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United Credit

  • Market Cap: Micro Cap
  • Industry: Finance/NBFC
  • ISIN: INE858C01027
  • NSEID:
  • BSEID: 531091
INR
33.95
2.54 (8.09%)
BSENSE

Apr 11, 12:36 PM

BSE+NSE Vol: 612

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

29.6033.95

52 Week

18.5543.00
Valuation
Technical
Day's Volume

CASH

612 (48.33%) Volume

Shareholding (Dec 2024)

FII

0.00%

Held by 0 FIIs

DII

0.53%

Held by 0 DIIs

Promoter

57.31%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 3.76%

  • Poor long term growth as Operating profit has grown by an annual rate of -13.23%
2

Flat results in Dec 24

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Finance/NBFC

stock-summary
Market cap

INR 18 Cr (Micro Cap)

stock-summary
P/E

12.00

stock-summary
Industry P/E

20

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

4.65%

stock-summary
Price to Book

0.56

Revenue and Profits (1 Year):
Net Sales:
1 Cr
(Quarterly Results - Dec 2024)
Net Profit:
0 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (0%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
15.08%
0%
15.08%
1 Year
34.51%
0%
34.51%
2 Years
160.35%
0%
160.35%
3 Years
152.42%
0%
152.42%
4 Years
239.5%
0%
239.5%
5 Years
122.62%
0%
122.62%

Latest dividend: 0.7 per share ex-dividend date: Sep-19-2019

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
4.71%
EBIT Growth (5y)
-13.23%
Net Debt to Equity (avg)
0
Institutional Holding
0.53%
ROE (avg)
3.76%
Valuation key factors
Factor
Value
P/E Ratio
12
Industry P/E
20
Price to Book Value
0.56
EV to EBIT
10.87
EV to EBITDA
10.45
EV to Capital Employed
0.55
EV to Sales
4.44
PEG Ratio
0.13
Dividend Yield
NA
ROCE (Latest)
4.87%
ROE (Latest)
4.65%
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 0 Schemes

FIIs

Held by 0 FIIs

Promoter with highest holding

Dabriwala Banijya Udyog Limited (43.16%)

Highest Public shareholder

United Nanotech Products Limited (13.93%)

Individual Investors Holdings

22.98%

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 1.14% vs 1.15% in Sep 2024",
        "dir": -1
      },
      {
        "prefix": "Standalone Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is -37.21% vs 65.38% in Sep 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "0.89",
          "val2": "0.88",
          "chgp": "1.14%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "0.38",
          "val2": "0.38",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Interest",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Standalone Net Profit",
          "val1": "0.27",
          "val2": "0.43",
          "chgp": "-37.21%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "42.70%",
          "val2": "43.18%",
          "chgp": "-0.48%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": " Growth in half year ended Sep 2024 is 8.75% vs 12.68% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Standalone Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 35.29% vs 64.52% in Sep 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "1.74",
          "val2": "1.60",
          "chgp": "8.75%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "0.65",
          "val2": "0.63",
          "chgp": "3.17%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "0.00",
          "val2": "0.01",
          "chgp": "-100.00%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Standalone Net Profit",
          "val1": "0.69",
          "val2": "0.51",
          "chgp": "35.29%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "37.36%",
          "val2": "39.38%",
          "chgp": "-2.02%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 7.79% vs 13.49% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Standalone Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is -20.66% vs 120.00% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "2.63",
          "val2": "2.44",
          "chgp": "7.79%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1.03",
          "val2": "0.95",
          "chgp": "8.42%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "0.00",
          "val2": "0.01",
          "chgp": "-100.00%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Standalone Net Profit",
          "val1": "0.96",
          "val2": "1.21",
          "chgp": "-20.66%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "39.16%",
          "val2": "38.93%",
          "chgp": "0.23%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Mar 2024 is 17.24% vs 7.41% in Mar 2023",
        "dir": 1
      },
      {
        "prefix": "Standalone Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 127.78% vs -4.00% in Mar 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "3.40",
          "val2": "2.90",
          "chgp": "17.24%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1.44",
          "val2": "0.90",
          "chgp": "60.00%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "0.01",
          "val2": "0.01",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Standalone Net Profit",
          "val1": "1.64",
          "val2": "0.72",
          "chgp": "127.78%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "42.35%",
          "val2": "31.03%",
          "chgp": "11.32%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Standalone) - Dec'24 - QoQstock-summary
Dec'24
Sep'24
Change(%)
Net Sales
0.89
0.88
1.14%
Operating Profit (PBDIT) excl Other Income
0.38
0.38
Interest
0.00
0.00
Exceptional Items
0.00
0.00
Standalone Net Profit
0.27
0.43
-37.21%
Operating Profit Margin (Excl OI)
42.70%
43.18%
-0.48%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

QoQ Growth in quarter ended Dec 2024 is 1.14% vs 1.15% in Sep 2024

Direction Arrows
Standalone Net Profit

QoQ Growth in quarter ended Dec 2024 is -37.21% vs 65.38% in Sep 2024

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Standalone) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Net Sales
1.74
1.60
8.75%
Operating Profit (PBDIT) excl Other Income
0.65
0.63
3.17%
Interest
0.00
0.01
-100.00%
Exceptional Items
0.00
0.00
Standalone Net Profit
0.69
0.51
35.29%
Operating Profit Margin (Excl OI)
37.36%
39.38%
-2.02%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

Growth in half year ended Sep 2024 is 8.75% vs 12.68% in Sep 2023

Direction Arrows
Standalone Net Profit

Growth in half year ended Sep 2024 is 35.29% vs 64.52% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Standalone) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
2.63
2.44
7.79%
Operating Profit (PBDIT) excl Other Income
1.03
0.95
8.42%
Interest
0.00
0.01
-100.00%
Exceptional Items
0.00
0.00
Standalone Net Profit
0.96
1.21
-20.66%
Operating Profit Margin (Excl OI)
39.16%
38.93%
0.23%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in nine months ended Dec 2024 is 7.79% vs 13.49% in Dec 2023

Direction Arrows
Standalone Net Profit

YoY Growth in nine months ended Dec 2024 is -20.66% vs 120.00% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Standalone) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Net Sales
3.40
2.90
17.24%
Operating Profit (PBDIT) excl Other Income
1.44
0.90
60.00%
Interest
0.01
0.01
Exceptional Items
0.00
0.00
Standalone Net Profit
1.64
0.72
127.78%
Operating Profit Margin (Excl OI)
42.35%
31.03%
11.32%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in year ended Mar 2024 is 17.24% vs 7.41% in Mar 2023

Direction Arrows
Standalone Net Profit

YoY Growth in year ended Mar 2024 is 127.78% vs -4.00% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About United Credit Ltd stock-summary
stock-summary
United Credit Ltd
Micro Cap
Finance/NBFC
United Credit Limited (Formerly known as United India Credit & Development Company Limited) was formed in 1970 upon nationalization of the then "United Bank of India Ltd." Consequent upon nationalization of the banking sector, the undertaking of UBIL became vested in the corresponding new Bank, United Bank of India (UBIL) and as per Scheme of Amalgamation approved by the Hon'ble High Court at Calcutta by an Order dated 23.8.
Company Coordinates stock-summary
Company Details
27B Camac Street, 8th Floor Kolkata West Bengal : 700016
stock-summary
Tel: 91-033-22879359/9360
stock-summary
http://www.unitedcreditltd.com
stock-summary
unitedcredit@vsnl.com
Registrar Details
CB Management Services Pvt Ltd , (Formerly Choksey Bhargava & Co Ltd) , P-22, P 22 Bondel Road, Calcutta
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