United Credit Peer Comparison

BSE: 531091

₹23.15

₹-1.21 (-4.97%)

As on 23-Sep-2026IST

Market cap

₹12 Cr

Revenue (TTM)

₹3 Cr

P/E Ratio

15.4

P/B Ratio

0.4

Div. Yield

0 %

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	United Credit	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Market cap (₹ Cr)	12	33,815	29,843	25,473	21,302
Revenue (₹ Cr)	3	404	10,285	5,303	6,380
Net Profit (₹ Cr)	0.80	305.93	1,445.41	1,127.63	1,210.84
Net Margin (%)	24.56	74.72	14.02	21.20	18.97
RoE (%)	2.61	1.41	10.08	16.25	16.14
Price to Earnings	15.40	78.48	20.59	22.59	17.59
Price-To-Book	0.40	1.15	1.86	3.39	2.58

Income Statement (₹ Cr)

	United Credit	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Operating Income	3.44	305.08	10,011.20	3,247.93	5,752.33
Other Income	0.31	1.13	19.94	3.06	3.81
Total Income	3.74	306.22	10,031.14	3,250.99	5,756.14
Interest Expense	0.01	0.16	3,540.93	1,273.78	1,954.98
PBT & Exceptional Items	1.30	265.52	1,665.63	633.32	708.87
Operating Expenses	2.36	38.87	4,557.21	1,242.18	3,030.07
Exceptional Income/Expenses	--	--	--	--	--
Profit before Tax	1.30	368.47	1,665.63	633.32	708.87
Taxes	0.29	56.38	461.76	154.79	177.47
Profit after Tax	1.01	312.09	1,203.87	478.53	531.40
Minority Interest	--	--	16.68	--	--
Share of Associate	--	--	--	--	--
Consolidated Profit	1.01	312.09	1,216.15	478.53	531.40

	United Credit	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Shareholder's Funds	29.98	31,090.77	12,432.19	4,304.10	6,955.97
Minority Interest	--	--	16.68	--	--
Non-Current Liabilities	0.26	3,937.57	16,817.88	12,012.16	10,906.12
Current Liabilities	0.17	72.05	24,908.37	5,084.86	11,117.30
Total Liabilities	30.89	35,100.39	54,550.48	21,485.87	29,334.64

	United Credit	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Non-Current Assets	10.23	34,144.57	44,123.36	19,271.23	26,187.41
Current Assets	20.19	955.82	10,051.76	2,129.90	2,791.98
Total Assets	30.89	35,100.39	54,550.48	21,485.87	29,334.64
Contingent Liabilities	--	--	196.39	7.21	4.00

	United Credit	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Cash From Operating Activities	-0.44	206.21	-466.57	-4,312.62	1,125.24
Cash Flow from Investing Activities	0.04	-165.99	-124.80	61.87	708.34
Cash from Financing Activities	0.06	-142.63	1,132.34	5,117.65	-1,669.38
Net Cash Inflow / Outflow	-0.34	-102.41	540.97	866.90	164.20

	United Credit	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
ROCE (%)	4.43	1.21	11.25	11.18	9.55
ROE (%)	3.46	1.02	10.04	11.86	7.90
ROA (%)	3.36	0.92	2.39	2.59	1.80
EBIT Margin (%)	40.15	87.63	54.68	61.85	47.39
Net Margin (%)	27.08	101.92	12.00	14.72	9.23
Cash Profit Margin (%)	31.53	102.84	14.70	17.87	10.32

	United Credit	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Revenue Growth (%)	1.19	-20.37	13.15	40.42	11.34
EBIT Growth (%)	-35.95	-24.27	-9.84	55.60	-26.89
Net Profit Growth (%)	-38.01	-18.93	-45.22	71.27	-63.25
EPS Growth (%)	-38.01	-18.93	-44.43	71.23	-63.33
Book Value Growth (%)	3.45	3.76	7.66	12.13	5.63

	United Credit	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Price / Earnings	16.32	10.24	16.19	29.37	28.63
Price / Book Value	0.55	1.03	1.58	3.29	2.20
Dividend Yield (%)	0.00	0.43	1.72	0.12	0.00
EV/EBITDA	11.70	119.45	9.40	13.99	12.59
Market Cap (₹ Cr)	16.54	31,951.18	19,684.03	14,056.08	15,214.34

	United Credit	Tata Investment	Manappuram Finance	Capri Global	CreditAccess Grameen
Debt to Equity	0.01	0.00	2.85	3.65	2.96
Short term debt to equity ratio	--	--	1.53	0.98	1.50
Current Ratio	115.48	13.27	0.40	0.42	0.25
Quick Ratio	115.48	13.27	0.40	0.42	0.25
Interest Coverage	150.59	2,306.84	1.47	1.50	1.36

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