Nifty

:

23907.25

Sensex

:

79117.11

557.35 (2.39%)
1961.32 (2.54%)

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Nifty
Sensex

:
:

23907.25
79117.11

557.35 (2.39%)
1961.32 (2.54%)

United Credit Ltd.

Finance - NBFC

Rating :

N/A

BSE: 531091 | NSE: Not Listed

Watchlist

NSE BSE

31.15

22-Nov-2024

Open
High
Low
Previous Close

31.15
32.6
31.13
32.76

Volume
Traded Value (lacs)
52 Week High
52 Week Low

1172
36513
39.20
16.03

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

17.45
9.63
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

16.70
N/A
0.59

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

5.72
3.30
7.99

EBITDA CAGR (%)

10 Years
5 Years
3 Years

5.36
4.75
5.11

PAT CAGR (%)

10 Years
5 Years
3 Years

12.17
12.75
29.80

P:E (Median)

8 Years
5 Years
3 Years

9.28
8.83
10.05

P:BV (Average)

8 Years
5 Years
3 Years

0.32
0.32
0.36

EV:EBITDA (Average)

8 Years
5 Years
3 Years

7.16
5.85
6.97

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Net Sales 0.88 0.82 7.32% 0.87 0.77 12.99% 0.96 0.75 28.00% 0.84 0.73 15.07%
Expenses 0.50 0.47 6.38% 0.60 0.50 20.00% 0.46 0.48 -4.17% 0.52 0.45 15.56%
EBITDA 0.38 0.35 8.57% 0.27 0.27 0.00% 0.50 0.27 85.19% 0.31 0.28 10.71%
EBIDTM 43.10% 42.66% 31.21% 35.50% 51.72% 35.65% 37.47% 38.68%
Other Income 0.15 0.04 275.00% 0.12 0.04 200.00% 0.03 0.00 0 0.62 -0.01 -
Interest 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.04 -100.00%
Depreciation 0.01 0.02 -50.00% 0.01 0.02 -50.00% 0.02 0.02 0.00% 0.02 0.02 0.00%
PBT 0.51 0.37 37.84% 0.38 0.29 31.03% 0.51 0.24 112.50% 0.91 0.22 313.64%
Tax 0.08 0.07 14.29% 0.12 0.07 71.43% 0.09 0.07 28.57% 0.21 -0.02 -
PAT 0.43 0.29 48.28% 0.26 0.22 18.18% 0.42 0.17 147.06% 0.71 0.24 195.83%
PATM 49.03% 35.94% 30.29% 28.74% 43.38% 22.83% 84.13% 33.20%
EPS 0.81 0.55 47.27% 0.49 0.42 16.67% 0.78 0.32 143.75% 1.33 0.46 189.13%

Description Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 22 Var%
Net Sales 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Expenses 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBITDA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBIDTM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Tax 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Sales 3.55 3.40 2.90 2.70 2.71 2.89 2.63 2.41 2.09 1.77 1.95 Net Sales Growth 15.64% 17.24% 7.41% -0.37% -6.23% 9.89% 9.13% 15.31% 18.08% -9.23% Cost Of Goods Sold 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 3.54 3.40 2.90 2.70 2.71 2.89 2.63 2.41 2.09 1.77 1.95 GP Margin 99.69% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 2.08 1.95 2.00 1.57 1.56 1.74 4.27 1.38 1.37 2.20 1.09 Power & Fuel Cost - 0.02 0.02 0.02 0.02 0.03 0.03 0.04 0.04 0.04 0.04 % Of Sales - 0.59% 0.69% 0.74% 0.74% 1.04% 1.14% 1.66% 1.91% 2.26% 2.05% Employee Cost - 0.74 0.74 0.69 0.73 0.73 0.66 0.61 0.58 0.57 0.54 % Of Sales - 21.76% 25.52% 25.56% 26.94% 25.26% 25.10% 25.31% 27.75% 32.20% 27.69% Manufacturing Exp. - 0.27 0.37 0.15 0.24 0.16 0.24 0.21 0.25 0.20 0.15 % Of Sales - 7.94% 12.76% 5.56% 8.86% 5.54% 9.13% 8.71% 11.96% 11.30% 7.69% General & Admin Exp. - 0.52 0.46 0.36 0.23 0.52 0.40 0.47 0.47 0.41 0.34 % Of Sales - 15.29% 15.86% 13.33% 8.49% 17.99% 15.21% 19.50% 22.49% 23.16% 17.44% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 0.43 0.43 0.36 0.36 0.33 2.97 0.08 0.06 1.02 0.00 % Of Sales - 12.65% 14.83% 13.33% 13.28% 11.42% 112.93% 3.32% 2.87% 57.63% 3.08% EBITDA 1.46 1.45 0.90 1.13 1.15 1.15 -1.64 1.03 0.72 -0.43 0.86 EBITDA Margin 41.13% 42.65% 31.03% 41.85% 42.44% 39.79% -62.36% 42.74% 34.45% -24.29% 44.10% Other Income 0.92 0.71 0.03 0.17 0.07 0.07 5.29 0.12 0.04 0.81 0.03 Interest 0.00 0.01 0.01 0.00 0.00 0.00 0.00 0.02 0.02 0.02 0.00 Depreciation 0.06 0.07 0.06 0.02 0.03 0.03 0.04 0.06 0.08 0.09 0.06 PBT 2.31 2.08 0.87 1.28 1.20 1.18 3.59 1.08 0.66 0.28 0.82 Tax 0.50 0.44 0.14 0.52 0.32 0.29 1.50 0.41 -0.12 0.22 0.30 Tax Rate 21.65% 21.15% 16.09% 40.63% 26.67% 24.58% 41.78% 37.96% -18.18% 78.57% 36.59% PAT 1.82 1.64 0.72 0.75 0.87 0.90 2.09 0.66 0.78 0.06 0.52 PAT before Minority Interest 1.82 1.64 0.72 0.75 0.87 0.90 2.09 0.66 0.78 0.06 0.52 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 51.27% 48.24% 24.83% 27.78% 32.10% 31.14% 79.47% 27.39% 37.32% 3.39% 26.67% PAT Growth 97.83% 127.78% -4.00% -13.79% -3.33% -56.94% 216.67% -15.38% 1,200.00% -88.46% EPS 3.43 3.09 1.36 1.42 1.64 1.70 3.94 1.25 1.47 0.11 0.98

Description TTM Mar 09 Mar 08 Mar 07
Net Sales - 11.18 18.45 2.65 Net Sales Growth - -39.40% 596.23% Cost Of Goods Sold - 10.89 13.50 -0.01 Gross Profit - 0.30 4.94 2.65 GP Margin - 2.68% 26.78% 100% Total Expenditure - 12.79 16.85 2.34 Power & Fuel Cost - 0.04 0.00 0.00 % Of Sales - 0.36% 0% 0% Employee Cost - 0.52 0.48 0.59 % Of Sales - 4.65% 2.60% 22.26% Manufacturing Exp. - 0.37 0.01 0.05 % Of Sales - 3.31% 0.05% 1.89% General & Admin Exp. - 0.48 2.06 1.34 % Of Sales - 4.29% 11.17% 50.57% Selling & Distn. Exp. - 0.00 0.00 0.00 % Of Sales - 0% 0% 0% Miscellaneous Exp. - 0.53 0.80 0.36 % Of Sales - 4.74% 4.34% 13.58% EBITDA - -1.61 1.60 0.31 EBITDA Margin - -14.40% 8.67% 11.70% Other Income - 0.19 0.22 0.32 Interest - 0.09 0.09 0.00 Depreciation - 0.15 0.16 0.16 PBT - -1.66 1.56 0.46 Tax - -0.03 0.23 0.17 Tax Rate - 1.81% 14.74% 36.96% PAT - -1.60 1.34 0.29 PAT before Minority Interest - -1.63 1.33 0.29 Minority Interest - 0.03 0.01 0.00 PAT Margin - -14.31% 7.26% 10.94% PAT Growth - - 362.07% EPS - -3.02 2.53 0.55

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 28.99 27.34 26.63 25.87 24.98 24.53 22.45 21.79 21.02 20.96 Share Capital 5.49 5.49 5.49 5.49 5.49 5.49 5.49 5.49 5.49 5.49 Total Reserves 23.49 21.85 21.14 20.37 19.49 19.04 16.96 16.30 15.52 15.46 Non-Current Liabilities 0.65 0.49 0.83 0.91 0.91 0.80 -0.47 -0.79 -0.34 -0.39 Secured Loans 0.08 0.13 0.00 0.00 0.00 0.00 0.00 0.02 0.10 0.09 Unsecured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 0.59 0.36 0.80 0.84 0.70 0.56 0.57 0.49 1.28 1.35 Current Liabilities 0.21 0.65 0.41 0.40 1.18 1.17 1.34 1.51 1.48 1.50 Trade Payables 0.14 0.56 0.40 0.38 0.19 0.10 0.00 0.00 0.00 0.00 Other Current Liabilities 0.06 0.09 0.01 0.02 0.99 1.07 1.28 1.46 1.44 1.50 Short Term Borrowings 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Provisions 0.00 0.00 0.00 0.00 0.00 0.00 0.06 0.05 0.04 0.00 Total Liabilities 29.85 28.48 27.87 27.18 27.07 26.50 23.32 22.51 22.16 22.07 Net Block 0.18 0.22 0.05 0.06 0.09 0.10 0.14 0.18 0.24 0.21 Gross Block 1.02 0.99 0.77 0.76 0.75 0.74 0.79 0.77 0.76 0.71 Accumulated Depreciation 0.83 0.77 0.71 0.69 0.67 0.63 0.65 0.59 0.52 0.50 Non Current Assets 10.36 10.50 10.97 10.86 11.08 11.32 11.65 11.66 12.17 12.43 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Non Current Investment 0.43 0.32 0.45 0.00 0.00 0.00 0.00 0.00 0.00 0.23 Long Term Loans & Adv. 1.60 1.57 1.85 1.95 1.96 1.95 11.22 11.20 11.64 11.70 Other Non Current Assets 8.15 8.39 8.61 8.85 9.03 9.27 0.29 0.29 0.29 0.29 Current Assets 19.49 17.99 16.90 16.31 16.00 15.18 11.67 10.85 9.98 9.63 Current Investments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 0.32 0.33 0.45 0.34 0.30 0.13 0.05 0.02 0.01 0.00 Cash & Bank 0.89 0.42 0.12 0.15 0.19 0.42 0.40 0.72 0.51 0.50 Other Current Assets 18.27 0.46 0.43 0.43 15.51 14.63 11.22 10.11 9.46 9.13 Short Term Loans & Adv. 17.78 16.77 15.90 15.40 15.13 14.30 10.93 9.84 9.21 8.84 Net Current Assets 19.28 17.34 16.49 15.91 14.82 14.01 10.33 9.34 8.50 8.14 Total Assets 29.85 28.49 27.87 27.17 27.08 26.50 23.32 22.51 22.15 22.06

Description Mar 09 Mar 08 Mar 07
Shareholder's Funds 20.69 22.29 21.59 Share Capital 6.55 6.55 6.55 Total Reserves 14.14 15.75 15.04 Non-Current Liabilities 0.69 -0.23 0.14 Secured Loans 0.14 0.18 0.11 Unsecured Loans 1.00 0.00 0.27 Long Term Provisions 0.00 0.00 0.00 Current Liabilities 2.36 3.15 2.59 Trade Payables 0.06 0.00 0.00 Other Current Liabilities 1.05 1.24 1.29 Short Term Borrowings 0.00 0.00 0.00 Short Term Provisions 1.25 1.90 1.30 Total Liabilities 23.76 25.25 25.11 Net Block 1.22 1.30 0.70 Gross Block 2.41 2.43 0.70 Accumulated Depreciation 1.15 1.08 0.00 Non Current Assets 16.89 15.91 12.27 Capital Work in Progress 0.00 0.00 0.00 Non Current Investment 15.68 14.61 10.61 Long Term Loans & Adv. 0.00 0.00 0.00 Other Non Current Assets 0.00 0.00 0.00 Current Assets 6.86 9.35 12.84 Current Investments 0.00 0.00 0.00 Inventories 1.47 1.15 0.29 Sundry Debtors 0.04 0.09 0.16 Cash & Bank 0.89 3.25 5.43 Other Current Assets 4.47 0.00 0.03 Short Term Loans & Adv. 4.47 4.86 6.93 Net Current Assets 4.50 6.20 10.25 Total Assets 23.75 25.26 25.11

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 0.53 0.31 0.41 0.94 0.30 -2.48 -0.14 0.31 0.07 0.04 PBT 2.08 0.87 1.28 1.20 1.18 3.59 1.08 0.66 0.28 0.82 Adjustment -2.15 -1.77 -1.75 -1.73 -1.66 -3.87 -1.31 -1.14 -0.86 -1.04 Changes in Working Capital -1.44 -0.49 -0.63 -0.30 -0.92 -3.42 -1.08 -0.24 -0.34 -0.66 Cash after chg. in Working capital -1.51 -1.40 -1.10 -0.84 -1.39 -3.69 -1.32 -0.72 -0.93 -0.88 Interest Paid 0.00 0.00 0.00 0.00 0.00 0.00 -0.01 -0.02 -0.02 0.00 Tax Paid 0.01 -0.12 -0.23 -0.03 0.00 -0.11 -0.01 -0.07 -0.04 -0.08 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 2.03 1.82 1.75 1.80 1.69 1.33 1.20 1.12 1.06 0.99 Cash From Investing Activity 0.00 -0.13 -0.44 0.00 -0.02 2.61 0.03 -0.01 -0.04 -0.15 Net Fixed Assets -0.03 -0.22 -0.01 -0.01 -0.01 0.05 -0.02 -0.01 -0.05 -0.04 Net Investments -0.11 0.13 -0.45 0.00 0.00 0.00 0.00 0.00 0.23 0.01 Others 0.14 -0.04 0.02 0.01 -0.01 2.56 0.05 0.00 -0.22 -0.12 Cash from Financing Activity -0.05 0.13 0.00 -0.87 -0.45 -0.02 -0.08 -0.08 0.04 0.11 Net Cash Inflow / Outflow 0.47 0.30 -0.03 0.06 -0.16 0.12 -0.19 0.22 0.08 0.00 Opening Cash & Equivalents 0.41 0.11 0.14 0.07 0.24 0.12 0.31 0.10 0.02 0.02 Closing Cash & Equivalent 0.88 0.41 0.11 0.14 0.07 0.24 0.12 0.31 0.10 0.02

Description Mar 09 Mar 08 Mar 07
Cash From Operating Activity -1.37 -1.46 1.97 PBT -1.66 1.56 0.46 Adjustment -0.63 -4.17 -2.33 Changes in Working Capital 0.21 0.47 3.02 Cash after chg. in Working capital -2.08 -2.14 1.15 Interest Paid 0.00 0.00 0.00 Tax Paid -0.12 -0.33 -0.22 Other Direct Exp. Paid 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 Cash From Investing Activity -1.29 -0.35 0.45 Net Fixed Assets 0.03 -1.16 Net Investments -1.07 -2.75 Others -0.25 3.56 Cash from Financing Activity 0.31 -0.30 1.26 Net Cash Inflow / Outflow -2.36 -2.11 3.68 Opening Cash & Equivalents 3.25 5.36 1.76 Closing Cash & Equivalent 0.89 3.25 5.43

Financial Ratios

Standalone /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value (Rs.) 54.09 51.01 49.68 48.24 46.59 45.74 41.84 40.59 39.14 39.02 ROA 5.61% 2.57% 2.74% 3.22% 3.34% 8.40% 2.89% 3.48% 0.27% 2.41% ROE 5.84% 2.70% 2.89% 3.46% 3.64% 8.97% 3.01% 3.66% 0.29% 2.54% ROCE 7.38% 3.23% 4.87% 4.71% 4.79% 15.30% 4.92% 3.15% 1.38% 3.95% Fixed Asset Turnover 3.39 3.30 3.53 3.58 3.88 3.44 3.08 2.72 2.40 2.82 Receivable days 35.25 49.25 53.21 42.85 27.10 12.31 5.23 2.86 2.03 0.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 34.74 0.00 0.00 0.00 0.00 Cash Conversion Cycle 35.25 49.25 53.21 42.85 27.10 -22.43 5.23 2.86 2.03 0.00 Total Debt/Equity 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.01 Interest Cover 229.22 126.64 0.00 2761.87 1075.59 1884.99 69.17 33.03 18.05 447.21

Description Mar 09 Mar 08 Mar 07
Book Value (Rs.) 32.15 34.67 33.57 ROA -6.66% 5.27% 1.17% ROE -7.66% 6.10% 1.37% ROCE -7.07% 7.44% 2.13% Fixed Asset Turnover 4.62 11.78 3.79 Receivable days 2.08 2.50 22.07 Inventory Days 42.63 14.17 39.48 Payable days 0.98 0.00 0.00 Cash Conversion Cycle 43.73 16.66 61.55 Total Debt/Equity 0.06 0.01 0.02 Interest Cover -16.72 17.48 108.41

Top Investors:

united nanotech products limited

investor education and protection fund (iepf)

farooq arbi halai

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