Please find the unaudited financial results for the 2nd qtr and half year ended on September 30, 2025 along with Auditors Report thereon.
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United Credit Limited (BSE: 531091) announced its unaudited Q2 FY26 and H1 FY26 results for the period ended September 30, 2025. Q2 FY26 total income stood at ₹89.44 lakhs with a profit after tax of ₹25.00 lakhs (EPS of ₹0.43). H1 FY26 PAT came in at ₹69.31 lakhs versus ₹89.31 lakhs in H1 FY25, a decline of roughly 22%. Revenue from operations in Q2 fell sharply to ₹87.67 lakhs from ₹174.29 lakhs in Q2 FY25, a drop of nearly 50%, driven by lower interest income. Statutory auditor L.B. Jha & Co. issued a clean (unqualified) limited review report with no qualifications or emphasis of matter. However, the company reported negative operating cash flow of (₹21.46) lakhs for H1 FY26, and cash balances declined to ₹48.98 lakhs from ₹54.35 lakhs at the start of the year.
Sharp year-on-year decline in Q2 revenue and profits, combined with negative operating cash flow, is likely to pressure near-term sentiment despite the clean auditor opinion and stable balance sheet. Investors should watch for sustained recovery in the lending/financing segment which drives most of the company's income.