United Credit Financials

BSE: 531091

₹22.60

₹0.00 (0.00%)

As on 07-Sep-2026IST

Market cap

₹12 Cr

Revenue (TTM)

₹3 Cr

P/E Ratio

15

P/B Ratio

0.4

Div. Yield

0 %

Income Statement (₹ Cr)	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16
Operating Income	3.14	3.44	3.40	2.90	2.70	2.71
Other Income	0.12	0.31	0.71	0.03	0.17	0.07
Total Income	3.26	3.74	4.11	2.92	2.87	2.78
Interest Expense	0.02	0.01	0.01	0.01	0.00	0.00
Operating Expenses	2.08	2.36	1.95	2.00	1.57	1.56
Exceptional Income/Expenses	--	--	--	--	--	--
Profit before Tax	1.02	1.30	2.08	0.87	1.28	1.20
Taxes	0.21	0.29	0.44	0.14	0.52	0.32
Profit after Tax	0.80	1.01	1.64	0.72	0.75	0.87
Minority Interest	--	--	--	--	--	--
Share of Associate	--	--	--	--	--	--
Consolidated Profit	0.80	1.01	1.64	0.72	0.75	0.87

Liabilities (₹ Cr)	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16
Shareholder's Funds	30.86	29.98	28.99	27.34	26.63	25.87
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	0.09	0.26	0.65	0.49	0.83	0.91
Current Liabilities	0.61	0.17	0.21	0.65	0.41	0.40
Total Liabilities	31.56	30.89	30.36	28.95	28.29	27.55

Assets (₹ Cr)	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16
Non-Current Assets	0.94	10.23	10.36	10.50	10.97	10.86
Current Assets	22.76	20.19	19.49	17.99	16.90	16.31
Total Assets	31.56	30.89	30.36	28.95	28.29	27.55
Contingent Liabilities	--	--	--	--	--	0.69

Cashflow (₹ Cr)	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16
Cash From Operating Activities	--	-0.44	0.53	0.31	0.41	0.94
Cash Flow from Investing Activities	--	0.04	0.00	-0.13	-0.44	0.00
Cash from Financing Activities	--	0.06	-0.05	0.13	--	-0.87
Net Cash Inflow / Outflow	--	-0.34	0.47	0.30	-0.03	0.06

Financials Ratios	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16
Adjusted EPS (₹)	1.50	1.90	3.07	1.36	1.42	1.64
Cash EPS (₹)	1.50	2.03	3.20	1.46	1.45	1.69
Adjusted Book Value (₹)	57.97	55.96	54.09	51.01	49.68	48.24
Dividend per Share (₹)	--	--	--	--	--	--
Cash Flow per Share (₹)	--	-0.82	0.99	0.58	0.78	1.76
Free Cash Flow per Share (₹)	--	-0.97	0.44	0.13	0.25	1.11

Profitability Ratios	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16
ROCE (%)	--	4.43	7.38	3.23	4.87	4.71
ROE (%)	2.61	3.46	5.84	2.70	2.89	3.46
ROA (%)	2.58	3.36	5.61	2.57	2.74	3.22
EBIT Margin (%)	29.20	29.16	40.53	29.16	41.15	41.68
Net Margin (%)	24.56	27.08	39.84	24.76	26.32	31.43
Cash Profit Margin (%)	0.00	31.53	50.16	26.93	28.67	33.18

Growth Ratios	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16
Revenue Growth (%)	-5.10	1.19	17.29	7.39	-0.62	-6.24
EBIT Growth (%)	-8.66	-27.22	63.02	-23.88	-1.87	1.13
Net Profit Growth (%)	-5.48	-38.01	125.85	-3.96	-13.70	-2.37
EPS Growth (%)	-19.82	-38.01	125.84	-3.96	-13.70	-2.37
Book Value Growth (%)	--	3.45	6.04	2.69	2.98	3.56

Valuation Ratios	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16
Price / Earnings	15.03	16.32	6.45	9.62	9.43	6.69
Price / Book Value	0.39	0.55	0.37	0.26	0.27	0.23
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	9.98	11.70	4.52	7.18	5.39	4.65
Close Price (₹)	27.86	31.05	19.79	13.07	13.35	10.97
High Price (₹)	37.83	43.00	30.06	28.24	17.75	16.80
Low Price (₹)	19.00	18.55	11.84	9.65	9.01	8.11
Market Cap (₹ Cr)	12.04	16.54	10.54	6.96	7.11	5.84

Solvency Ratios	TTM	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17	Mar-16
Debt to Equity	--	0.01	0.00	0.00	--	--
Short term debt to equity ratio	--	--	--	--	--	--
Current Ratio	37.20	115.48	94.14	27.67	41.14	40.87
Quick Ratio	37.20	115.48	94.14	27.67	41.14	40.87
Interest Coverage	49.33	150.59	229.22	126.64	--	2,761.87

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.