United Credit

Why is United Credit Ltd falling/rising?

As of 18-Jul, the stock price of United Credit Ltd is 27.95, unchanged from the previous session. Despite a 3.52% rise over the last week, the stock has shown mixed performance, with a year-to-date decline of 3.52% and a significant drop in delivery volume, indicating reduced investor interest.

As of 18-Jul, the stock price of United Credit Ltd is currently at 27.95, with no change from the previous trading session. The stock has shown mixed performance over various periods. In the last week, it has risen by 3.52%, outperforming the Sensex, which increased by only 0.75%. However, over the past month, the stock's performance has been relatively flat with a slight increase of 0.18%, while the Sensex rose by 1.29%. <BR><BR>Year-to-date, United Credit Ltd has declined by 3.52%, which is a better performance compared to the Sensex's decline of 8.30%. Over the past year, the stock has fallen by 5.32%, while the Sensex has decreased by 4.99%. In the longer term, the stock has shown significant growth over three years, increasing by 125.95%, compared to the Sensex's 17.36% rise, and over five years, it has risen by 75.79% against the Sensex's 47.07%.<BR><BR>Despite these positive long-term trends, the stock is currently underperforming its sector by 0.39% today. Additionally, the stock's delivery volume has seen a drastic decline, falling by 98.03% against the 5-day average, indicating a decrease in investor participation. While the stock is trading above its 5-day, 20-day, 50-day, and 100-day moving averages, it remains below its 200-day moving average, suggesting a potential bearish trend. <BR><BR>Overall, the combination of declining investor participation and underperformance relative to the sector may contribute to the stock's stagnant price movement at this time.

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 Arunabha Biswas, Deepali Gupta (Company Secretaries). They oversee the company's operations and strategic direction.

The management team of United Credit includes the following members:<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 is responsible for overseeing the operations and strategic direction of the company.

Who are the peers of the United Credit?

United Credit's peers include Decillion Financ, Blue Chip India, Minolta Finance, and others. While United Credit has below average management risk and a 1-year return of -21.24%, peers like Minolta Finance show excellent growth and the highest return at 28.93%.

Peers: The peers of United Credit are Decillion Financ, Blue Chip India, Minolta Finance, Shree Securities, Mehta Integrat., Econo Trade Indi, Stellar Capital, KBS India, and Mid East Port.<BR><BR>Quality Snapshot: Excellent management risk is observed at Decillion Financ, Minolta Finance, Econo Trade Indi, Stellar Capital, KBS India, and Mid East Port, while Below Average management risk is found at United Credit and the rest. Growth is Excellent at Minolta Finance, Good at Econo Trade Indi, and Below Average at United Credit, Decillion Financ, Stellar Capital, KBS India, and the rest. Excellent capital structure is noted for Decillion Financ, Minolta Finance, Econo Trade Indi, United Credit, Stellar Capital, KBS India, and Mid East Port, while the rest do not qualify.<BR><BR>Return Snapshot: Minolta Finance has the highest 1-year return at 28.93%, while Blue Chip India has the lowest at -48.91%. United Credit's 1-year return is -21.24%, which is higher than Blue Chip India's but lower than Minolta Finance's. Additionally, KBS India and Blue Chip India have negative six-month returns.

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 2026, it reported net sales of 1 Cr and a market capitalization of INR 15 Cr.

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 and is the successor to the former United Bank of India Limited. The company was originally named United India Credit and Development Company Limited, which was changed to United Credit Limited on January 1, 1981. The most recent quarterly results reported net sales and net profit for March 2026.<BR><BR>Financial Snapshot:<BR>Net Sales: 1 Cr (Quarterly Results - Mar 2026) <BR>Net Profit: 0 Cr (Quarterly Results - Mar 2026) <BR>Market-cap: INR 15 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 16.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.01 <BR>Return on Equity: 2.82% <BR>Price to Book: 0.50 <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

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 28 May 2026.

The next results date for United Credit Ltd is scheduled for 28 May 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.

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.

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.