What is United Credit Ltd (531091) share price return in the past 10 years?

United Credit Ltd share price has appreciated 7.4% annually (CAGR) over the past ten years.

What is the share price of United Credit Ltd (531091)?

Company share prices are keep on changing according to the market conditions. The current trading price of United Credit Ltd (531091) on 09-Jun-2026 16:59:59 at 16:59 is 28.62.

What is the P/E ratio of United Credit?

The latest standalone P/E ratio of United Credit as of 09-Jun-2026 is 17.79.

What is the P/B ratio of United Credit Ltd (531091)?

The latest standalone P/B ratio of United Credit Ltd (531091) as of 09-Jun-2026 is 0.50.

What is the 52-week high and low of United Credit Ltd (531091)?

The 52-week high of United Credit Ltd (531091) is Rs. 37.83 and the 52-week low is Rs. 19.00.

United Credit Ltd (531091) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: United Credit Ltd (531091)
Brand: United Credit

United Credit Ltd (531091)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531091 NSE: Finance - NBFC | Small Cap | United Credit Share Price

United Credit Ltd (531091)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531091 NSE: Finance - NBFC | Small Cap | United Credit Share Price

Key Metrics

Valuation Multiples

Market Cap

₹15 Cr.

Current Price

₹28.6

52-Week Low / High

₹19 / 38

TTM EPS

₹1.6

Book Value per Share

₹57.6

P/E Ratio

17.79

Higher than its 5-year historical median

Industry PE

25.7

Price to Book (P/B)

0.50

Higher than its 5-year historical median

EV/EBITDA

12.07

Higher than its 5-year historical median

Dividend Yield

0.00%

Profitability Efficiency

Return on Equity (ROE)

3.46%

Return on Capital Employed (ROCE)

4.43%

Return on Assets (ROA)

3.36%

Growth Momentum
1-yr vs 3-yr growth

Net Interest Income Growth (1 Year)

Slowing versus 3-year growth rate

1.18%

Book Value Growth (1 Year)

Slowing versus 3-year growth rate

3.46%

Asset Quality

Gross NPA(%)

0.00%

Net NPA(%)

0.00%

TTM Sales

₹2.6 Cr.

Reserves

₹25 Cr.

Equity

₹5.3 Cr.

Face Value

₹10

All Time Low / High

₹2.00 / 65.60

United Credit stock performance

Key Ratios

Check Before You Invest

M-Cap below 100cr DeciZen not available

Q.1 Is United Credit Ltd a good quality company?

United Credit Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does United Credit Ltd performance compare with that of its Peers?

Q.1 AUM Growth of United Credit Ltd vs Industry Peers?

United Credit Ltd AUM CAGR is 2.35%, compared to the 5-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.

Q.1 Promoter shareholding and pledge status of United Credit Ltd?

Promoters hold 57.31% of the United Credit Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Q.1 Stock return of United Credit Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 6.6% based on the current price.

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	1.8	2.1	2.4	2.6	2.9	2.7	2.7	2.9	3.4	3.4	3
YoY Gr. Rt. %	-	18.1%	15.4%	9.1%	10.1%	-6.3%	-0.6%	7.4%	17.3%	1.2%	-
Adj EPS (₹ )	0.1	1.5	1.2	3.9	1.7	1.6	1.4	1.4	3.1	1.9	1.6
YoY Gr. Rt. %	-	1227.3%	-15.1%	216.9%	-57.3%	-2.4%	-13.4%	-4.2%	125.7%	-38.1%	-
BVPS (₹ )	39.1	40.6	41.8	45.7	46.6	48.2	49.7	51	54.1	56	57.6
YoY Gr. Rt. %	-	3.7%	3.1%	9.3%	1.9%	3.5%	3%	2.7%	6%	3.5%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	0.3	3.5	2.9	8.4	3.3	3.2	2.7	2.6	5.6	3.4	0

CAGR ⓘ

	9 Years	5 Years	3 Years	1 Years
Net Interest Income	7.7%	3.5%	8.4%	1.2%
Adj EPS	37.2%	2.5%	10.2%	-38.1%
BVPS	4.1%	3.7%	4.1%	3.5%
Share Price	7.4%	18.7%	24.7%	-15.3%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	3.4	37.2	27.5	79.7	30.9	32.2	28	25	48.2	29.5	33.1
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	0.3	3.7	3	9	3.6	3.5	2.9	2.7	5.8	3.5	2.8

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	2.58	2.12	2.53	7.91	2.96	2.78	2.87	2.92	4.11	3.74
Interest Income	1.77	2.09	2.41	2.63	2.89	2.71	2.70	2.90	3.40	3.44
Other Income ⓘ	1.02	0.06	0.08	2.97	0.33	0.36	0.36	0.43	0.43	0.59
Exceptional Items ⓘ	0.81	0.04	0.12	5.29	0.07	0.07	0.17	0.03	0.71	0.31
Expenditure ⓘ +	2.30	1.46	1.45	4.32	1.78	1.58	1.59	2.06	2.03	2.44
Interest Expense ⓘ	0.02	0.02	0.02	0	0	0	0	0.01	0.01	0.01
Operating Expenses ⓘ	1.27	1.38	1.35	1.34	1.45	1.22	1.23	1.62	1.59	1.84
Provisions	1.02	0.06	0.08	2.97	0.33	0.36	0.36	0.43	0.43	0.59
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	0.28	0.66	1.08	3.59	1.18	1.20	1.28	0.87	2.08	1.30
Taxes ⓘ	0.22	-0.12	0.41	1.50	0.29	0.32	0.52	0.14	0.44	0.29
Profit After Tax	0.06	0.78	0.66	2.09	0.90	0.87	0.75	0.72	1.64	1.01
Adjusted EPS (₹)	0.1	1.5	1.2	3.9	1.7	1.6	1.4	1.4	3.1	1.9
Dividend Payout Ratio (%)	0%	0%	0%	17.80%	0%	0%	0%	0%	0%	0%

Valuation of United Credit - Standalone

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	21.02	21.79	22.45	24.53	24.98	25.87	26.63	27.34	28.99	29.98
Share Capital ⓘ	5.49	5.49	5.49	5.49	5.49	5.49	5.49	5.49	5.49	5.49
Reserves ⓘ	15.52	16.30	16.96	19.04	19.49	20.37	21.14	21.85	23.49	24.49
Short term borrowings	0	0	0	0	0	0	0	0	0	0
Long Term Borrowings	-0.34	-0.79	-0.47	0.80	0.91	0.91	0.83	0.49	0.65	0.26
Current Liabilities	1.48	1.51	1.34	1.17	1.18	0.40	0.41	0.65	0.21	0.17
Trade Payables	0	0	0	0.10	0.19	0.38	0.40	0.56	0.14	0.16
Other Liabilities	0	0	-0	-0.10	-0.19	-0.38	-0.40	-0.56	-0.14	-0.16
Total Liabilities ⓘ	22.15	22.51	23.32	26.50	27.08	27.17	27.87	28.49	29.85	30.42
Assets
Non Current Asset +	12.17	11.66	11.65	11.32	11.08	10.86	10.97	10.50	10.36	10.23
Loan Asset	0	0	0	0	0	0	0	0	0	0
Other Non Current Asset ⓘ	12.17	11.66	11.65	11.32	11.08	10.86	10.97	10.50	10.36	10.23
Current Asset +	9.98	10.85	11.67	15.18	16	16.31	16.90	17.99	19.49	20.19
Current Investment	0	0	0	0	0	0	0	0	0	0
Other Current Asset	9.98	10.85	11.67	15.18	16	16.31	16.90	17.99	19.49	20.19
Total Assets ⓘ	22.15	22.51	23.32	26.50	27.08	27.17	27.87	28.49	29.85	30.42

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	0.07	0.31	-0.14	-2.48	0.30	0.94	0.41	0.31	0.53	-0.44
Cash Flow From Investing Activity ⓘ	-0.04	-0.01	0.03	2.61	-0.02	-0	-0.44	-0.13	-0	0.04
Cash Flow From Financing Activity ⓘ	0.04	-0.08	-0.08	-0.02	-0.45	-0.87	0	0.13	-0.05	0.06
Net Cash Flow ⓘ	0.08	0.22	-0.19	0.12	-0.16	0.06	-0.03	0.30	0.47	-0.34

Financial Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	0.10	1.50	1.20	3.90	1.70	1.60	1.40	1.40	3.10	1.90
DPS (₹)	0	0	0	0.70	0	0	0	0	0	0
BVPS (₹)	39.1	40.6	41.8	45.7	46.6	48.2	49.7	51	54.1	56
Performance Ratios
ROA (%)	0.3	3.5	2.9	8.4	3.3	3.2	2.7	2.6	5.6	3.4
ROE (%)	0.3	3.7	3.0	9.0	3.6	3.5	2.9	2.7	5.8	3.5
ROCE (%)	1.4	3.2	4.9	15.3	4.8	4.7	4.9	3.2	7.4	4.4
Valuation Parameters
Price/Book(x)	0.3	0.3	0.4	0.4	0.4	0.2	0.3	0.3	0.4	0.6

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

United Credit Ltd FAQs

The current trading price of United Credit on 09-Jun-2026 16:59 is ₹28.62.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 08-Jun-2026 the market cap of United Credit stood at ₹15.25 Cr

The latest P/E ratio of United Credit as of 08-Jun-2026 is 17.79.

The latest P/B ratio of United Credit as of 08-Jun-2026 is 0.50.

The 52-week high of United Credit is ₹37.83 and the 52-week low is ₹19.00.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of United Credit is ₹2.59 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that United Credit Ltd is a below average quality company.

The key valuation ratios of United Credit Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of United Credit Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About United Credit Ltd

United Credit (UCL), formerly known as United India Credit & Development Company Limited was formed in the year 1970 is the successor to the erstwhile United Bank of India Limited (UBIL). Consequent upon nationalization of the banking sector, the undertaking of UBIL became vested in the corresponding new bank, United bank of India, and by way of a scheme of amalgamation approved by the Honâ€™ble High court at Calcutta by an Order dated 23.8.1974, UBIL was merged with UCDCL, and, the assets and liabilities of United Bank of India Limited were acquired by UCDCL, in 1989 Mr. Ravi Poddar took over the management of the Company.

The Company is mainly divided operationally into the lease, hire purchase, consumer financing, investment and capital market operation. The overall management of the company is vested in the Board of Directors of the Company. Ravi Poddar is the Chairman of the Board and A.K. Dabriwala is functioning as the Managing Director of the company.

UCL is a Non-Banking Financial Company registered with Reserve Bank of India. Its main business is hire purchase, leasing and other financial services. However, it has started diversifying into other areas.

Business area of the company includes:

United Credit Ltd (531091)

United Credit Ltd (531091)

United Credit stock performance

Check Before You Invest

M-Cap below 100cr DeciZen not available

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

CAGR ⓘ

Key Financial Ratios

Profit And Loss

Valuation of United Credit - Standalone

Price Calculator

Price Chart

Price to Earnings

Price to Sales

Price to Book

EV to EBITDA

Dividend History

Analyst's Notes

Balance Sheet

Equity and Liabilities

Assets

Cash Flow

Financial Ratio

Operational & Financial Ratios

Performance Ratios

Valuation Parameters

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

United Credit Ltd FAQs

About United Credit Ltd

About MoneyWorks4Me

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United Credit Ltd (531091)

United Credit Ltd (531091)

United Credit stock performance

Check Before You Invest

M-Cap below 100cr DeciZen not available

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

CAGR ⓘ

Key Financial Ratios

Profit And Loss

Valuation of United Credit - Standalone

Price Calculator

Price Chart

Price to Earnings

Price to Sales

Price to Book

EV to EBITDA

Dividend History

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

Balance Sheet

Equity and Liabilities

Assets

Cash Flow

Financial Ratio

Operational & Financial Ratios

Performance Ratios

Valuation Parameters

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

United Credit Ltd FAQs

What is the share price of United Credit?

What is the market cap of United Credit?

What is the P/E ratio of United Credit?

What is the P/B ratio of United Credit?

What is the 52-week high and low of United Credit?

What is the TTM revenue of United Credit?

Is United Credit Ltd a good quality company?

Is United Credit Ltd undervalued or overvalued?

Is United Credit Ltd a good buy now?

About United Credit Ltd

About MoneyWorks4Me

Our Vision

What Makes MoneyWorks4Me Different

Our Approach: Ensuring compounding work its magic on client portfolio.