United Credit Ltd Stock Analysis

BSE: 531091 | NSE: | Finance - NBFC | Small Cap

BSE Share Price Jan 21, 18:01
15.35 -0.80 (-4.95%)

DeciZen - Make an Informed Decision on United Credit

M-Cap below 100cr DeciZen not available

FAQ's

1. Is United Credit Ltd a good quality company?

Data is not available for this 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 Fair zone.

3. Is United Credit Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong 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 of United Credit:

Analysis of Financial Track Record

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

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Operating Income (₹ Cr.)2.12.21.921.82.12.42.62.92.72
YoY Gr. Rt. %-7.2%-15.6%3.2%-9.2%18.1%15.3%9.1%9.9%-6.2%-
Adj EPS (₹ ) 1.1-5.90.710.11.51.23.91.71.61.4
YoY Gr. Rt. %--645%NA34.3%-88.8%1227.3%-15.1%216.9%-57.3%-2.4%-
BVPS (₹ )44.338.438.13939.140.641.845.746.648.248.8
YoY Gr. Rt. %--13.4%-0.8%2.5%0.3%3.7%3.1%9.3%1.9%3.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)2.7-13.32.72.40.33.52.98.43.33.20

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income2.9%8.9%4%-6.2%
Adj EPS4.6%71.7%9.8%-2.4%
BVPS1%4.3%4.9%3.5%
Share Price -3.6% 4% -10.1% 39.5%

Key Financial Ratios

RATIOS \ YEARSMar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)34.2-141.530.426.83.437.227.579.730.932.237.6
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)3.1-14.42.82.50.33.7393.63.52.8

Recent Performance Summary

Total Income has increased 3.99 CAGR in last 3 years

Net Profit has increased 9.77 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 2.90%

Total income growth is poor in last 4 quarters

Latest Financials - United Credit Ltd.

Standalone Consolidated
TTM EPS (₹) 1.4 -3
TTM Sales (₹ Cr.) 2 11.2
BVPS (₹.) 48.8 0
Reserves (₹ Cr.) 21 14
P/BV 0.31 0.00
PE 11.07 0.00
From the Market
52 Week Low / High (₹) 9.01 / 17.75
All Time Low / High (₹) 2.00 / 65.60
Market Cap (₹ Cr.) 8.2
Equity (₹ Cr.) 5.3
Face Value (₹) 10
Industry PE 40.4

Management X-Ray of United Credit :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

Analyst's Notes

News

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 Hon’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:

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.

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