United Credit ltd.

Financial Services · Finance

BSE: 531091
₹22.06
▲ 1.05 (5.00%)
Sept. 30, 2026 · BSE · bse_bhavcopy
Quality
75/100
Strong
Valuation
100/100
Undervalued
Momentum
65/100
Neutral

QVM read Quality at a discount Quality Strong, Valuation Undervalued, Momentum Neutral

Tradinity's own scoring, not a copy of any third party's -- see the Key Metrics section for the real ratios behind each number.

Key Metrics

Market Capitalization
₹12 Cr
PE (TTM)
Data unavailable.
Price to Book
0.4
PEG (TTM)
Data unavailable (needs 8 quarters of EPS).
Institutions holding %
Data unavailable.
Piotroski Score
Data unavailable.
Relative return vs Nifty50, qtr %
Data unavailable.
Relative return vs Sector, qtr %
-21.6
Free Cash Flow
₹-1 Cr
as of March 31, 2026
Industry median ₹-0 Cr (536 companies)
EPS Growth (YoY)
Data unavailable.
Net Profit Growth (TTM)
0.00%
as of March 31, 2026
Industry median 0.00% (481 companies)
Operating Revenue Growth (TTM)
0.00%
as of March 31, 2026
Industry median 0.00% (476 companies)
Profit Growth (YoY)
478.28%
as of March 31, 2019
Industry median 12.66% (188 companies)
Revenue Growth (YoY)
11.66%
as of March 31, 2019
Industry median 8.05% (138 companies)
Current Ratio
Data unavailable (needs a filed half-yearly balance sheet).
Debt to Equity
Data unavailable (needs a filed half-yearly balance sheet).
Interest Coverage
1344.57
as of March 31, 2026
Industry median 2.05 (385 companies)
Net Margin
215.04%
as of March 31, 2019
Industry median 21.71% (183 companies)
Operating Margin (EBIT)
40.47%
as of Sept. 30, 2018
Industry median 29.93% (192 companies)
Operating Margin (TTM)
147.93%
as of March 31, 2026
Industry median 31.63% (395 companies)
Return on Assets
7.03%
as of March 31, 2026
Industry median 0.85% (493 companies)
Return on Capital Employed
Data unavailable (needs a filed half-yearly balance sheet).
Return on Equity
7.19%
as of March 31, 2026
Industry median 1.37% (491 companies)

Investment checklist

Tradinity's own yes/no questions with the rule stated beside each. “Items without enough data are left out, never counted as a No, and the totals count only answered questions. A summary of numbers on this page, not advice.

Financials

4 of 6 met
  • No Net profit is higher than a year earlier in each of the last 4 quarters
  • Yes Revenue is higher than a year earlier in each of the last 4 quarters
  • Yes Quality score is Strong (70 or more)
  • No Return on equity is 15% or more (7.2%)
  • Yes Net cash flow for the latest year is positive
  • Yes Cash from operations is higher than the year before

Ownership

2 of 3 met
  • No FII/FPI or DII holding rose in the latest quarter
  • Yes Promoter holding rose or was unchanged in the latest quarter
  • Yes Promoter pledge is 5% of their holding or less and not rising (0.0% pledged)

Peer comparison

2 of 3 met
  • No 1-year return beats the industry median
  • Yes Revenue growth beats the industry median
  • Yes Profit growth beats the industry median

Value and momentum

2 of 5 met
  • Yes Valuation score is Undervalued (70 or more)
  • No Momentum score is Bullish (70 or more)
  • No Price is above the 5, 10 and 20 day averages
  • No Price is above the 50, 100 and 200 day averages
  • Yes Latest candle has a bullish shape (hammer, dragonfly doji, white marubozu)

Price

Download CSV

PE/EPS use each quarter's real filed EPS only from 45 days after quarter-end (no look-ahead) against the raw close of the day. Price-to-book isn't a mode here: the feed has no dated share count, so there's no real history to chart.

RSI (14) (same adjusted close series as the price chart above)

MACD (12, 26, 9) (same adjusted close series as the price chart above)

Relative Returns (vs SENSEX)

Prices adjusted for splits and bonuses. * = a corporate action affecting this date could not be parsed and is not reflected.

Price range

Day return
5.0%
Low 21.9900 · High 22.0600
1W return
-4.7%
Low 21.0100 · High 24.0000
1M return
-2.8%
Low 21.0100 · High 24.5800
52W return
-31.9%
Low 21.0100 · High 26.4500
Lifetime High ₹62.7000 (Jan. 3, 2008)
Lifetime Low ₹8.0100 (April 3, 2013)

Full price history and technicals →

EMA & SMA

Bullish0
Bearish6
5D
22.2
10D
22.6
20D
23.1
50D
24.2
100D
24.2
200D
22.9

Delivery and volume

Day avg. delivery
100.0%
Week avg. delivery
97.6%
Month avg. delivery
79.4%

Week = 5 sessions, Month = 22 sessions ending the latest trading day — the same combined NSE+BSE delivery data as the table below, just summed.

Resistance and support

22.04
Pivot
First resistance22.08
Second resistance22.11
Third resistance22.15
First support22.01
Second support21.97
Third support21.94
Day RSI43.6
Day MFI13.0
Day MACD-0.76
Day MACD signal-0.78

Beta

1M0.39
3M0.72
1Y0.72
3Y0.21

Price change analysis

↓ -2.8%
Over 1 Month
LowHigh
21.0124.58
↓ -31.9%
Over 3 Months
LowHigh
21.0126.45
↓ -31.9%
Over 6 Months
LowHigh
21.0126.45
↓ -31.9%
Over 1 Year
LowHigh
21.0126.45
Legend Positive indicator Neutral indicator Negative indicator

Buy/Sell Zone

View Buy/Sell Zone →

Data unavailable (needs at least 2 historical quarters with both a filed EPS and a matching trading day).

Revenue (March 31, 2019)
₹1 Cr
Net profit (March 31, 2019)
₹2 Cr
Basic EPS (March 31, 2019)
₹

Ranks #406 of 510 in Finance by market cap -- full peer table on the Financials page.

Shareholding pattern / Ownership

Shareholding summary

Jun 2026
  • Promoter57.31%

Largest holders

Data unavailable.

Historical promoter holding

Promoters holdings were unchanged at 57.31% in Jun 2026 qtr

All shareholding details →

DateClientDealActionQuantityPriceExchange
4 Aug 2010 ESPEEA PROMOTERS and DEVELOPERS PVT LYD Bulk Sell 38,304 37.2000 BSE
26 Mar 2008 NAVEEN BOTHRA AND SONS HUF Bulk Sell 42,148 22.8800 BSE
26 Mar 2008 NAVEEN BOTHRA Bulk Buy 42,195 22.9400 BSE
28 Sep 2007 KALPESH SHAH Bulk Sell 50,000 51.2800 BSE
5 Sep 2007 NEIL INFORMATION TECHNOLOGY LTD Bulk Buy 44,277 39.4000 BSE
5 Sep 2007 TECKNOPOINT MERCANTILE COMPANY P LTD Bulk Buy 45,000 39.4000 BSE
5 Sep 2007 TECKNOPOINT MERCANTILE COMPANY P LTD Bulk Sell 45,000 39.4000 BSE
28 Feb 2007 GARRY SUPPLY PVT LTD Bulk Sell 48,000 32.4000 BSE
28 Feb 2007 MAHABIR PRASAD CHOUDHARY Bulk Buy 48,000 32.4000 BSE

All bulk and block deals →

Corporate Announcements

All 4 announcements, with search →

Exchange disclosures (NSE and BSE), most recent first.

DateCategoryAnnouncement
28 Sep 2026 AGM/EGM United Credit Ltd - 531091 - Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
28 Sep 2026 AGM/EGM United Credit Ltd - 531091 - Shareholder Meeting / Postal Ballot-Outcome of AGM
28 Sep 2026 Insider Trading / SAST United Credit Ltd - 531091 - Closure of Trading Window
5 Sep 2026 Others United Credit Ltd - 531091 - Reg. 34 (1) Annual Report.

All announcements →

SWOT

Tradinity's own rule-based read of the real ratios elsewhere on this page -- not a copy of any third party's, and never a forward-looking prediction.

Strengths

  • Strong net profit margin (215.0%)
  • Comfortable interest coverage (1344.6x)

Weaknesses

  • Low Return on Equity (7.2%)

Opportunities

  • Trading below book value (PB 0.38)

Threats

  • Down 31.9% over the past year

Data unavailable (no single-stock futures or options activity on record for this company).

Frequently asked questions about United Credit ltd.

Where is the share price?

The price at the top of this page is the last traded price from exchange data; during market hours it refreshes on its own. The Chart & Technicals section has the full price history.

Where are the financial results?

The Financials page has quarterly and annual results, ratios, cash flow and the balance sheet, on a standalone or consolidated basis.

Who owns the company?

The Ownership section shows the latest shareholding pattern from exchange filings, with promoter, FII, DII and public holdings by quarter.

Does Tradinity give buy or sell advice?

No. The scores and checklist on this page are rule-based summaries of published figures, not recommendations. Tradinity is not a registered investment adviser.