United Credit Ltd

United Credit Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

United Credit Ltd

₹ 32.4 -4.68%
24 Dec - close price
unitedcreditltd.com BSE: 531091
About

Incorporated in 1991, United Credit Ltd is in the business of financing and renting activities[1]

Key Points

Business Overview:[1][2]
Company is registered as a Non Systematically Important Non Deposit Taking Non Banking Financial Company and earns its revenue from interest on loan and rent. At present, company is facing difficulty in carrying on its traditional business, mainly in recovering the fund disbursed, combating competition from other big players in the market, etc. Therefore it has started exploring opportunities in segments like real estates, loan syndication and entertainment in a limited manner. Management expects that expansion of range of activities will help Company in increasing its profits in coming years

Website BSE
  • Market Cap ₹ 17.3 Cr.
  • Current Price ₹ 32.4
  • High / Low ₹ 39.2 / 18.1
  • Stock P/E
  • Book Value ₹ 38.8
  • Dividend Yield 0.00 %
  • ROCE -7.08 %
  • ROE -7.40 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Stock is trading at 0.83 times its book value

Cons

  • Company has low interest coverage ratio.
  • Working capital days have increased from 660 days to 1,098 days

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Operating Profit
OPM %
Interest
Depreciation
Profit before tax
Tax %
EPS in Rs
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2007 Mar 2008 Mar 2009
2.64 5.01 1.20
2.37 3.37 2.80
Operating Profit 0.27 1.64 -1.60
OPM % 10.23% 32.73% -133.33%
0.35 0.14 0.16
Interest 0.00 0.10 0.09
Depreciation 0.16 0.16 0.15
Profit before tax 0.46 1.52 -1.68
Tax % 36.96% 12.50% -2.98%
0.29 1.33 -1.63
EPS in Rs -3.02
Dividend Payout % 135.52% 44.32% 0.00%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -76%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -214%
Stock Price CAGR
10 Years: 5%
5 Years: 14%
3 Years: 46%
1 Year: 31%
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: -7%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2007 Mar 2008 Mar 2009
Equity Capital 6.55 6.55 6.55
Reserves 15.04 15.75 14.14
0.38 0.18 1.14
3.38 3.19 2.38
Total Liabilities 25.35 25.67 24.21
0.69 1.30 1.21
CWIP 0.97 0.00 0.00
Investments 10.61 14.61 15.68
13.08 9.76 7.32
Total Assets 25.35 25.67 24.21

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2007 Mar 2008 Mar 2009
1.97 -1.46 -1.38
0.45 -0.35 -1.29
1.26 -0.30 0.31
Net Cash Flow 3.68 -2.11 -2.36

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2007 Mar 2008 Mar 2009
Debtor Days 22.12 6.56 9.12
Inventory Days 3,577.00
Days Payable 146.00
Cash Conversion Cycle 22.12 6.56 3,440.12
Working Capital Days 666.40 214.92 1,098.04
ROCE % 7.51% -7.08%

Shareholding Pattern

Numbers in percentages

Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024
57.85% 57.85% 57.85% 57.85% 57.85% 57.85% 57.85% 57.85% 57.85% 57.31% 57.31% 57.31%
0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53% 0.53%
41.62% 41.62% 41.62% 41.62% 41.61% 41.61% 41.61% 41.62% 41.62% 42.15% 42.16% 42.16%
No. of Shareholders 2,2652,2692,2492,2372,2062,2082,2302,2472,2812,3722,4602,626

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports