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United Credit Key Ratios

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BSE: 531091

₹22.59

up-down-arrow ₹1.02 (4.73%)

As on 02-Sep-2026IST

Market cap

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₹12 Cr

Revenue (TTM)

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₹3 Cr

P/E Ratio

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15

P/B Ratio

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0.4

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue -6.14 4.99 -5.10 2.01 2.31
EBIT -24.23 -25.10 -8.66 -4.20 -4.88
Net Profit -11.06 -22.49 -5.48 2.32 2.17
EPS -11.04 -22.48 -19.82 -1.45 -2.82
Book Value -- -- 3.45 4.05 3.73
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-25Mar-24
EBIT-Margin info 32.9536.3429.2029.1640.53
Net Margin info 30.5629.8924.5627.0839.84
Return on equity info 4.003.672.613.465.84
Return on Assets info 3.853.502.583.365.61

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
--
4.43
7.38
3.23
4.87
Peer Median
--
10.60
9.14
6.69
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

2.61

Lower than Peers by 6.05

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
2.61
3.46
5.84
2.70
2.89
Peer Median
8.66
10.78
8.66
3.91
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

2.58

Lower than Peers by 0.03

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
2.58
3.36
5.61
2.57
2.74
Peer Median
2.61
3.50
2.67
1.71
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

29.20

Lower than Peers by 41.01

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
29.20
29.16
40.53
29.16
41.15
Peer Median
70.21
61.18
97.28
57.74
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

24.56

Higher than Peers by 0.58

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
24.56
27.08
39.84
24.76
26.32
Peer Median
23.98
26.68
51.92
19.92
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

0.00

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
0.00
31.53
50.16
26.93
28.67
Peer Median
--
--
0.00
0.00
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

-5.10

Lower than Peers by 24.04

Year on year growth in net sales

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
-5.10
1.19
17.29
7.39
-0.62
Peer Median
18.94
17.06
34.70
13.78
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

-8.66

Lower than Peers by 26.33

Year on year growth in operating profit (EBIT)

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
-8.66
-27.22
63.02
-23.88
-1.87
Peer Median
17.68
15.67
38.04
29.81
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

-5.48

Lower than Peers by 24.13

Year on year growth in profit after tax

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
-5.48
-38.01
125.85
-3.96
-13.70
Peer Median
18.65
11.48
49.18
49.38
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

-19.82

Lower than Peers by 27.47

Year on year growth in earnings per share

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
-19.82
-38.01
125.84
-3.96
-13.70
Peer Median
7.65
-3.51
50.00
46.43
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

--

--

Year on year growth in book value per share

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
--
3.45
6.04
2.69
2.98
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
--
0.01
0.00
0.00
--
Peer Median
--
2.00
1.60
0.41
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

37.20

Higher than Peers by 35.72

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
37.20
115.48
94.14
27.67
41.14
Peer Median
1.47
4.14
2.82
3.70
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

37.20

Higher than Peers by 35.74

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
37.20
115.48
94.14
27.67
41.14
Peer Median
1.46
1.54
1.36
1.66
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

49.33

Higher than Peers by 47.39

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
49.33
150.59
229.22
126.64
--
Peer Median
1.94
1.98
2.17
2.17
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

15.03

Lower than Peers by 7.33

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
15.03
16.32
6.45
9.62
9.43
Peer Median
22.36
20.09
19.35
28.54
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

0.39

Lower than Peers by 1.57

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
0.39
0.55
0.37
0.26
0.27
Peer Median
1.96
1.53
1.83
1.10
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
--
--
--
--
--
Peer Median
0.12
0.05
0.16
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

9.97

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
9.97
11.70
4.52
7.18
5.39
Peer Median
--
13.42
23.06
17.63
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

12

Lower than Peers by 9,006

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
United Credit
12
17
11
7
7
Peer Median
9,019
3,133
4,482
525
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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