United Credit Intrinsic Value
UNITDCR Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹18.00 | ₹14.40 - ₹21.60 | -37.0% | EPS: ₹1.50, Sector P/E: 12x |
| Book Value Method | asset | ₹40.00 | ₹36.00 - ₹44.00 | +40.1% | Book Value/Share: ₹50.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹8.57 | ₹7.71 - ₹9.43 | -70.0% | Revenue/Share: ₹5.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹11.42 | ₹10.28 - ₹12.56 | -60.0% | EBITDA: ₹1.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹15.47 | ₹12.38 - ₹18.56 | -45.8% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹8.57 | ₹7.71 - ₹9.43 | -70.0% | EPS Growth: 1.4%, Fair P/E: 1.1x |
| Growth Adjusted P/E | growth | ₹12.36 | ₹11.12 - ₹13.60 | -56.7% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹41.08 | ₹36.97 - ₹45.19 | +43.8% | EPS: ₹1.50, BVPS: ₹50.00 |
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Valuation Comparison Chart
UNITDCR Intrinsic Value Analysis
What is the intrinsic value of UNITDCR?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of United Credit (UNITDCR) is ₹15.47 (median value). With the current market price of ₹28.56, this represents a -45.8% variance from our estimated fair value.
The valuation range spans from ₹8.57 to ₹41.08, indicating ₹8.57 - ₹41.08.
Is UNITDCR undervalued or overvalued?
Based on our multi-method analysis, United Credit (UNITDCR) appears to be trading above calculated value by approximately 45.8%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Debt to Equity Ratio | 1.03 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 3.3% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 32.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.10x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for United Credit
Additional stock information and data for UNITDCR
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹1 Cr | ₹1 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹1 Cr | ₹1 Cr | Positive Free Cash Flow | 8/10 |