Net Profit/Total Funds (%) | 3.91 | 2.74 | -13.27 | 2.71 | 2.41 | 0.27 | 3.48 | 2.89 | 8.4 | 3.34 |
Key Financial Ratios
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RATIOS \ YEARS | Mar'11 | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 |
Asset Quality Ratio
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Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Capitalization Ratio
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Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Margins |
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Net Profit Margin (%) | 47 | 34.15 | -141.5 | 30.39 | 26.81 | 3.39 | 37.22 | 27.47 | 79.66 | 30.94 |
Performance Ratios
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Return on Equity (%) | 4.41 | 3.06 | -14.37 | 2.83 | 2.54 | 0.29 | 3.66 | 3.01 | 8.97 | 3.64 |
Entity | Percentage Holding |
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Promoters | 57.85% |
Institutions | 0.54% |
Non-Institutions | 41.62% |
Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
The 5-year analysis of United Credit Ltd's performance infers:
United Credit Ltd earnings have grown by 11.4%, whereas share price has depreciated -6% CAGR over the past five years, indicating the company's share price is likely undervalued. However, for specific investment actions please connect with your investment advisor.We analysed the performance of United Credit Ltd share prices over the last 10 years. Here is what we found out:
United Credit Ltd share price has depreciated -5.2% annually over the past ten years.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
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.