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. AR · MarketPing reader · 2026-08-03
Revenue streams, as the annual report describes them. Financing Activity (81%), Renting Activity (19%). Small, debt-light NBFC with a dominant financing segment and a smaller renting line.
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 3 | 3 | 3 | 3 | 3 |
| EBITDA (ex other income) | 1 | 1 | 1 | 1 | 1 |
| margin % | 41.8 | 31.1 | 42.5 | 31.2 | 35.9 |
| Owners' profit | 1 | 1 | 2 | 1 | 1 |
| EPS, as reported (₹) | 1.42 | 1.36 | 3.07 | 1.90 | 1.61 |
| ROE % · ROCE % | 2.8 · — | 2.6 · — | 5.6 · — | 3.4 · — | 2.8 · — |
| Debt / equity (x) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from operations | 0 | 0 | 1 | (0) | (0) |
| Capex | (0) | (0) | (0) | (0) | (0) |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit before tax | 1 | 0 | (0) | 0 | 0 | 0 | 0 | 0 |
| Net profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (₹) | 0.81 | 0.51 | 0.09 | 0.47 | 0.43 | 0.30 | 0.41 | 0.36 |
| Segment | Revenue, ₹ crore | Share % |
|---|---|---|
| FINANCING ACTIVITY | 1 | 42.4 |
| RENTING ACTIVITY | 0 | 8.9 |
| Financing Activity | 1 | 39.7 |
| Renting Activity | 0 | 8.9 |
| Total, before eliminations | 3 | 100.0 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ FINANCE LIMITED | 6,43,552 | 31.7 | 5.50 | 11.6 | 16.5 | — | 25.2 | 70.7 |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 5 Sept 2026 · United Credit 55th AGM Notice and FY2025-26 Annual Report filed with BSE | board shareholder meetings | low | — | — |
| 4 Sept 2026 · Notice of 55th AGM and e-voting information | compliance | minimal | — | — |
| 3 Sept 2026 · United Credit 55th AGM notice and FY26 annual report submitted | board shareholder meetings | low | — | — |
| 18 Aug 2026 · Newspaper publication on SEBI special window for physical share transfers | compliance | minimal | — | — |
| 11 Aug 2026 · 55th AGM of United Credit Ltd set for Sep 28, 2026 via video conferencing | compliance | minimal | — | — |
| 11 Aug 2026 · United Credit publishes Q1 FY27 results in newspapers | compliance | minimal | — | — |
| 10 Aug 2026 · United Credit sets cut-off date for 55th AGM e-voting | board shareholder meetings | low | — | — |
| 10 Aug 2026 · Board approves Q1 FY27 results, 55th AGM on Sept 28 | results | high | — | — |
| 10 Aug 2026 · Board approves Q1 FY27 results, fixes 55th AGM on Sep 28 | results | high | — | — |
| 10 Aug 2026 · United Credit Q1 FY27: PAT dips 22% YoY at Rs 19.38 lakh | results | high | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions | an event is a fact; a rating is an opinion that requires SEBI RA registration |
| SHRIRAM FINANCE LIMITED | 2,42,019 | 18.1 | 3.67 | 6.7 | 15.2 | — | 22.5 | 74.7 |
| CHOLAMANDALAM IN & FIN CO | 1,57,446 | 27.2 | 5.17 | 6.9 | 17.2 | — | 26.5 | 71.2 |
| TATA CAPITAL LIMITED | 1,54,110 | 28.2 | 3.27 | 6.5 | 10.4 | — | — | 75.8 |
| MUTHOOT FINANCE LIMITED | 1,12,094 | 9.9 | 2.82 | 3.9 | 26.7 | — | 22.0 | 84.0 |
| SBI CARDS & PAY SER LTD | 62,349 | 27.4 | 3.96 | — | 13.8 | — | — | 33.1 |
| HDB FINANCIAL SERVICES L | 55,706 | 20.2 | 2.70 | — | 12.3 | — | — | 58.0 |
| SUNDARAM FINANCE LTD | 52,217 | 23.3 | 3.51 | 6.7 | 13.8 | — | — | 78.4 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 15.7 | 18.2 | 101 of 212 | 53% |
| P/B | 0.4 | 1.1 | 32 of 245 | 87% |
| ROE | 2.8 | 3.0 | 138 of 266 | 48% |
| Debt / Equity | 0.0 | 0.0 | 5 of 266 | 11% |
| EBITDA margin | 36.1 | 48.6 | 139 of 249 | 44% |
| Revenue growth | 5.0 | 12.6 | 128 of 231 | 45% |
| Profit growth | (22.5) | 7.8 | 143 of 251 | 43% |
| Market cap | 13 | 37 | 199 of 260 | 24% |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
