrant caution for investors.

How has been the historical performance of United Credit?

United Credit faced significant financial challenges in the fiscal year ending March 2009, reporting a net loss of -1.63 Cr and a negative operating profit margin of -131.07%, alongside a substantial cash outflow. Overall, the company experienced considerable losses and cash flow difficulties during this period.

Answer:<BR>The historical performance of United Credit shows significant challenges in the fiscal year ending March 2009.<BR><BR>Breakdown:<BR>In March 2009, United Credit reported net sales of 0.89 Cr and total operating income of 1.21 Cr. However, the company faced substantial expenditures totaling 2.80 Cr, leading to an operating profit (PBDIT) of -1.42 Cr. The profit before tax was recorded at -1.66 Cr, resulting in a profit after tax of -1.63 Cr, which reflects a negative earnings per share of -2.93. The operating profit margin was notably low at -131.07%, and the profit after tax margin was -134.96%. Cash flow analysis indicates 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 dropping to 0.89 Cr from 3.25 Cr in the previous year. Overall, the financial metrics indicate a period of significant losses and cash flow challenges for United Credit during this time.

Is United Credit overvalued or undervalued?

As of July 14, 2025, United Credit is considered undervalued with a PE ratio of 16.35 and an EV to EBITDA of 14.92, indicating a positive shift in valuation from fair to attractive compared to its peers in the NBFC sector, despite short-term underperformance against the Sensex.

As of 14 July 2025, the valuation grade for United Credit has moved from fair to attractive, indicating a positive shift in its perceived value. The company is currently considered undervalued, with a PE ratio of 16.35, an EV to EBITDA ratio of 14.92, and a Price to Book Value of 0.55. These metrics suggest that United Credit is trading at a discount compared to its peers in the Non-Banking Financial Company (NBFC) sector.<BR><BR>When comparing United Credit to its peers, Life Insurance has a PE ratio of 11.99 and an EV to EBITDA of 9.4, while Bajaj Finance is significantly more expensive with a PE ratio of 34.32 and an EV to EBITDA of 19.27. This peer comparison reinforces the notion that United Credit is undervalued relative to its industry. Additionally, while the company's stock has underperformed the Sensex in the short term, it has shown significant growth over the past three years, with a return of 206.32%, compared to the Sensex's 53.99%.

What is the technical trend for United Credit?

As of June 6, 2025, United Credit's technical trend is mildly bullish, supported by daily moving averages and the weekly MACD, though caution is advised due to bearish signals from the monthly MACD and KST.

As of 6 June 2025, the technical trend for United Credit has changed from sideways to mildly bullish. The weekly MACD indicates a bullish stance, while the daily moving averages also support a mildly bullish outlook. However, the monthly MACD and KST are mildly bearish, suggesting some caution. The Bollinger Bands show a mildly bullish trend on the monthly timeframe but bearish on the weekly. Overall, the current technical stance is mildly bullish, driven primarily by the daily moving averages and the weekly MACD.

Who are the top shareholders of the United Credit?

The top shareholders of United Credit are Dabriwala Banijya Udyog Limited with 43.16%, followed by United Nanotech Products Limited at 13.93%, and individual investors holding 23.0%. Currently, there are no reported holdings from mutual funds or foreign institutional investors.

The top shareholders of United Credit include Dabriwala Banijya Udyog Limited, which holds the largest stake at 43.16%. The highest public shareholder is United Nanotech Products Limited, with a holding of 13.93%. Additionally, individual investors collectively own 23.0% of the company. There are no holdings from mutual funds or foreign institutional investors (FIIs) reported at this time.

Has United Credit declared dividend?

Yes, United Credit Ltd has declared a dividend of 7% (0.7 per share) with an ex-date of September 19, 2019. However, the current dividend yield is 0%, and total returns have been strong over the years, primarily driven by price appreciation.

Yes, United Credit Ltd has declared a dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 7%<BR>- Amount per share: 0.7<BR>- Ex-date: 19 Sep 19<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was -2.4%, the dividend return was 0%, resulting in a total return of -2.4%.<BR><BR>For the 1-year period, the price return was 56.86%, the dividend return was 0%, leading to a total return of 56.86%.<BR><BR>Over the 2-year period, the price return was 122.72%, with a dividend return of 0%, culminating in a total return of 122.72%.<BR><BR>In the 3-year period, the price return was 171.78%, the dividend return was 0%, resulting in a total return of 171.78%.<BR><BR>For the 4-year period, the price return was 206.13%, with a dividend return of 0%, leading to a total return of 206.13%.<BR><BR>In the 5-year period, the price return was 154.56%, the dividend return was 0%, resulting in a total return of 154.56%.<BR><BR>Overall, while United Credit Ltd has declared a dividend, the current dividend yield stands at 0%. The total returns over various periods indicate strong price appreciation, particularly over the longer term, despite the absence of dividend contributions in recent years.