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.

how big is United Credit?

As of Jun 06, United Credit Ltd has a market capitalization of 17.00 Cr, classifying it as a Micro Cap company, with recent net sales of 3.45 Cr and a net profit of 1.01 Cr. Shareholder's funds are valued at 20.69 Cr, and total assets amount to 23.75 Cr.

Market Cap: As of Jun 06, United Credit Ltd has a market capitalization of 17.00 Cr, which classifies it as a Micro Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, United Credit reported Net Sales of 3.45 Cr and a Net Profit of 1.01 Cr. This data is presented on a Standalone basis.<BR><BR>Balance Sheet Snapshot: The Balance Sheet data is Consolidated and pertains to the latest annual period of Mar'09. Shareholder's Funds are valued at 20.69 Cr, while Total Assets amount to 23.75 Cr.

When is the next results date for United Credit?

No Upcoming Board Meetings

What does United Credit do?

United Credit Ltd is a Non Banking Financial Company (NBFC) established in 1970, focusing on the micro-cap market segment. As of March 2025, it reported net sales of 1 Cr and a market cap of Rs 17 Cr, with key metrics including a P/E of 17.00 and a debt-equity ratio of 0.01.

Overview:<BR>United Credit Ltd is a Non Banking Financial Company (NBFC) operating in the micro-cap market segment.<BR><BR>History:<BR>United Credit Ltd was incorporated in 1970, originally known as United India Credit & Development Company Limited. The company underwent a name change following the nationalization of the banking sector, with its operations transitioning to the United Bank of India. The latest quarterly results report net sales and net profit for March 2025.<BR><BR>Financial Snapshot:<BR>- Net Sales: 1 Cr (Quarterly Results - Mar 2025)<BR>- Net Profit: 0 Cr (Quarterly Results - Mar 2025)<BR>- Market-cap: Rs 17 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: 17.00<BR>- Industry P/E: 9<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 0.01<BR>- Return on Equity: 3.37%<BR>- Price to Book: 0.58<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

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.

Who are the peers of the United Credit?

United Credit's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Neil Industries, Corporate Merch, Gilada Finance, and Amrapali Capital. United Credit has a 1-year return of 55.59%, outperforming all its peers, with Bajaj Finance showing the highest return at 30.39%.

Peers: The peers of United Credit are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Neil Industries, Corporate Merch, Gilada Finance, Amrapali Capital.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, and Muthoot Finance, while Average management risk is found at Jio Financial and the rest. Good management risk is noted at Shriram Finance, while Below Average management risk is seen at Neil Industries, Gilada Finance, Amrapali Capital, and United Credit. Growth ratings are Excellent for Jio Financial, Good for Bajaj Finance, Cholaman.Inv.&Fn, and Shriram Finance, while Average growth is seen at Muthoot Finance, and Below Average growth is noted at Neil Industries, Gilada Finance, Amrapali Capital, and United Credit. Capital Structure is Excellent for Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, and Gilada Finance, Good for Cholaman.Inv.&Fn, and Below Average for Neil Industries, Corporate Merch, Amrapali Capital, and United Credit.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Bajaj Finance at 30.39%, while the lowest is Jio Financial at -20.22%. United Credit's 1-year return is 55.59%, which is significantly higher than all peers. Additionally, Neil Industries and Corporate Merch have negative six-month returns.

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.

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%.

Who are in the management team of United Credit?

As of March 2020, 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 Arunabha Biswas, Deepali Gupta (Company Secretaries).

As of March 2020, 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>As of March 2020, these individuals comprise the management team overseeing the operations and governance of United Credit.

Are United Credit latest results good or bad?

United Credit's latest Q2 FY26 results are unfavorable, showing an 8% decline in net profit from the previous quarter and a 46.51% drop year-on-year, along with a 13.64% decrease in revenue compared to last year. Despite a slight improvement in operating margin, the overall financial health remains concerning.

United Credit's latest results for Q2 FY26 indicate a challenging financial situation. The company reported a net profit of ₹0.23 crores, which represents an 8% decline from the previous quarter and a significant 46.51% drop year-on-year. Revenue also faced a notable contraction, with a 13.64% decrease compared to the same quarter last year, although there was a slight sequential growth of 2.70% from the previous quarter.<BR><BR>While the operating margin improved slightly to 39.47%, this is still below the levels seen in the same quarter last year. Additionally, the return on equity (ROE) remains low at 3.34%, indicating inefficiencies in generating returns on shareholders' capital.<BR><BR>Overall, the results reflect persistent revenue erosion and declining profitability, which are concerning signs for the company's financial health. The combination of these factors suggests that the latest results are not favorable for United Credit.

Should I buy, sell or hold United Credit?

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.

Which are the latest news on United Credit?

Why is United Credit falling/rising?

As of 04-Dec, United Credit Ltd's stock price is rising to 32.00, up 2.07%. The stock has shown strong performance with consecutive gains, trading above key moving averages, despite a drop in investor participation.

As of 04-Dec, United Credit Ltd's stock price is rising, currently at 32.00, reflecting an increase of 0.65 or 2.07%. This upward movement can be attributed to several factors. The stock has outperformed its sector by 1.95% today and has experienced consecutive gains over the last three days, accumulating a total return of 6.63% during this period. Additionally, United Credit is trading above its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a strong bullish trend.<BR><BR>Despite a significant drop in investor participation, with delivery volume falling by 93.52% against the 5-day average, the stock's performance remains robust. Over the past week, it has shown a modest gain of 0.31%, while the benchmark Sensex has declined by 0.53%. Although the stock has underperformed on a year-to-date basis compared to the Sensex, its impressive long-term performance, with a 215.27% increase over three years and a 237.20% increase over five years, suggests strong underlying fundamentals that continue to attract investors.