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On 6 Nov 2026, United Credit was priced at ₹21.00, or 14.0× trailing earnings, and the shares are 44% below their 52-week high. Net profit grew 5.8% a year over 3 years; its ROE of 2.8% is the lowest among the 7 largest Credit Services peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 0.36× book value. It is a small-cap company with a market cap of ₹11 Cr, ranked 164th of 193 Credit Services companies by market cap; the shares fell 33% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Jun 2026.How we calculate this

past year
Open
₹21.00
Day high
₹21.00
Day low
₹21.00
Prev. close
₹21.00
Volume
12

Health check

1 good · 4 to check
  • ReturnsBehind

    −33.4% over a year, better than 1 of 7 peers.

  • Price tagCheaper

    P/B 0.36 vs peer median 2.62.

  • GrowthSlow

    Profit +5.8% a year over 3 years.

  • ProfitabilityWeak

    ROE 2.8% vs peer median 18.7%.

  • Balance sheetn/a

    Asset quality (bad loans) isn’t in our data.

  • Red flags3 to check

    Return on equity is low at 2.8%.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Small cap

₹11 Cr, #164 of 193 in its industry by size.

Defensive

Beta 0.61 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Jun 2026: sales ₹3 Cr · profit ₹1 Cr
Market cap
₹11 Cr
Small cap
P/E
14.0
Industry 15.9
Price to book
0.36
Peers 2.62
Dividend yield
0.00%
ROE
2.8%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹1.50
OPM (TTM)
32.7%
Net margin 25.7%
Sales growth
n/m
Not meaningful for lenders
Profit growth
−22.5%
Latest quarter vs a year ago
Price to sales
3.59

Strengths and risks

Risks to check

  • Return on equity is low at 2.8%.
  • Quarterly profit down 22.5% on a year ago.
  • 44% below its 52-week high.

No standout strengths in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About United Credit

United Credit Limited, a non-banking financial company, provides hire purchase, leasing, and other financial services in India. The company operates in two segments, Financing Activity and Renting Activity. It also engages in consumer financing, investment, and capital market operations. United Credit Limited was formerly known as United India Credit and Development Company Limited and changed its name to United Credit Limited in January 1981. The company…

Headquarters
Kolkata
Employees
7
Sector
Financial Services
ISIN
INE858C01027
Website
unitedcreditltd.com

Price range

52 weeks

₹19.00₹37.83

Today

₹21.00₹21.00
Avg volume (3M)
685
1-year return
minus 33.4%
From 52-week high
minus 44.5%

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.79%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.06%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.98%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.75%minus 34.4%
UNITDCRUnited Credit21.000.00%1114.00.362.8%–5.8%0.00%minus 33.4%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.06%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Sep 25Dec 25Mar 26Jun 26
0.70.70.80.80.8
0.50.40.60.50.6
0.30.30.20.30.2
37.2%41.3%26.7%34.9%27.6%
0.10000.1
00000
0−0000
0.30.30.20.30.2
21.7%22.2%18.8%21.6%20.7%
0.30.20.20.20.2
0.470.430.300.410.36

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+5.8%
EPS CAGR 3Y
+5.8%
ROE
2.8%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
2.93.33.63.1
–+16.8%+8.3%minus 13.6%
1.91.921.9
11.41.61.2
34.7%42.2%43.6%38.4%
−00.700
0.10.10.10.1
−00−0.20
0.92.11.31.1
16.5%21.2%22.1%21.3%
0.71.610.9
–+125.8%minus 38.0%minus 15.5%
1.363.071.901.61

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
5.55.55.55.5
21.923.524.525.4
0.10.10.10.3
1.20.80.50.4
28.729.930.631.6
0.20.20.30.4
0.30.420.1
0.40.90.60.6
27.828.427.830.4
28.729.930.631.6

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
0.30.5−0.4−0.3
−0.1−000.2
0.1−0.10.10.1
0.30.5−0.30
−0.2−0−0.2−0.3
0.10.5−0.6−0.5

Shareholding pattern

This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.

Major shareholders

BSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you