Stock UNITDCR6 UNITED CREDIT LIMITED
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Financials United Credit Limited

Equities

UNITDCR6

INE858C01027

Consumer Lending

Delayed Bombay S.E.
Other stock markets
 06:00:55 2024-06-20 am EDT 		5-day change 1st Jan Change
32.85 INR -0.33% Intraday chart for United Credit Limited -7.83% +43.26%
Feb. 12 United Credit Limited Reports Earnings Results for the Third Quarter and Nine Months Ended December 31, 2023 CI
2023 United Credit Limited Reports Earnings Results for the Second Quarter and Six Months Ended September 30, 2023 CI

Valuation

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Capitalization 1 87.64 95.9 85.78 58.45 71.13 69.63
Enterprise Value (EV) 1 83.86 91.7 85.03 57.09 65.51 63.6
P/E ratio 13.3 x 4.33 x 9.58 x 6.69 x 9.43 x 9.62 x
Yield - 3.89% - - - -
Capitalization / Revenue 3.53 x 1.22 x 2.9 x 2.1 x 2.58 x 2.39 x
EV / Revenue 3.38 x 1.17 x 2.88 x 2.06 x 2.37 x 2.18 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.39 x 0.39 x 0.34 x 0.23 x 0.27 x 0.25 x
Nbr of stocks (in thousands) 5,328 5,328 5,328 5,328 5,328 5,328
Reference price 2 16.45 18.00 16.10 10.97 13.35 13.07
Announcement Date 8/31/18 8/30/19 9/1/20 6/11/21 8/29/22 5/26/23
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net sales 1 24.82 78.3 29.58 27.78 27.6 29.14
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 10.76 37.61 11.84 11.97 12.79 8.669
Net income 1 6.617 22.16 8.95 8.738 7.541 7.242
Net margin 26.66% 28.31% 30.26% 31.45% 27.32% 24.85%
EPS 2 1.240 4.160 1.680 1.640 1.415 1.359
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - 0.7000 - - - -
Announcement Date 8/31/18 8/30/19 9/1/20 6/11/21 8/29/22 5/26/23
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 3.78 4.2 0.74 1.36 5.62 6.04
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 2.88% 9.07% 3.49% 3.38% 2.87% 2.68%
ROA (Net income/ Total Assets) 2.73% 8.66% 3.37% 3.26% 2.77% 2.57%
Assets 1 242.8 255.8 265.8 268.3 272 281.4
Book Value Per Share 2 42.10 46.30 46.90 48.60 50.00 51.30
Cash Flow per Share 2 0.7500 0.7900 0.1400 0.2500 0.2100 0.7700
Capex 1 0.22 0.06 0.18 0.05 0.07 2.23
Capex / Sales 0.87% 0.07% 0.61% 0.17% 0.26% 7.64%
Announcement Date 8/31/18 8/30/19 9/1/20 6/11/21 8/29/22 5/26/23
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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Other Consumer Lending
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