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BSE: 531091 | NSE: | Finance - NBFC | Small Cap
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 Fair 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.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 2.2 | 1.9 | 2 | 1.8 | 2.1 | 2.4 | 2.6 | 2.9 | 2.7 | 2.7 | 2 | |
| YoY Gr. Rt. % | - | -15.6% | 3.2% | -9.2% | 18.1% | 15.3% | 9.1% | 9.9% | -6.2% | -0.4% | - | |
| Adj EPS (₹ ) | -5.9 | 0.7 | 1 | 0.1 | 1.5 | 1.2 | 3.9 | 1.7 | 1.6 | 1.4 | 1.5 | |
| YoY Gr. Rt. % | - | NA | 34.3% | -88.8% | 1227.3% | -15.1% | 216.9% | -57.3% | -2.4% | -13.4% | - | |
| BVPS (₹ ) | 38.4 | 38.1 | 39 | 39.1 | 40.6 | 41.8 | 45.7 | 46.6 | 48.2 | 49.7 | 50.7 | |
| YoY Gr. Rt. % | - | -0.8% | 2.5% | 0.3% | 3.7% | 3.1% | 9.3% | 1.9% | 3.5% | 3% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | -13.3 | 2.7 | 2.4 | 0.3 | 3.5 | 2.9 | 8.4 | 3.3 | 3.2 | 2.7 | 0 | |
CAGR ⓘCAGR Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | 2.1% | 5.3% | 0.9% | -0.4% | ||||||||
| Adj EPS | NA | -0.6% | -28.8% | -13.4% | ||||||||
| BVPS | 2.9% | 4.1% | 2.8% | 3% | ||||||||
| Share Price | 4.6% | -4.5% | -6.7% | -7% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | 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 (%) | -141.5 | 30.4 | 26.8 | 3.4 | 37.2 | 27.5 | 79.7 | 30.9 | 32.2 | 28 | 39.1 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | -14.4 | 2.8 | 2.5 | 0.3 | 3.7 | 3 | 9 | 3.6 | 3.5 | 2.9 | 3 | |
Total Income has increased 0.88 CAGR in last 3 years
Total income growth is good in last 4 quarters
Return on Equity has declined versus last 3 years average to 3.10%
Net Profit has declined -28.78 CAGR in last 3 years
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 1.5 | -3 |
| TTM Sales (₹ Cr.) | 2.1 | 11.2 |
| BVPS (₹.) ⓘ | 50.7 | 0 |
| Reserves (₹ Cr.) ⓘ | 22 | 14 |
| P/BV ⓘ | 0.26 | 0.00 |
| PE ⓘ | 8.49 | 0.00 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 9.65 / 28.24 |
| All Time Low / High (₹) | 2.00 / 65.60 |
| Market Cap (₹ Cr.) | 7 |
| Equity (₹ Cr.) | 5.3 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 22.3 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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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