United Credit Limited (531091) fair value: what the stock is really worth
As of Oct 7, 2026: fair value of United Credit Limited ₹20.90, price ₹22.90, upside -8.7%, quality 47 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range ₹9.65 – ₹38.62 · fair‑value band ₹15.68 – ₹26.13 · the ₹22.90 price screens above the ₹20.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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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 operations.
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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 operations. The company was formerly known as United India Credit and Development Company Limited and changed its name to United Credit Limited in January 1981. United Credit Limited was founded in 1970 and is headquartered in Kolkata, India.
Stock analysis
United Credit Limited (531091) currently trades at ₹22.90, while our model-based Fair Value estimate is ₹20.90, so the stock looks roughly fairly valued today (gap 9.6%).
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Valuation
Bull case: the Economic Profit group reads highest at a median of ₹39.79 per share, and 3 of the 6 models we run sit above the ₹22.90 price.
Bear case: the DCF Models group reads lowest at ₹18.38, and 3 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹15.68 (bear) to ₹26.13 (bull), the price of ₹22.90 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 47/100 (below-average quality), in the Financial sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
United Credit Limited reported revenue of ₹30.4M in FY2026 versus ₹27.0M in FY2022, a compound +3.1%/yr. Reported net income was ₹8.6M in FY2026, compounding +3.2%/yr from FY2022.
Key figures
Market cap ₹57.5M (≈ $594K) · P/E ratio 5.2 · P/S ratio 1.47 · EPS (TTM) ₹1.72 · Dividend yield 0.8% · Net margin 28.1% · Return on assets (EBIT) 3.7% · Operating margin 44.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 32% below its 52-week high and 18% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial peers we cover trades at 10% fair-value upside, at −9%, 531091 screens richer than that median.
Fair Value models
Bear ₹15.68Fair Value ₹20.90Bull ₹26.13
Price ₹22.90 · Upside -8.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹0.9184 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.29/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−11.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.3%
Start year 2021 (pandemic). Over 10 years: +5.6% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.1%
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What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+0.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.4%
Dividend (yield on the price)0.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−0.4% vs 7.4%, slowing
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.42% → 30%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 326 stocks
Beats the industry median on 6/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score47 · Below median
Fair Value upside−8.7% · Below median
Profitability
Return on assets0.0% · Bottom 25%
Net margin (TTM)31.9% · Above median
Operating margin (TTM)44.2% · Above median
Growth and dividend
Revenue growth9.2% · Below median
Dividend yield (TTM)0.8% · Bottom 25%
Balance sheet
Debt / equity0.01× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is United Credit Limited (531091) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹20.90 versus a price of ₹22.90, about −9% upside (fairly valued).
What is the fair value of 531091?
Our model-based fair value for United Credit Limited is ₹20.90 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹22.90.
What is the quality score of 531091?
United Credit Limited has a Quality Score of 47/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for United Credit Limited (531091)?
Our model-based price target is the fair value of ₹20.90 (as of Sep 27, 2026) from 6 valuation models. Cautious scenario ₹15.68, optimistic scenario ₹26.13. It is a calculation from audited fundamentals, not an analyst target.
What is the United Credit Limited stock forecast for 2026?
Our models put fair value at ₹20.90, about −9% upside versus a price of ₹22.90 (fairly valued). Cautious scenario ₹15.68, optimistic scenario ₹26.13. The calculation is refreshed regularly with new filings.
What is the revenue of United Credit Limited (531091)?
United Credit Limited reported trailing-twelve-month revenue of about ₹28.8M (latest available figure, as of Sep 27, 2026).
Does United Credit Limited pay a dividend?
United Credit Limited currently shows a dividend yield of about 0.82% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of United Credit Limited (531091)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For United Credit Limited it is ₹20.90 per share (as of Sep 27, 2026), against a price of ₹22.90. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is United Credit Limited stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 531091 trades above its calculated fair value: price ₹22.90, fair value ₹20.90, a gap of about −9% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 531091?
No. The price is what the market pays today (₹22.90); the fair value is what the company's own numbers justify (₹20.90). For United Credit Limited the two are ₹2.00 per share apart. That gap is exactly why we show both numbers side by side.
How much is United Credit Limited worth?
The market values United Credit Limited at about ₹57.5M (market capitalisation, as of Sep 27, 2026). Per share that is ₹22.90; our models calculate a fair value of ₹20.90 per share.
What do the bullish and bearish scenarios say about 531091?
Our models span a range for United Credit Limited: cautious scenario ₹15.68, base ₹20.90, optimistic ₹26.13 per share (as of Sep 27, 2026, price ₹22.90). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 531091?
United Credit Limited trades at a price-to-earnings ratio of 5.2 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹20.90 is built from several models across several years. Other multiples: P/B 0.2, P/S 2.0.
How solid is the balance sheet of United Credit Limited (531091)?
Balance-sheet figures for United Credit Limited (as of Sep 27, 2026): debt of 0.01 per unit of equity. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is 531091 from its 52-week high?
United Credit Limited trades at ₹22.90, about 32% below its 52-week high of ₹33.78 and 18% above the low of ₹19.45 (as of Oct 7, 2026). Distance from the high says nothing about value: that is what the fair value of ₹20.90 is for.
Which stocks are comparable to United Credit Limited?
From the same area (Financial) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is United Credit Limited stock attractive at the current price?
The data as of Sep 27, 2026: price ₹22.90, calculated fair value ₹20.90 (−9%), Quality Score 47/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 531091 calculated?
We run United Credit Limited through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹20.90, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.9 % above its aggregate fair value. United Credit Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of United Credit Limited (531091)?
The closing price on Oct 7, 2026 was ₹22.90. Our model-based fair value is ₹20.90, about −9% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with United Credit Limited right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of United Credit Limited
How large is the market capitalisation of United Credit Limited (531091)?
The market capitalisation of United Credit Limited is ₹57.5M (≈ $594K). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of United Credit Limited (531091)?
The price-to-sales ratio of United Credit Limited is 1.47 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of United Credit Limited (531091)?
Earnings per share at United Credit Limited are ₹1.72 (price ÷ EPS = P/E 5.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of United Credit Limited (531091)?
The dividend yield of United Credit Limited is 0.8% (payout 10.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of United Credit Limited (531091)?
The net margin of United Credit Limited is 28.1% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of United Credit Limited (531091)?
On an EBIT basis the return on assets of United Credit Limited is 3.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of United Credit Limited (531091)?
The operating margin of United Credit Limited is 44.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at United Credit Limited (531091)?
Revenue at United Credit Limited is growing +9.2% versus a year earlier (3y avg +1.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at United Credit Limited (531091)?
Earnings per share at United Credit Limited are growing +11.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does United Credit Limited (531091) generate?
The free cash flow of United Credit Limited is −₹5.4M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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