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

United Credit Ltd share price has appreciated 8.2% 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 11-May-2026 12:29:00 at 12:29 is 28.79.

What is the P/E ratio of United Credit?

The latest standalone P/E ratio of United Credit as of 11-May-2026 is 21.64.

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

The latest standalone P/B ratio of United Credit Ltd (531091) as of 11-May-2026 is 0.49.

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

The 52-week high of United Credit Ltd (531091) is Rs. 39.99 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

Key Metrics

Market Cap

₹15 Cr.

Earnings Per Share (TTM)

₹1.29

P/E Ratio

21.64

Price to Book (P/B)

0.49

EV/EBITDA

15.71

Current Price

₹28.8

Return on Capital Employed (ROCE)

4.43%

Return on Equity (ROE)

3.46%

Return on Assets (ROA)

3.36%

Gross NPA(%)

0.00

Book Value per Share

₹57.2

Net NPA(%)

0.00

Dividend Yield

0.00%

Net Interest Income Growth (1 Year)

1.18%

Net Interest Income Growth (3 Years)

8.3%

52-Week Low / High

₹19 / 40

Book Value Growth (1 Year)

3.46%

Book Value Growth (3 Years)

4.05%

Check Before You Invest

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

Over the last 9 years, the stock has delivered a CAGR of 8.3% based on the current price.

Q.1 Which industry/sub-sector does United Credit Ltd belong to?

United Credit Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.1 Total Income growth of United Credit Ltd?

United Credit Ltd Operating Income growth is 1.18% for FY-2025, which is below its 5-year CAGR of 3.5%, indicating slower growth.

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 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 9.71%, indicating slower growth and losing its market share.

DeciZen - make an informed investing decision on United Credit

Based on:

Data

M-Cap below 100cr DeciZen not available

United Credit stock performance

Key Ratios

Is United Credit Ltd an attractive stock to invest in?

1. Is United Credit Ltd a good quality company?

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

2. Is United Credit Ltd undervalued or overvalued?

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.

3. Is United Credit Ltd a good buy now?

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.

10 Year X-Ray :

Analysis of Financial Track Record

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	1.3
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	57.2
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 ⓘ

CAGR Colour Code Guide ⓘ


	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	8.2%	21.9%	24.5%	-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	27
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	2.3

Recent Performance Summary

Total Income has increased 8.42 CAGR in last 3 years

Net Profit has increased 10.19 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 2.30%

Total income growth is poor in last 4 quarters

Latest Financials

	Standalone	Consolidated
TTM EPS (₹)	1.3	-3
TTM Sales (₹ Cr.)	2.6	11.2
BVPS (₹) ⓘ	57.2	0
Reserves (₹ Cr.) ⓘ	25	14
P/BV ⓘ	0.49	0.00
PE ⓘ	21.64	0.00

From the Market
52 Week Low / High (₹)	19.00 / 39.99
All Time Low / High (₹)	2.00 / 65.60
Market Cap (₹ Cr.)	14.9
Equity (₹ Cr.)	5.3
Face Value (₹)	10
Industry PE ⓘ	28.3

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

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

Valuation of United Credit - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

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%

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

Finance 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

Top 5 Mutual Funds Holding

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Announcements

United Credit Ltd FAQs

The current trading price of United Credit on 11-May-2026 12:29 is ₹28.79.

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 10-May-2026 the market cap of United Credit stood at ₹14.91 Cr

The latest P/E ratio of United Credit as of 10-May-2026 is 21.64.

The latest P/B ratio of United Credit as of 10-May-2026 is 0.49.

The 52-week high of United Credit is ₹39.99 and the 52-week low is ₹19.00.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of United Credit is ₹2.55 ( Cr.) .

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:

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Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
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Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
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SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
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Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
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United Credit Ltd (531091) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

United Credit Share Price