United Credit Limited, a non-banking financial company, provides hire purchase, leasing, and other financial services in India.
Flawless balance sheet and fair value.
Share Price & News
How has United Credit's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 531091's share price has been volatile over the past 3 months.
7 Day Return
IN Consumer Finance
1 Year Return
IN Consumer Finance
Return vs Industry: 531091 underperformed the Indian Consumer Finance industry which returned -1.8% over the past year.
Return vs Market: 531091 underperformed the Indian Market which returned 1.6% over the past year.
Price Volatility Vs. Market
How volatile is United Credit's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is United Credit undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate 531091's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate 531091's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: 531091 is good value based on its PE Ratio (7.1x) compared to the IN Consumer Finance industry average (11.1x).
PE vs Market: 531091 is good value based on its PE Ratio (7.1x) compared to the Indian market (13.2x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 531091's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: 531091 is good value based on its PB Ratio (0.3x) compared to the IN Consumer Finance industry average (0.5x).
How is United Credit forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as United Credit has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine whether United Credit is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- United Credit competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Diversified Financials industry.
How has United Credit performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 531091 has high quality earnings.
Growing Profit Margin: 531091's current net profit margins (30.2%) are higher than last year (28.3%).
Past Earnings Growth Analysis
Earnings Trend: 531091's earnings have grown significantly by 39.3% per year over the past 5 years.
Accelerating Growth: 531091's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 531091 had negative earnings growth (-59.6%) over the past year, making it difficult to compare to the Consumer Finance industry average (-2.8%).
Return on Equity
High ROE: 531091's Return on Equity (3.6%) is considered low.
How is United Credit's financial position?
Financial Position Analysis
Short Term Liabilities: 531091's short term assets (₹162.8M) exceed its short term liabilities (₹3.6M).
Long Term Liabilities: 531091's short term assets (₹162.8M) exceed its long term liabilities (₹14.8M).
Debt to Equity History and Analysis
Debt Level: 531091 is debt free.
Reducing Debt: 531091 has no debt compared to 5 years ago when its debt to equity ratio was 0.6%.
Debt Coverage: 531091 has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: 531091 has no debt, therefore coverage of interest payments is not a concern.
What is United Credit current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 531091's dividend (5.91%) is higher than the bottom 25% of dividend payers in the Indian market (0.66%).
High Dividend: 531091's dividend (5.91%) is in the top 25% of dividend payers in the Indian market (2.76%)
Stability and Growth of Payments
Stable Dividend: 531091's dividend payments have been volatile in the past 10 years.
Growing Dividend: 531091's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (41.7%), 531091's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Ashok Dabriwala (65 yo)
Mr. Ashok Kumar Dabriwala serves as Chairman of United Credit Ltd and has been its Managing Director since November 2005. Mr. Dabriwala has 37 years of experience in leasing, hire purchase, other financial ...
CEO Compensation Analysis
Compensation vs Market: Ashok's total compensation ($USD22.54K) is below average for companies of similar size in the Indian market ($USD49.43K).
Compensation vs Earnings: Ashok's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|Chairman & MD||14.75yrs||₹1.70m||14.15% |
|Non-Executive Director||16.58yrs||₹80.00k||no data|
|Non-Executive Independent Director||17.58yrs||₹140.00k||no data|
|Non-Executive Independent Director||17.58yrs||₹110.00k||no data|
|Non-Executive Independent Director||9.08yrs||₹130.00k||no data|
|Non-Executive Promoter Director||6.5yrs||₹290.00k||no data|
Experienced Board: 531091's board of directors are seasoned and experienced ( 16.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
United Credit Limited's company bio, employee growth, exchange listings and data sources
- Name: United Credit Limited
- Ticker: 531091
- Exchange: BSE
- Founded: 1970
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ₹63.135m
- Shares outstanding: 5.33m
- Website: https://www.unitedcreditltd.com
Number of Employees
- United Credit Limited
- 27B Camac Street
- 8th Floor
- West Bengal
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|531091||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||May 2005|
United Credit Limited, a non-banking financial company, provides hire purchase, leasing, and other financial services in India. It is also involved in consumer financing, investment, and capital market ope ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/04 12:40|
|End of Day Share Price||2020/08/03 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.