United Credit

₹20 -0.5 | 2.3%

WEBSITE BSE:531091 NSE : UNITED CRED. 18 May, 10:00

Market Cap ₹11 Cr.

Stock P/E 7.9

P/B 0.4

Current Price ₹20

Book Value ₹ 53.3

Face Value 10

52W High ₹30.1

Dividend Yield 0%

52W Low ₹ 11.8

Edit Ratio

United Credit Research see more...

Overview Inc. Year: 1970Industry: Finance - NBFC

United Credit Share Price

New

Volume

Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

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Peer Comparison

United Credit Quarterly Results

#(Fig in Cr.)	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
Operating Revenue	1	1	1	1	1	1	1	1	1	1
Other Income	0	0	0	0	0	-0	0	0	0	1
Total Income	1	1	1	1	1	1	1	1	1	1
Total Expenditure	0	0	0	1	0	0	0	0	0	1
Operating Profit	0	0	1	0	0	0	0	0	0	1
Interest Expense	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	0	0	1	0	0	0	0	0	0	1
Provision for Tax	0	-0	0	0	0	-0	0	0	0	0
Profit After Tax	0	0	0	0	0	0	0	0	0	1
Adjustments	-0	0	-0	-0	0	0	0	0	0	0
Profit After Adjustments	0	0	0	0	0	0	0	0	0	1
Adjusted Earnings Per Share	0.1	0.4	0.5	0.2	0.4	0.4	0.3	0.4	0.5	1.3

United Credit Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	2	2	2	2	2	2	3	3	3	3	3	4
Other Income	0	0	0	1	0	0	5	0	0	0	0	1
Total Income	2	2	2	3	2	3	8	3	3	3	3	4
Total Expenditure	7	1	1	2	1	1	4	2	2	2	2	1
Operating Profit	-5	1	1	0	1	1	4	1	1	1	1	1
Interest Expense	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	-5	1	1	0	1	1	4	1	1	1	1	1
Provision for Tax	-2	0	0	0	-0	0	2	0	0	1	0	0
Profit After Tax	-3	1	1	0	1	1	2	1	1	1	1	1
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	-3	1	1	0	1	1	2	1	1	1	1	1
Adjusted Earnings Per Share	-5.9	0.7	1	0.1	1.5	1.2	3.9	1.7	1.6	1.4	1.4	2.5

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	0%	0%	8%	4%
Operating Profit CAGR	0%	0%	0%	0%
PAT CAGR	0%	0%	0%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	23%	21%	-1%	6%
ROE Average	3%	3%	4%	2%
ROCE Average	3%	4%	7%	3%

United Credit Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	22	20	21	21	22	22	25	25	26	27	27
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	0	0	0	0	0	0	0	0	0
Current Liability	1	2	1	1	2	1	1	1	0	0	1
Other Liabilities & Provisions	-1	-1	-0	-0	-1	-0	1	1	1	1	0
Total Liabilities	21	21	22	22	23	23	27	27	27	28	28
Loans	0	0	0	0	0	0	0	0	0	0	0
Investments	0	0	0	0	0	0	0	0	0	0	0
Fixed Assets	0	0	0	0	0	0	0	0	0	0	0
Other Loans	12	12	12	12	11	11	2	2	2	2	2
Other Non Current Assets	0	0	0	0	0	0	9	9	9	9	8
Current Assets	9	9	10	10	11	12	15	16	16	17	18
Total Assets	21	21	22	22	23	23	27	27	27	28	28

United Credit Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	0	0	0	0	0	0	0	0	0	0	0
Cash Flow from Operating Activities	0	1	0	0	0	-0	-2	0	1	0	0
Cash Flow from Investing Activities	-0	-0	-0	-0	-0	0	3	-0	-0	-0	-0
Cash Flow from Financing Activities	-0	-1	0	0	-0	-0	-0	-0	-1	0	0
Net Cash Inflow / Outflow	0	-0	-0	0	0	-0	0	-0	0	-0	0
Closing Cash & Cash Equivalent	0	0	0	0	0	0	0	0	0	0	0

United Credit Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	-5.94	0.73	0.98	0.11	1.46	1.24	3.93	1.68	1.64	1.42	1.36
CEPS(Rs)	-5.86	1.15	1.09	0.28	1.6	1.35	4.01	1.74	1.69	1.45	1.46
DPS(Rs)	0	0	0	0	0	0	0.7	0	0	0	0
Book NAV/Share(Rs)	38.38	38.06	39.02	39.14	40.59	41.84	45.74	46.59	48.24	49.68	51.01
Net Profit Margin	-141.5	30.39	26.81	3.39	37.22	27.47	79.66	30.94	32.22	27.97	25.02
Operating Margin	-215.07	45.43	42.16	16.54	32.54	45.31	136.86	40.95	44.16	47.45	30.18
PBT Margin	-215.35	44.43	42.06	15.62	31.55	44.65	136.79	40.92	44.15	47.45	29.94
ROA(%)	-13.27	2.71	2.41	0.27	3.48	2.89	8.4	3.34	3.22	2.74	2.57
ROE(%)	-14.37	2.83	2.54	0.29	3.66	3.01	8.97	3.64	3.46	2.89	2.7
ROCE(%)	-20.67	4.08	3.95	1.38	3.15	4.92	15.3	4.79	4.71	4.87	3.23
Price/Earnings(x)	0	22.01	18.39	97.43	9.12	13.24	4.58	9.58	6.69	9.43	9.62
Price/Book(x)	0.22	0.42	0.46	0.28	0.33	0.39	0.39	0.35	0.23	0.27	0.26
Dividend Yield(%)	0	0	0	0	0	0	3.89	0	0	0	0
EV/Net Sales(x)	2.24	4.21	4.74	3.11	3.09	3.48	3.49	2.9	2.1	2.59	2.3
EV/Core EBITDA(x)	-1.05	8.89	10.46	14.47	8.53	7.3	2.52	6.88	4.65	5.39	7.18
Interest Earned Growth(%)	6.92	-15.36	2.71	-9.18	18.15	15.41	9.06	10.11	-6.24	-0.62	7.39
Net Profit Growth	-542.99	118.18	-9.37	-88.52	1197.27	-14.81	216.28	-57.24	-2.37	-13.7	-3.96
EPS Growth(%)	-643.21	112.23	34.69	-88.52	1197.27	-14.81	216.28	-57.23	-2.37	-13.7	-3.96
Interest Coverage(x) %	-756.8	45.52	447.21	18.05	33.03	69.17	1884.99	1075.59	2761.87	0	126.64

United Credit Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.85	57.31	57.31
FII	0	0	0	0	0	0	0	0	0	0
DII	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53
Public	41.62	41.62	41.62	41.62	41.62	41.62	41.62	41.62	42.16	42.16
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	0.31	0.31	0.31	0.31	0.31	0.31	0.31	0.31	0.31	0.31
FII	0	0	0	0	0	0	0	0	0	0
DII	0	0	0	0	0	0	0	0	0	0
Public	0.22	0.22	0.22	0.22	0.22	0.22	0.22	0.22	0.22	0.22
Others	0	0	0	0	0	0	0	0	0	0
Total	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53	0.53

Pros

Stock is trading at 0.4 times its book value
Company is almost debt free.

Cons

Company has a low return on equity of 3% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.