- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies.
- ₹11 Cr4,381st largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. The filing of 31 Aug 2026
- 13.3
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. The filing of 28 May 2026
- 0.3
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it. The filing of 31 Aug 2026
- 2.6%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 12.53%
- Cost of fundsCost of funds. Interest paid ÷ the average of what the company pays interest on × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 8.52%
- Credit costCredit cost. What was set aside for loans that may not be repaid ÷ average loans given × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 0.02%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026.
- 2.76%
- LeverageAssets per rupee of net worth. Average total assets ÷ average net worth: rupees of assets for each rupee of net worth; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026.
- 1.02times net worth
- Volume, BSEVolume. Shares traded on the last trading day.
- 93
Results
Standalone; ₹ crore, the charts by years to March, the table by quarter. Income from operations is what the business earns: interest on loans, fees, dividends and the rest.Quarterly results
Quarter to Jun 2026, against the quarter beforeFiled 31 Aug
- Income from operationsIncome from operations. The pill is the change in income from operations against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹0.78 Crdown 6.24%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹0.19 Crdown 10.77%
Income from operations by year
Peak income from operations ₹3.44 Cr, year to Mar 2025
Net profit by year, a loss in red
| ₹ crore | Sep 2024Filed 16 Dec | Dec 2024Filed 4 Apr | Mar 2025Filed 28 May | Jun 2025Filed 11 Aug | Sep 2025Filed 12 Nov | Dec 2025Filed 16 Apr | Mar 2026Filed 28 May | Jun 2026Filed 31 Aug |
|---|---|---|---|---|---|---|---|---|
| Income from operations | 0.88 | 0.89 | 0.81 | 0.74 | 0.76 | 0.77 | 0.83 | 0.78 |
| Net profit | 0.43 | 0.27 | 0.05 | 0.25 | 0.23 | 0.16 | 0.22 | 0.19 |
Standalone. The last eight quarters. The latest is shaded.
Business segments
Share of revenue, year to Mar 2026, standalone.Segment revenue and profit
- Financing ActivityFinancing Activity, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹2.53 Crup 6.46%81.3%
- Renting ActivityRenting Activity, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹0.58 Crdown 45.45%18.7%
The pill is the change in revenue on the year before; the share is of all the businesses together.
Valuation
Today, against the company's own history. Not shown, EV/EBITDA: not used for a lender or an insurer.PE ratio and valuation history
Price to earningsPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit.
At or below today's level on 76% of 1,829 trading days since Feb 2017.
LowestHighest
Its median10.2Industry median19.8
Price to bookPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet.
At or below today's level on 36% of 1,092 trading days over the last 5 years.
LowestHighest
Its median0.4Industry median1.1
Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price. When a year's dividend goes ex later than the year before's, the yield reads zero for the days between; a run of under 60 such trading days is left out of the yield's medians and percentiles. The ex-date is the day from which a buyer of the share no longer gets the dividend.
At or below today's level on 92% of 1,896 trading days over the last 10 years.
LowestHighest
Its median0.00%Industry median0.75%
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | −37.4% | −15.5% | −25.9% | 0.0% |
| 3 years | +14.2% | +5.8% | +8.0% | 0.0% |
| 5 years | +12.1% | −0.4% | +12.6% | 0.0% |
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add. Earnings growth over 1, 3 and 5 years is on profit divided by shares in issue at both ends: the earnings per share stated for one end does not match that year's profit and share count.
Peers and competitors
Non Banking Financial Company (NBFC), 281 listed companies, priced on 23 Oct 2026. The table lists the 8 companies closest to United Credit in market cap. 1 company in the table last traded before then: its row is priced on its last trade.
Where the company sits among the companies nearest its size
| Company | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
 Econo Trade (India)ETIL | 11 | 5.0 | 0.2 | – | −5.3% | −7.0% | 4.7% | – | 3.16% | 6.40% | 0.00% |
 Gujarat InvestaGUJINV | 11 | 69.9 | 1.1 | 458.0 | +184.0% | – | 1.5% | 0.2% | – | – | 0.00% |
 Shri Niwas Leasing and FinanceSHRINIWAS | 11 | – | 0.0 | – | – | – | – | – | – | – | 0.00% |
 Epuja SpiritechEPUJA | 11 | – | 0.7 | – | +7.6% | – | −53.5% | −57.3% | – | – | 0.00% |
 Indergiri FinanceINDERGR | 11 | – | 7.6 | – | +1.4% | – | −85.4% | – | −6.83% | 3.37% | 0.00% |
 Shrydus IndustriesSHRYDUS | 10 | – | 0.2 | – | – | – | −5.7% | −5.7% | – | – | 0.00% |
 Lyons Corporate MarketLYONSCO | 10 | 35.8 | 0.9 | – | +14.2% | – | 2.6% | – | 1.46% | 1.33% | 0.00% |
 Sharp InvestmentsSHARPINV | 10 | – | 0.4 | 56.0 | +80.2% | – | – | 0.4% | – | – | 0.00% |
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record; for ROCE and EV/EBITDA, where the company is a lender or an insurer; for NIM and ROA, where the company does not file a lender's accounts or has no recent year with a balance sheet at its start and its end. ROE is the shareholders' profit over their net worth. ROCE is profit before interest and tax over the whole group's net worth plus borrowings, as in the figures at the top of the page. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.
Dividends
Per share, by the year it was paid for, and the latest payments.Dividend history and dates
Dividend per share, ₹, restated for later splits and bonuses
Dividend per share. The dividends declared for the year, each restated to today's share count by the splits and bonuses after its own ex-date, added up.Highest ₹0.70 a share, year to Mar 2019.
| Ex-date | Type | Per share |
|---|---|---|
| 19 Sep 2019 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹0.70 |
| 14 Jul 2011 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹0.75 |
| 15 Jul 2010 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹1.00 |
| 20 Aug 2008 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹0.90 |
Latest payments, as declared, by ex-date.
Latest announcements
Routine notices left out.Share news and announcements
Sep 2026
28 Sep · Meeting
Aug 2026
United Credit share price by year
Each calendar year to 2025.United Credit share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 28.97 | −11.0% | 38.00 | 27.47 |
| 2024 | 32.55 | +42.0% | 38.62 | 18.10 |
| 2023 | 22.93 | +75.8% | 27.33 | 11.85 |
| 2022 | 13.04 | +23.0% | 17.00 | 9.65 |
| 2021 | 10.60 | −12.3% | 16.80 | 9.71 |
| 2020 | 12.09 | −23.7% | 16.85 | 8.60 |
| 2019 | 15.85 | −9.4% | 22.30 | 14.50 |
| 2018 | 17.50 | −9.6% | 21.50 | 13.15 |
| 2017 | 19.35 | +19.1% | 22.45 | 11.67 |
| 2016 | 16.25 | −6.9% | 23.05 | 10.32 |
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before.
Recent sessions
The last 10 trading days to 23 Oct 2026, as traded on BSE.
| Date | Open | High | Low | Close | Average price | Volume |
|---|---|---|---|---|---|---|
| 23 Oct 2026 | 20.75 | 20.75 | 19.80 | 20.00 | – | 93 |
| 22 Oct 2026 | 22.00 | 22.00 | 22.00 | 22.00 | 22.00 | 1 |
| 16 Oct 2026 | 22.49 | 22.49 | 22.39 | 22.39 | – | 57 |
| 15 Oct 2026 | 20.61 | 20.61 | 20.50 | 20.50 | 20.60 | 101 |
| 14 Oct 2026 | 20.60 | 20.61 | 20.60 | 20.61 | 20.60 | 374 |
| 13 Oct 2026 | 21.99 | 21.99 | 20.61 | 20.61 | 20.63 | 196 |
| 12 Oct 2026 | 21.60 | 22.32 | 20.61 | 20.61 | 20.80 | 4,385 |
| 7 Oct 2026 | 22.05 | 22.90 | 22.05 | 22.90 | – | 21 |
| 6 Oct 2026 | 21.05 | 22.10 | 20.50 | 22.05 | – | 31 |
| 5 Oct 2026 | 21.56 | 21.56 | 21.01 | 21.05 | 21.14 | 211 |
Prices in ₹ per share as traded, not adjusted.
Price adjustments
What the price chart is corrected for, so it reads as one share held throughout.
| Ex-date | Event | Price factor | What happened |
|---|---|---|---|
| 19 Dec 2008 | Price move | – | This is the share's first trade after a corporate action (Dividend - Rs. - 0.9000 / Reduction of Capital, ex-date 20 Aug 2008), and the action's terms do not account for the move. Not adjusted for. |
Each event is noted and not adjusted for.
Company details
- Legal name
- United Credit ltd.
- BSE code
- 531091
- ISIN
- INE858C01027
- Industry
- Finance
- Listed
- Sep 1995
- Face value
- ₹10
- CIN
- L65993WB1970PLC027781
- Corporate identity number, the registrar of companies' code for it