Nifty

:

23002.15

Sensex

:

74207.24

-775.65 (-3.26%)
-2496.89 (-3.26%)

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Nifty
Sensex

:
:

23002.15
74207.24

-775.65 (-3.26%)
-2496.89 (-3.26%)

United Credit Ltd.

Finance - NBFC

Rating :

N/A

BSE: 531091 | NSE: Not Listed

Watchlist

NSE BSE

21.79

19-Mar-2026

Open
High
Low
Previous Close

21
21.99
21
22.19

Volume
Traded Value (lacs)
52 Week High
52 Week Low

406
8530
21.99
0

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

11.61
17.16
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

11.45
N/A
0.39

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

6.87
4.89
5.86

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
-1.25
3.71

PAT CAGR (%)

10 Years
5 Years
3 Years

32.62
3.03
11.94

P:E (Median)

8 Years
5 Years
3 Years

9.68
10.19
10.73

P:BV (Average)

8 Years
5 Years
3 Years

0.38
0.40
0.48

EV:EBITDA (Average)

8 Years
5 Years
3 Years

6.89
7.84
8.93

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var%
Net Sales 0.77 0.89 -13.48% 0.77 0.88 -12.50% 0.74 0.87 -14.94% 0.81 0.96 -15.62%
Expenses 0.55 0.51 7.84% 0.46 0.50 -8.00% 0.46 0.60 -23.33% 0.76 0.46 65.22%
EBITDA 0.22 0.37 -40.54% 0.31 0.38 -18.42% 0.28 0.27 3.70% 0.05 0.50 -90.00%
EBIDTM 28.70% 42.05% 40.26% 43.10% 38.41% 31.21% 6.07% 51.72%
Other Income 0.02 0.06 -66.67% 0.02 0.15 -86.67% 0.06 0.12 -50.00% -0.03 0.03 -
Interest 0.01 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Depreciation 0.04 0.02 100.00% 0.03 0.01 200.00% 0.02 0.01 100.00% 0.03 0.02 50.00%
PBT 0.20 0.41 -51.22% 0.30 0.51 -41.18% 0.32 0.38 -15.79% -0.01 0.51 -
Tax 0.04 0.14 -71.43% 0.07 0.08 -12.50% 0.07 0.12 -41.67% -0.06 0.09 -
PAT 0.16 0.27 -40.74% 0.23 0.43 -46.51% 0.25 0.26 -3.85% 0.05 0.42 -88.10%
PATM 20.65% 30.55% 30.33% 49.03% 33.56% 30.29% 6.07% 43.38%
EPS 0.30 0.51 -41.18% 0.44 0.81 -45.68% 0.47 0.49 -4.08% 0.09 0.78 -88.46%

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var%
Net Sales 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Expenses 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBITDA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBIDTM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Tax 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Right to Left

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Sales 3.09 3.44 3.40 2.90 2.70 2.71 2.89 2.63 2.41 2.09 1.77 Net Sales Growth -14.17% 1.18% 17.24% 7.41% -0.37% -6.23% 9.89% 9.13% 15.31% 18.08% Cost Of Goods Sold 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 3.08 3.44 3.40 2.90 2.70 2.71 2.89 2.63 2.41 2.09 1.77 GP Margin 99.81% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 2.23 2.36 1.95 2.00 1.57 1.56 1.74 4.27 1.38 1.37 2.20 Power & Fuel Cost - 0.03 0.02 0.02 0.02 0.02 0.03 0.03 0.04 0.04 0.04 % Of Sales - 0.87% 0.59% 0.69% 0.74% 0.74% 1.04% 1.14% 1.66% 1.91% 2.26% Employee Cost - 0.81 0.74 0.74 0.69 0.73 0.73 0.66 0.61 0.58 0.57 % Of Sales - 23.55% 21.76% 25.52% 25.56% 26.94% 25.26% 25.10% 25.31% 27.75% 32.20% Manufacturing Exp. - 0.23 0.27 0.37 0.15 0.24 0.22 0.18 0.21 0.25 0.20 % Of Sales - 6.69% 7.94% 12.76% 5.56% 8.86% 7.61% 6.84% 8.71% 11.96% 11.30% General & Admin Exp. - 0.74 0.52 0.46 0.36 0.23 0.47 0.47 0.47 0.47 0.41 % Of Sales - 21.51% 15.29% 15.86% 13.33% 8.49% 16.26% 17.87% 19.50% 22.49% 23.16% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 0.59 0.43 0.43 0.36 0.36 0.33 2.97 0.08 0.06 0.00 % Of Sales - 17.15% 12.65% 14.83% 13.33% 13.28% 11.42% 112.93% 3.32% 2.87% 57.63% EBITDA 0.86 1.08 1.45 0.90 1.13 1.15 1.15 -1.64 1.03 0.72 -0.43 EBITDA Margin 27.83% 31.40% 42.65% 31.03% 41.85% 42.44% 39.79% -62.36% 42.74% 34.45% -24.29% Other Income 0.07 0.31 0.71 0.03 0.17 0.07 0.07 5.29 0.12 0.04 0.81 Interest 0.01 0.01 0.01 0.01 0.00 0.00 0.00 0.00 0.02 0.02 0.02 Depreciation 0.12 0.07 0.07 0.06 0.02 0.03 0.03 0.04 0.06 0.08 0.09 PBT 0.81 1.30 2.08 0.87 1.28 1.20 1.18 3.59 1.08 0.66 0.28 Tax 0.12 0.29 0.44 0.14 0.52 0.32 0.29 1.50 0.41 -0.12 0.22 Tax Rate 14.81% 22.31% 21.15% 16.09% 40.63% 26.67% 24.58% 41.78% 37.96% -18.18% 78.57% PAT 0.69 1.01 1.64 0.72 0.75 0.87 0.90 2.09 0.66 0.78 0.06 PAT before Minority Interest 0.69 1.01 1.64 0.72 0.75 0.87 0.90 2.09 0.66 0.78 0.06 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 22.33% 29.36% 48.24% 24.83% 27.78% 32.10% 31.14% 79.47% 27.39% 37.32% 3.39% PAT Growth -50.00% -38.41% 127.78% -4.00% -13.79% -3.33% -56.94% 216.67% -15.38% 1,200.00% EPS 1.30 1.91 3.09 1.36 1.42 1.64 1.70 3.94 1.25 1.47 0.11

Results Balance Sheet

Standalone Figures in Rs. Crores

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 29.98 28.99 27.34 26.63 25.87 24.98 24.53 22.45 21.79 21.02 Share Capital 5.49 5.49 5.49 5.49 5.49 5.49 5.49 5.49 5.49 5.49 Total Reserves 24.49 23.49 21.85 21.14 20.37 19.49 19.04 16.96 16.30 15.52 Non-Current Liabilities 0.26 0.65 0.49 0.83 0.91 0.91 0.80 -0.47 -0.79 -0.34 Secured Loans 0.15 0.08 0.13 0.00 0.00 0.00 0.00 0.00 0.02 0.10 Unsecured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 0.40 0.59 0.36 0.80 0.84 0.70 0.56 0.57 0.49 1.28 Current Liabilities 0.17 0.21 0.65 0.41 0.40 1.18 1.17 1.34 1.51 1.48 Trade Payables 0.16 0.14 0.56 0.40 0.38 0.19 0.10 0.00 0.00 0.00 Other Current Liabilities 0.02 0.06 0.09 0.01 0.02 0.99 1.07 1.28 1.46 1.44 Short Term Borrowings 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Provisions 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.06 0.05 0.04 Total Liabilities 30.41 29.85 28.48 27.87 27.18 27.07 26.50 23.32 22.51 22.16 Net Block 0.29 0.18 0.22 0.05 0.06 0.09 0.10 0.14 0.18 0.24 Gross Block 1.05 1.02 0.99 0.77 0.76 0.75 0.74 0.79 0.77 0.76 Accumulated Depreciation 0.76 0.83 0.77 0.71 0.69 0.67 0.63 0.65 0.59 0.52 Non Current Assets 10.23 10.36 10.50 10.97 10.86 11.08 11.32 11.65 11.66 12.17 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Non Current Investment 0.48 0.43 0.32 0.45 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Loans & Adv. 1.48 1.60 1.57 1.85 1.95 1.96 1.95 11.22 11.20 11.64 Other Non Current Assets 7.98 8.15 8.39 8.61 8.85 9.03 9.27 0.29 0.29 0.29 Current Assets 20.19 19.49 17.99 16.90 16.31 16.00 15.18 11.67 10.85 9.98 Current Investments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 0.06 0.32 0.33 0.45 0.34 0.30 0.13 0.05 0.02 0.01 Cash & Bank 0.55 0.89 0.42 0.12 0.15 0.19 0.42 0.40 0.72 0.51 Other Current Assets 19.58 0.49 0.46 0.43 15.83 15.51 14.63 11.22 10.11 9.46 Short Term Loans & Adv. 19.05 17.78 16.77 15.90 15.40 15.13 14.30 10.93 9.84 9.21 Net Current Assets 20.01 19.28 17.34 16.49 15.91 14.82 14.01 10.33 9.34 8.50 Total Assets 30.42 29.85 28.49 27.87 27.17 27.08 26.50 23.32 22.51 22.15

Cash Flow

Standalone Figures in Rs. Crores

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity -0.44 0.53 0.31 0.41 0.94 0.30 -2.48 -0.14 0.31 0.07 PBT 1.30 2.08 0.87 1.28 1.20 1.18 3.59 1.08 0.66 0.28 Adjustment -2.42 -2.15 -1.77 -1.75 -1.73 -1.66 -3.87 -1.31 -1.14 -0.86 Changes in Working Capital -1.42 -1.44 -0.49 -0.63 -0.30 -0.92 -3.42 -1.08 -0.24 -0.34 Cash after chg. in Working capital -2.54 -1.51 -1.40 -1.10 -0.84 -1.39 -3.69 -1.32 -0.72 -0.93 Interest Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.01 -0.02 -0.02 Tax Paid -0.04 0.01 -0.12 -0.23 -0.03 0.00 -0.11 -0.01 -0.07 -0.04 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 2.14 2.03 1.82 1.75 1.80 1.69 1.33 1.20 1.12 1.06 Cash From Investing Activity 0.04 0.00 -0.13 -0.44 0.00 -0.02 2.61 0.03 -0.01 -0.04 Net Fixed Assets -0.03 -0.03 -0.22 -0.01 -0.01 -0.01 0.05 -0.02 -0.01 -0.05 Net Investments -0.05 -0.11 0.13 -0.45 0.00 0.00 0.00 0.00 0.00 0.23 Others 0.12 0.14 -0.04 0.02 0.01 -0.01 2.56 0.05 0.00 -0.22 Cash from Financing Activity 0.06 -0.05 0.13 0.00 -0.87 -0.45 -0.02 -0.08 -0.08 0.04 Net Cash Inflow / Outflow -0.34 0.47 0.30 -0.03 0.06 -0.16 0.12 -0.19 0.22 0.08 Opening Cash & Equivalents 0.88 0.41 0.11 0.14 0.07 0.24 0.12 0.31 0.10 0.02 Closing Cash & Equivalent 0.54 0.88 0.41 0.11 0.14 0.07 0.24 0.12 0.31 0.10

Financial Ratios

Standalone /

Consolidated

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value (Rs.) 55.96 54.09 51.01 49.68 48.24 46.59 45.74 41.84 40.59 39.14 ROA 3.36% 5.61% 2.57% 2.74% 3.22% 3.34% 8.40% 2.89% 3.48% 0.27% ROE 3.46% 5.84% 2.70% 2.89% 3.46% 3.64% 8.97% 3.01% 3.66% 0.29% ROCE 4.43% 7.38% 3.23% 4.87% 4.71% 4.79% 15.30% 4.92% 3.15% 1.38% Fixed Asset Turnover 3.33 3.39 3.30 3.53 3.58 3.88 3.44 3.08 2.72 2.40 Receivable days 20.28 35.25 49.25 53.21 42.85 27.10 12.31 5.23 2.86 2.03 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 0.00 34.74 0.00 0.00 0.00 Cash Conversion Cycle 20.28 35.25 49.25 53.21 42.85 27.10 -22.43 5.23 2.86 2.03 Total Debt/Equity 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 Interest Cover 150.59 229.22 126.64 0.00 2761.87 1075.59 1884.99 69.17 33.03 18.05

Description Mar 09 Mar 08 Mar 07
Book Value (Rs.) 32.15 34.67 33.57 ROA -6.66% 5.27% 1.17% ROE -7.66% 6.10% 1.37% ROCE -7.07% 7.44% 2.13% Fixed Asset Turnover 4.62 11.78 3.79 Receivable days 2.08 2.50 22.07 Inventory Days 42.63 14.17 39.48 Payable days 0.98 0.00 0.00 Cash Conversion Cycle 43.73 16.66 61.55 Total Debt/Equity 0.06 0.01 0.02 Interest Cover -16.72 17.48 108.41

Top Investors:

united nanotech products limited

farooq arbi halai

Annual Reports:

News Update:

United Credit - Quarterly Results
14th Feb 2026, 00:00 AM

Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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