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Companies›Financial Services›Financial Services›Finance

UNITED CREDIT LTD.

Financial Services › Finance
₹20.00
at close · 27 Oct 2026
▲ 0.00 (+0.00%)

Latest filings

  1. Quarterly compliance certificate under SEBI Reg 74(5) for Sep 2026 quarter · Compliance
  2. United Credit 55th AGM - Both Resolutions Passed Unanimously · Board & Shareholder Meetings
  3. Trading window closed from Oct 1 until 48 hours after Q2 FY27 results · Compliance
All filings ↓
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Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Operates as a non-banking financial company earning most of its income from financing activity, with a secondary renting line alongside. In FY26, financing activity contributed ₹2.5271 crore (81.3% of segment revenue) and renting activity added ₹0.5794 crore (18.7%); the Q3 FY26 results commentary notes that interest income from the financing book is the main revenue driver. The financing segment runs at a 98.4% EBIT margin, while renting is much thinner at 8.8%. The company carries no reported debt (debt-to-equity 0.0) and held ₹31.56 crore in total assets at FY26 year-end. Employee cost of ₹0.7405 crore (23.8% of revenue) and other operating expenses of ₹1.2349 crore (39.8% of revenue) are the main cost lines; capex was ₹0.2796 crore (9.0% of revenue). Listed on BSE (scrip code 531091) and headquartered in Kolkata.

Revenue mix · reported segments
Financing Activity81.3%
Renting Activity18.7%
Operating scale
Total assets
₹31.56 croreFY26
Financing segment revenue
₹2.5271 croreFY26
Renting segment revenue
₹0.5794 croreFY26
Financing segment EBIT margin
98.4%FY26
Renting segment EBIT margin
8.8%FY26
Capex
₹0.2796 crore (9.0% of revenue)FY26
Who pays it
Borrowers on its financing book and tenants under its renting arrangements.
Biggest cost
Employee and other operating expenses, with employee cost at 23.8% of revenue.
Kind of business
Small, debt-light NBFC with a dominant financing segment and a smaller renting line.
Where it sits
BSE-listed, Kolkata-headquartered NBFC with total assets of ₹31.56 crore as of FY26.
Market Cap
₹11 Cr
P / E (TTM)
13.3×
EV / EBITDA
—
Div Yield
—
Growth
2.8%▲
Revenue 5y CAGR
PAT -0.4% · EBITDA +0.2%
Quality
—·
ROCE (FY26)
ROE 2.8% (5y median) · margin 39.9%
Leverage
—·
Debt / Equity · not read for a lender
Revenue FY21→FY26
1.1×▲
Margin −4.6 pts
₹3 Cr → ₹3 Cr
Moves on a normal day
3.12%·
Median daily move
Last 241 sessions · the yardstick for filing-day moves
Where it sits among 272 Non Banking Financial Company (NBFC) peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#82/200
P/B#34/253
ROE#134/257
EBITDA margin#139/249
Revenue growth#128/231
Profit growth#143/251

Scorecard

Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice

Strengths
Nothing stands out in the filed numbers.
Concerns
Slow revenue growth — 3% a year over 5 years
Profit shrinking over 5 years (0% a year)
Erratic profits — up in only 1 of the last 5 years

Charts

How has the market priced it — with filings on the timeline?

Price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from UNITED CREDIT LTD.'s filed financials and exchange disclosures

What does UNITED CREDIT LTD. do?

UNITED CREDIT LTD. is a Finance company listed on BSE.

Is UNITED CREDIT LTD. profitable?

Yes. Over the trailing twelve months UNITED CREDIT LTD. reported a net profit of ₹0.80 Cr on revenue of ₹3.14 Cr.

Does UNITED CREDIT LTD. pay a dividend?

Not in the latest reported year — UNITED CREDIT LTD.'s dividend payout for FY26 was nil.

Is UNITED CREDIT LTD. expensive compared with its peers?

On trailing P/E, UNITED CREDIT LTD. ranks 82 of 200 in Non Banking Financial Company (NBFC) — cheaper than 59% of them, against an industry median of 18.1×. This is a position, not a valuation judgement.

How much does the UNITED CREDIT LTD. share price move in a day?

On a typical session UNITED CREDIT LTD. moves 3.12% — that is the median absolute close-to-close move across its last 241 trading days. MarketPing measures each filing's price reaction against it.

Where can I track UNITED CREDIT LTD.'s announcements?

Every NSE and BSE filing by UNITED CREDIT LTD. appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.