Please find the Unaudited financial results for the 2nd and half year ended on September 30 , 2025 along with limited review report thereon.

Revenue growth above 20%Profit growth above 25%EBITDA margin expansionNegative operating cash flowResults View source PDF Explain this filing

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Price reactionminutes from the announcement price · days from the prior close

+4.6%Reaction day

₹30.49

prior close

₹30.92

announcement price

In-mkt

timing

Nifty Microcap 250market · in no size index; the smallest one is used+0.9%+3.7% vs market

Non Banking Financial Company (NBFC) peers, median of 205sector+0.2%+4.3% vs sector

On the reaction day the stock moved 3.7 pts more than Nifty Microcap 250 and 4.3 pts more than its Non Banking Financial Company (NBFC) peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

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Reaction day

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Next day

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UpDownMarket · Nifty Microcap 250Sector · Non Banking Financial Company (NBFC) peers, median of 205Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

United Credit Limited reported a strong performance for Q2 FY26 with revenue from operations rising to ₹114.49 lakhs from ₹59.88 lakhs in Q2 FY25, nearly doubling year-on-year. Half-yearly revenue grew about 69% to ₹226.31 lakhs versus ₹133.60 lakhs in H1 FY25. Profit after tax for Q2 FY26 stood at ₹38.95 lakhs (vs ₹15.09 lakhs), while H1 FY26 PAT jumped to ₹69.31 lakhs from ₹23.63 lakhs, a ~193% increase. Profit before tax for the half year rose to ₹89.32 lakhs (vs ₹30.14 lakhs). Basic EPS for H1 FY26 was ₹12.06 vs ₹4.37 in the prior period. The auditor (L.B. Jha & Co.) issued an unqualified limited review report with no qualifications or emphasis of matter. However, net cash used in operating activities was sharply negative at ₹(353.76) lakhs in H1 FY26 vs ₹(31.40) lakhs in H1 FY25, indicating working capital pressures.

Likely market impact

Strong top-line and bottom-line growth signals improving business momentum, likely positive for the stock. However, the steep deterioration in operating cash flow is a concern worth monitoring, as profits are not yet converting into cash.