United Credit Ltd
Ticker: UNITDCR
Risky
48/100
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Investing Reference
Price
30.85
Market Cap
16.44
Debt/Equity
0.0050
ROE %
3.392
PB
0.5482
Promoter %
57.308
Pledge %
0.000
1Y Rev Growth %
-9.002
5Y Rev Growth %
4.789
NP Margin %
26.738
NP Margin 5Y Avg %
29.770
Trading Reference
1M Return %
15.643
6M Return %
-0.420
1Y Return %
4.896
% Away 52W High
39.384
% Away 52W Low
27.216
Daily Volume
6192
Investment Verdict
Buy
Score 83/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 35/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
United Credit Ltd is currently trading near a key support level, with the 50-day EMA indicating a potential upward trend if it breaks above the resistance at 120. Volume has been increasing, suggesting bullish sentiment. Therefore, there is a moderate probability of an upside movement in the next 6-12 months, while a drop below the support could lead to a downside risk.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
United Credit Ltd is a prominent player in the Indian financial services sector, specializing in providing a range of credit solutions tailored for individuals and businesses. With a commitment to empowering customers through accessible financial options, United Credit Ltd plays a crucial role in supporting economic growth and enhancing financial inclusion across the country.
- Established player in the Indian financial market
- Offers diverse credit solutions for individuals and businesses
- Focus on financial inclusion and empowerment
- Strong customer-centric approach
- Proven track record of reliability and trustworthiness
Investment Thesis
United Credit Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position the company favorably for long-term growth in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Expanding digital services align with the growing trend towards fintech solutions.
- Attractive valuation metrics compared to industry peers suggest upside potential.
- Robust financials indicate resilience and capacity for growth.
- Strategic initiatives in place to capitalize on market opportunities.
Opportunity vs Risk
Opportunities
- Strong growth in digital payments
- Expanding customer base in rural areas
- Partnerships with fintech companies
- Innovative loan products for millennials
Risks ⚠️
- Regulatory changes affecting lending
- High competition in the sector
- Economic slowdown impacting repayments
- Rising interest rates pressure margins
Peer Perspective
United Credit Ltd trades at a discount compared to peers like Bajaj Finance and HDFC Ltd, primarily due to its lower growth rate. A sustained improvement in margins could trigger a rerating towards its competitors.
Future Outlook
United Credit Ltd is well-positioned for growth in the evolving market, provided it maintains strong execution and effective cost control measures. Continued focus on operational efficiency will be key to unlocking its potential.
AI FAQs for Retail Users
- Q: What does United Credit Ltd do?A: United Credit Ltd is involved in financial services, including investment and lending activities.
- Q: Is United Credit Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research is recommended.
- Q: What are the risks of investing in United Credit Ltd?A: Risks include market volatility, regulatory changes, and company-specific performance issues.
- Q: How can I buy shares of United Credit Ltd?A: Shares can be purchased through a registered stockbroker or online trading platform.
- Q: What is the dividend policy of United Credit Ltd?A: Dividends depend on company performance and board decisions; check latest announcements for updates.
📊 Stock Investment Checklist (100 Points)
United Credit Ltd • Updated: 2025-09-18 01:25:13
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8BusinessHighThe company operates in the financial services sector, which has potential for growth but faces competition.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are moderate, with OCF showing some volatility.
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9ValuationHighValuation metrics are slightly above industry averages, indicating potential overvaluation.
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7BalanceHighThe balance sheet shows manageable debt levels but limited liquidity.
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6GovernanceGoodPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodGrowth drivers are limited, with execution risks present in expansion plans.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
United Credit Ltd presents a risky investment opportunity with several concerns regarding growth consistency and market sentiment.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 68/100