United Credit Ltd Stock Price Today (NSE: UNITDCR)
Fundamental Score
United Credit Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
United Credit Ltd share price today is ₹25.30, down 5.77% on NSE/BSE as of 3 August 2026. United Credit Ltd (UNITDCR) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹14.90 (Cr). The 52-week high for UNITDCR share price is ₹37.83 and the 52-week low is ₹19.00. At a P/E ratio of 17.32x, UNITDCR is currently trading below its industry average P/E of 22.18x. The company has a Return on Equity (ROE) of 2.83% and a debt-to-equity ratio of 0.01.
United Credit Ltd Share Price Chart — NSE/BSE Historical Performance
United Credit Ltd share price chart: 6.11% return over the past month. 52-week high ₹37.83, 52-week low ₹19.00.
United Credit Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹27.99 | ₹27.99 | ₹27.60 | ₹27.60 | 3.00 (Cr) | |
| ₹27.95 | ₹27.95 | ₹26.99 | ₹27.00 | 92.00 (Cr) | |
| ₹27.00 | ₹27.00 | ₹27.00 | ₹27.00 | 1.00 (Cr) | |
| ₹27.53 | ₹27.53 | ₹26.01 | ₹26.01 | 3.00 (Cr) | |
| ₹26.50 | ₹27.50 | ₹26.40 | ₹27.50 | 134.00 (Cr) | |
| ₹27.95 | ₹27.95 | ₹27.95 | ₹27.95 | 0.00 (Cr) | |
| ₹27.95 | ₹27.95 | ₹27.95 | ₹27.95 | 0.00 (Cr) | |
| ₹27.95 | ₹27.95 | ₹27.95 | ₹27.95 | 3.00 (Cr) | |
| ₹27.54 | ₹28.50 | ₹25.63 | ₹28.39 | 70.00 (Cr) | |
| ₹27.00 | ₹27.00 | ₹27.00 | ₹27.00 | 250.00 (Cr) |
United Credit Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹27.86 | ₹28.95 | ₹25.05 | ₹27.60 | -0.93% | |
| ₹29.98 | ₹29.98 | ₹25.00 | ₹27.86 | -7.07% | |
| ₹26.30 | ₹32.90 | ₹25.30 | ₹28.94 | +10.04% | |
| ₹22.90 | ₹30.00 | ₹21.01 | ₹26.30 | +14.85% | |
| ₹28.38 | ₹32.99 | ₹19.00 | ₹19.45 | -31.47% | |
| ₹28.71 | ₹33.98 | ₹26.06 | ₹26.91 | -6.27% | |
| ₹28.90 | ₹32.85 | ₹27.00 | ₹29.89 | +3.43% | |
| ₹31.36 | ₹37.83 | ₹27.50 | ₹28.97 | -7.62% | |
| ₹33.47 | ₹35.50 | ₹28.71 | ₹31.36 | -6.30% | |
| ₹32.00 | ₹35.94 | ₹27.90 | ₹31.69 | -0.97% | |
| ₹27.99 | ₹35.48 | ₹26.20 | ₹31.80 | +13.61% | |
| ₹32.00 | ₹32.00 | ₹26.01 | ₹27.99 | -12.53% |
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
United Credit Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
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
7 factors identified
Strong Operating Margins (38.72%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 17.32 vs Industry: 22.18)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (340.00%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
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.
Strong Interest Coverage (55.50x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk.
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 (2.83%)
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 (3.62%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Limited Growth History (2.79% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities.
Weak Earnings Growth (-0.23% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (-0.23% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
Negative Free Cash Flow (₹-0.12 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
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 vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare United Credit Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
United Credit LtdUnited Credit L...Selected✓ UNITDCR • 531091 | 38.9/100 | ₹25.30₹25 | ₹14.90₹14.90 | 17.32Average 17.3 Average | 2.83%Poor 2.83% Poor | 3.62%Poor 3.62% Poor | 0.01Excellent 0.0 Excellent | -0.23%Poor -0.23% Poor | 2.79%Average 2.79% Average | 0.00% |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 62.4/100 | ₹1141.20₹1141 | ₹635919.89₹635919.89 | 33.08Average 33.1 Average | 18.25%Good 18.25% Good | 10.87%Average 10.87% Average | 3.82Poor 3.8 Poor | 34.15%Excellent 34.15% Excellent | 25.18%Excellent 25.18% Excellent | 0.53% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.8/100 | ₹1046.70₹1047 | ₹243379.83₹243379.83 | 24.27Average 24.3 Average | 16.39%Good 16.39% Good | 11.49%Average 11.49% Average | 3.80Poor 3.8 Poor | 32.03%Excellent 32.03% Excellent | 22.54%Excellent 22.54% Excellent | 1.04% |
65.8/100 | ₹1849.90₹1850 | ₹153802.44₹153802.44 | 29.36Average 29.4 Average | 19.35%Good 19.35% Good | 9.71%Poor 9.71% Poor | 6.93Poor 6.9 Poor | 28.05%Excellent 28.05% Excellent | 26.56%Excellent 26.56% Excellent | 0.11% | |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 73.9/100 | ₹3119.60₹3120 | ₹121113.00₹121113.00 | 11.44Average 11.4 Average | 30.92%Excellent 30.92% Excellent | 15.77%Good 15.77% Good | 3.88Poor 3.9 Poor | 22.71%Excellent 22.71% Excellent | 22.03%Excellent 22.03% Excellent | 0.99% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 55.2/100 | ₹311.25₹311 | ₹78301.66₹78301.66 | 24.45Average 24.4 Average | 11.22%Average 11.22% Average | 8.40%Poor 8.40% Poor | 3.94Poor 3.9 Poor | 32.35%Excellent 32.35% Excellent | 6.05%Good 6.05% Good | 0.88% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 54.3/100 | ₹686.35₹686 | ₹62415.22₹62415.22 | 22.61Average 22.6 Average | 13.94%Average 13.94% Average | 9.09%Poor 9.09% Poor | 4.80Poor 4.8 Poor | 45.37%Excellent 45.37% Excellent | 10.99%Good 10.99% Good | 0.53% |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 43.9/100 | ₹660.15₹660 | ₹60979.59₹60979.59 | 28.14Average 28.1 Average | 14.69%Average 14.69% Average | 10.10%Average 10.10% Average | 2.80Poor 2.8 Poor | 17.08%Excellent 17.08% Excellent | 16.43%Excellent 16.43% Excellent | 0.39% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 29.5/100 | ₹4665.60₹4666 | ₹50074.63₹50074.63 | 23.75Average 23.8 Average | 15.01%Good 15.01% Good | 9.44%Poor 9.44% Poor | 4.68Poor 4.7 Poor | 12.69%Good 12.69% Good | 13.23%Good 13.23% Good | 0.89% |
23.9/100 | ₹539.30₹539 | ₹42560.25₹42560.25 | 22.04Average 22.0 Average | 13.13%Average 13.13% Average | 13.67%Average 13.67% Average | 0.23Excellent 0.2 Excellent | — — | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 54.9/100 | ₹463.55₹464 | ₹41881.04₹41881.04 | 77.14Average 77.1 Average | 5.86%Poor 5.86% Poor | 7.51%Poor 7.51% Poor | 4.68Poor 4.7 Poor | 24.33%Excellent 24.33% Excellent | 23.97%Excellent 23.97% Excellent | 0.00% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635919.89 Cr
- Shriram Finance Ltd share price243379.83 Cr
- Cholamandalam Investment and Finance Company Limited share price153802.44 Cr
- Muthoot Finance Ltd share price121113.00 Cr
- L&T Finance Ltd share price78301.66 Cr
United Credit Ltd PE Ratio History
Historical price-to-earnings ratio for UNITDCR — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2024 | ₹3.07 | ₹32.55 | 10.6x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
United Credit Ltd Quarterly Performance
Latest quarterly metrics for UNITDCR — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
2.47%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
340.00%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
2.79%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
-0.23%
Compounded annual net profit growth over 5 years
United Credit Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for UNITDCR — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
United Credit Ltd Financial Statements
Annual income statement, balance sheet and cash flow for United Credit Ltd (UNITDCR) — sourced from NSE/BSE filings.
Loading Financial Statements...
Fetching financial data for United Credit Ltd
About UNITDCR (United Credit Ltd)
United Credit Ltd is a Non-Banking Financial Company (NBFC) focused on providing various financial solutions to individuals and businesses across India. Their core business involve...s offering hire purchase and leasing options, enabling customers to acquire assets without immediate outright purchase. Additionally, they extend financial services through consumer financing, catering to the growing demand for personal loans and credit facilities, particularly within underserved segments. The company operates primarily through two distinct segments: financing activities and renting activities. The financing segment focuses on providing loans and credit facilities, while the renting segment concentrates on leasing and hire purchase agreements. This dual approach allows United Credit to serve a diverse range of customer needs, from small businesses seeking equipment financing to individuals looking for personal loans. They actively participate in investment and capital market activities, contributing to their overall financial performance. While specific market share data may fluctuate, United Credit plays a role in the Indian NBFC landscape, particularly in the eastern region. Headquartered in Kolkata, the company leverages its local expertise to offer tailored financial solutions. It strives to provide accessible and convenient financial services, contributing to economic growth at a grassroots level.
Company Details
Key Leadership
Corporate Events
UNITDCR Share Price: Frequently Asked Questions
What is the current share price of United Credit Ltd?
United Credit Ltd (UNITDCR) trades at ₹25.30 on NSE and BSE. Market cap ₹14.90 (Cr). Educational data only.
What is the P/E ratio of United Credit Ltd?
United Credit Ltd has a P/E of 17.32x vs industry average 22.18x.
What is the Bull Run score for United Credit Ltd?
United Credit Ltd has a Bull Run score of 38.9/100 based on 25+ financial parameters.
Does United Credit Ltd pay dividends?
United Credit Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of United Credit Ltd?
United Credit Ltd has ROE of 2.83%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of United Credit Ltd?
United Credit Ltd has debt-to-equity of 0.01.
Is United Credit Ltd a good investment?
Bull Run gives United Credit Ltd a score of 38.9/100. This is not investment advice — consult a SEBI-registered advisor.