United Credit Ltd Stock Price Today (NSE: UNITDCR)
Fundamental Score
United Credit Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
United Credit Ltd share price today is ₹29.94, up +0.00% on NSE/BSE as of 20 February 2026. United Credit Ltd (UNITDCR) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹15.99 (Cr). The 52-week high for UNITDCR share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 19.99x, UNITDCR is currently trading below its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 3.39% and a debt-to-equity ratio of 0.01.
United Credit Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
United Credit Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
United Credit Share Price: A Conservative Value Investor's Perspective
As a conservative value investor prioritizing capital preservation, this analysis examines the "United Credit share price" of ₹29.80 through a lens of fundamental safety. A critical aspect often overlooked in Non-Banking Financial Company (NBFC) analysis is the quality of loan book underwriting, which directly dictates long-term solvency and sustainable growth. This analysis is part of an 80-parameter fundamental audit, verified by Sweta Mishra, and focuses solely on observable facts without making any buy or sell recommendations.
Currently, United Credit Ltd carries a Price-to-Earnings (PE) ratio of 19.99. While seemingly within a reasonable range, especially when compared to its sector, the Return on Capital Employed (ROCE) of 4.36% raises concerns. A low ROCE suggests the company is not efficiently deploying capital to generate profits. This directly impacts its ability to build a sustainable economic moat, making it vulnerable to competition and economic downturns. Competitors with significantly higher ROCE could potentially reinvest more aggressively, capturing market share and hindering United Credit's growth prospects.
When assessing management quality, a crucial but often subjective factor, we might contrast United Credit with peers such as
Apollo Finvest. Evaluating consistently delivered financial performance against industry averages, and comparing management commentary with actual results is crucial. While difficult to quantify directly from the provided data, this element forms a vital part of our comprehensive audit.Ultimately, a ROCE of 4.36% warrants a cautious approach. While the "United Credit share price" might appear attractive to some, a conservative investor must weigh the potential risks associated with its capital allocation efficiency. Further investigation into the company's loan book quality, cost structure, and competitive advantages is crucial before drawing any conclusions about its long-term viability and investment suitability.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
United Credit Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of UNITDCR across key market metrics for learning purposes.
Positive Indicators
4 factors identified
Strong Operating Margins (39.90%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Conservative Debt Levels (D/E: 0.01)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Balanced Promoter Holding (57.31%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
8 factors identified
Below-Average Return on Equity (3.39%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (4.36%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Profit Decline Concern (-46.51%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Revenue Contraction (-13.64%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Weak Earnings Growth (2.13% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (2.13% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
Limited Institutional Interest (FII+DII: 0.01%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
United Credit Ltd Financial Statements
Comprehensive financial data for United Credit Ltd including income statement, balance sheet and cash flow
About UNITDCR (United Credit Ltd)
United Credit Ltd (UNITDCR) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Non Banking Financial Company (NBFC) sector with a current market capitalisation of ₹15.99 (Cr). United Credit Ltd has delivered a Return on Equity (ROE) of 3.39% and a ROCE of 4.36%. The debt-to-equity ratio stands at 0.01, reflecting the company's capital structure. Investors tracking UNITDCR share price can monitor key metrics including P/E ratio, promoter holding of 57.31%, and quarterly earnings growth.
Company Details
Key Leadership
Corporate Events
UNITDCR Share Price: Frequently Asked Questions
What is the current share price of United Credit Ltd (UNITDCR)?
As of 20 Feb 2026, 06:25 am IST, United Credit Ltd share price is ₹29.94. The UNITDCR stock has a market capitalisation of ₹15.99 (Cr) on NSE/BSE.
Is UNITDCR share price Overvalued or Undervalued?
UNITDCR share price is currently trading at a P/E ratio of 19.99x, compared to the industry average of 22.03x. Based on this relative valuation, the United Credit Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of UNITDCR share price?
The 52-week high of UNITDCR share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the United Credit Ltd share price?
Key factors influencing UNITDCR share price include quarterly earnings growth (Sales Growth: -13.64%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is United Credit Ltd a good stock for long-term investment?
United Credit Ltd shows a 5-year Profit Growth of 2.13% and an ROE of 3.39%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.01 before investing in UNITDCR shares.
How does United Credit Ltd compare with its industry peers?
United Credit Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare UNITDCR share price P/E of 19.99x and ROE of 3.39% against the industry averages to determine competitive standing.
What is the P/E ratio of UNITDCR and what does it mean?
UNITDCR share price has a P/E ratio of 19.99x compared to the industry average of 22.03x. Investors pay ₹20 for every ₹1 of annual earnings.
How is UNITDCR performing according to Bull Run's analysis?
UNITDCR has a Bull Run fundamental score of 24.3/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does UNITDCR belong to?
UNITDCR operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting United Credit Ltd share price.
What is Return on Equity (ROE) and why is it important for UNITDCR?
UNITDCR has an ROE of 3.39%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently United Credit Ltd generates profits from shareholders capital.
How is UNITDCR debt-to-equity ratio and what does it indicate?
UNITDCR has a debt-to-equity ratio of 0.01, which indicates conservative financing with low financial risk.
What is UNITDCR dividend yield and is it a good dividend stock?
UNITDCR offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in United Credit Ltd shares.
How has UNITDCR share price grown over the past 5 years?
UNITDCR has achieved 5-year growth rates of: Sales Growth 5.18%, Profit Growth 2.13%, and EPS Growth 2.13%.
What is the promoter holding in UNITDCR and why does it matter?
Promoters hold 57.31% of UNITDCR shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in United Credit Ltd.
What is UNITDCR market capitalisation category?
UNITDCR has a market capitalisation of ₹16 crores, placing it in the Small-cap category.
How volatile is UNITDCR stock?
UNITDCR has a beta of N/A. A beta > 1 suggests the United Credit Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is UNITDCR operating profit margin trend?
UNITDCR has a 5-year average Operating Profit Margin (OPM) of 39.90%, indicating the company's operational efficiency.
How is UNITDCR quarterly performance?
Recent quarterly performance shows United Credit Ltd YoY Sales Growth of -13.64% and YoY Profit Growth of -46.51%.
What is the institutional holding pattern in UNITDCR?
UNITDCR has FII holding of 0.00% and DII holding of 0.01%. Significant institutional holding often suggests professional confidence in the United Credit Ltd stock.