United Credit
BSE: UNITDCR · Non Banking Financial Company (NBFC)
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Snapshot
Unlock United Credit's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
United Credit Limited is a Kolkata-based non-banking financial company (NBFC) operating as a non-deposit taking entity. The firm focuses on hire purchase, leasing, short-term loans, bill discounting, and strategic investments in shares and securities.
Business Model
The company generates revenue primarily through interest income derived from its lending activities and capital gains or dividends from its investment portfolio.
Growth Outlook
Growth is contingent upon the performance of its investment portfolio and the ability to effectively deploy capital into short-term lending opportunities within the Indian market.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on short-term loans or hire purchase agreements.
- Market Volatility. As a significant portion of income is derived from investments in shares and securities, fluctuations in the capital markets directly impact profitability.
- Regulatory Risk. As an NBFC registered with the Reserve Bank of India, the company is subject to evolving regulatory frameworks that may impact operational flexibility.
- Liquidity Risk. The company's reliance on internal accruals and limited scale may restrict its ability to meet sudden funding requirements or market opportunities.
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Key Metrics
REVENUE
₹3 Cr
TTM · standalone
NET PROFIT
₹0.86 Cr
TTM · standalone
EPS
₹1.14
TTM · standalone
RETURN ON EQUITY
2.8%
TTM · standalone
P/E
24.5x
Q4 FY26 · standalone
NET PROFIT MARGIN
26.5%
Q4 FY26 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
United CreditUNITDCR | ₹13 Cr | 20.83 | — | -10.1% | — | 2.8% | — | -15.1% |
Purple FinancePURPLEFIN | ₹433 Cr | -367.50 | — | 204.7% | — | -1.2% | — | +102.3% |
Akme Fintrade (India) LimitedAFIL | ₹401 Cr | 9.04 | — | 40.5% | — | 11.0% | — | +35.4% |
Moneyboxx Finance LimitedMONEYBOXX | ₹398 Cr | 237.38 | — | 5.9% | — | 0.5% | — | -57.2% |
Muthoot Capital Services LimitedMUTHOOTCAP | ₹395 Cr | 16.50 | — | 22.0% | — | 3.6% | — | -12.6% |
Avonmore Capital & Management Services LimitedAVONMORE | ₹392 Cr | 25.74 | — | 11.4% | — | 8.3% | — | -27.6% |
As of Q4 FY26
Financials
United Credit
BSE: UNITDCR · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock United Credit's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
United Credit Limited is a Kolkata-based non-banking financial company (NBFC) operating as a non-deposit taking entity. The firm focuses on hire purchase, leasing, short-term loans, bill discounting, and strategic investments in shares and securities.
Business Model
The company generates revenue primarily through interest income derived from its lending activities and capital gains or dividends from its investment portfolio.
Growth Outlook
Growth is contingent upon the performance of its investment portfolio and the ability to effectively deploy capital into short-term lending opportunities within the Indian market.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on short-term loans or hire purchase agreements.
- Market Volatility. As a significant portion of income is derived from investments in shares and securities, fluctuations in the capital markets directly impact profitability.
- Regulatory Risk. As an NBFC registered with the Reserve Bank of India, the company is subject to evolving regulatory frameworks that may impact operational flexibility.
- Liquidity Risk. The company's reliance on internal accruals and limited scale may restrict its ability to meet sudden funding requirements or market opportunities.
Start your research today
Unlock AI insights, financials, peers and live data on United Credit and 5,000+ companies — free.
Key Metrics
REVENUE
₹3 Cr
TTM · standalone
NET PROFIT
₹0.86 Cr
TTM · standalone
EPS
₹1.14
TTM · standalone
RETURN ON EQUITY
2.8%
TTM · standalone
P/E
24.5x
Q4 FY26 · standalone
NET PROFIT MARGIN
26.5%
Q4 FY26 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q4 FY26