U

United Credit Limited

UNITDCR
Market snapshot · 2026-08-12 16:18 UTC

24.93

₹-1.31 (-4.99%)

MARKET CAP

₹13.28 Cr

STOCK P/E

15.5x

52W HIGH

₹37.83

52W LOW

₹19.00

BOOK VALUE

₹58.25

EPS

₹1.61

ROE

SECTOR

Financials

DEBT/EQUITY

0.91

VOLUME

1,343

P/B RATIO

0.43x

PEG RATIO

Sector

Financials

Themes

Consumer Finance
₹33.15₹30.05₹26.96₹23.86₹20.76VolumeAug '25Sep '25Nov '25Jan '26Mar '26Apr '26Jun '26Aug '26

AI Summary

✦ Clartha

Valuation Metrics

Trading 14.7% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -0.49). Confidence: 80%.

Forward Valuation Outlook

Forward outlook is unavailable because live next-12-month estimate data is not available for this ticker right now.

P/B
Strongly Undervalued

5Y Average

0.51

Current

0.43

Overvalued

0.58

Undervalued

0.43

P/E
Strongly Undervalued

5Y Average

13.72

Current

15.48

Overvalued

19.98

Undervalued

14.44

P/S
Fair

5Y Average

3.78

Current

4.27

Overvalued

5.19

Undervalued

2.32

Peers & Comparison

No peer data available for this company.
WHY THESE PEERS

No sector data available for this company.

Financials

Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.

Latest revenue

₹1.00 CrMar 2026

Latest net profit

₹0.00 CrMar 2026

Latest EPS

₹0.41Mar 2026

Net margin

29.8%Mar 2026

Performance

Bars show revenue and net profit. The line shows net margin.

Rs crore + margin %
Q4 '25Q1 '26Q2 '26Q3 '26Q4 '260.0%10.0%20.0%30.0%40.0%0.00 Cr0.25 Cr0.50 Cr0.75 Cr1.00 Cr
  • Revenue
  • Net income
  • Net margin %

Earnings

Revenue is shown in crores. EPS is rupees per share.

Rs crore + Rs/share
Q4 '25Q1 '26Q2 '26Q3 '26Q4 '260.00 Cr0.25 Cr0.50 Cr0.75 Cr1.00 Cr₹0₹0₹0₹0₹1
  • Revenue
  • EPS

Revenue to profit conversion

Bridge from operating numbers to profit for the latest reported period.

Rs crore
RevenueExpensesDepreciationOperatingprofitOther incomeProfitbefore taxTax & otherNet Profit0.00 Cr0.25 Cr0.50 Cr0.75 Cr1.00 Cr

Latest reported period: Mar 2026

Debt level and coverage

Debt, cash and free cash flow compared on the same crore scale.

Rs crore
Debt free
Mar 2025Sep 2025Mar 2026-11 Cr0.00 Cr11 Cr22 Cr33 Cr
  • Free cash flow
  • Cash & equivalents

Results

Sales

₹1 Cr

+2.9%

Net Profit

₹0 Cr

+342.4%

EBITDA

₹0 Cr

+701.4%

EPS

₹0.41

+355.6%
MetricMar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales11111
Expenses10011
Operating Profit00000
OPM %1.12%34.21%37.79%21.1%29.8%
Other Income-00000
Depreciation00000
Profit before tax-00000
Tax %904.92%21.68%22.23%18.76%21.56%
Net Profit00000
EPS in Rs0.090.470.430.300.41

All values in ₹ Crores unless otherwise stated. Source: Company filings.

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