United Credit Limited (531091) Fair Value & Analysis
Financial · IN · Market cap ₹57.5M (≈ $604K)
Strengths
Risks
Fair value as of: Aug 28, 2026
From 6 valuation models · updated today
Share price −7.4% over the past month.
Below-average quality, and trading another 20% above our fair value.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- Solid but not exceptional quality (49/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 28, 2026.
How to read this chart
60‑month range ₹9.00 – ₹38.62 · fair‑value band ₹15.68 – ₹26.13 · the ₹25.00 price screens above the ₹20.90 fair value. Dashed = 300-day average. As of Aug 28, 2026.
Analysis
United Credit Limited (531091) currently trades at ₹25.00, while our model-based Fair Value estimate is ₹20.90, implying the stock looks roughly 16.4% overvalued today. The Quality Score stands at 49/100 (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 (as of Jul 4, 2026). Fundamentals as of Aug 28, 2026
Our scenario range runs from ₹15.68 (bear case) to ₹26.13 (bull case); at ₹25.00, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 34% below its 52-week high and 32% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial peers we cover trades at -48% fair-value upside, at -16%, 531091 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Asset-Based (₹38.80) versus DCF Models (₹13.30). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 28, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 41 · Market factors (momentum, volatility) 34
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
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.
Full company description
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.
Company description, as reported by the company or data provider.
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.
531091 screens 16% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 339 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 28, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $383.90 | $198.27 | -48% |
| Mastercard Incorporated MA | $598.47 | $221.87 | -63% |
| American Express Company AXP | $336.15 | $206.40 | -39% |
| Capital One Financial Corporation COF | $217.21 | $117.51 | -46% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | -64% |
| PayPal Holdings PYPL | $61.81 | $77.12 | +25% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | -51% |
| Synchrony Financial, SYF | $79.78 | $137.28 | +72% |
| SoFi Technologies, Inc SOFI | $18.84 | $5.02 | -73% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | -57% |
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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.
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