United Credit Limited (531091) Fair Value & Analysis
Financial · IN · Market cap ₹57.5M
Fair value as of: Jul 4, 2026
From 13 valuation models · updated today
Share price −4.6% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹19.45 – ₹33.78 · fair‑value band ₹15.68 – ₹26.13 · the ₹27.63 price screens above the ₹20.90 fair value. As of Jul 4, 2026.
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United Credit Limited (531091) currently trades at ₹27.63, while our model-based Fair Value estimate is ₹20.90 — implying the stock looks roughly 24.4% overvalued today. We read business quality at 46/100 (below-average quality), in the Financial sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).
Over the trailing twelve months, United Credit Limited generated revenue of ₹28.8M at a net margin of 31.9%. Revenue grew 9.2% year over year. The stock trades on a trailing P/E of 5.2. Fundamentals as of Jul 4, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 4, 2026. TTM = trailing twelve months.
About the company
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.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
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.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.