United Credit Intrinsic Value
United Credit (UNITDCR) median intrinsic value is ₹15.47 from 8 valuation models (range ₹9–₹40), vs current price ₹29.44 — -47.5% downside (Trading Above Calculated Value), margin of safety -90.3%. For current market price and key ratios, visit United Credit screener.
UNITDCR Valuation Methods Summary — DCF, Graham Number & P/E
United Credit intrinsic value across 8 models vs current price ₹29.44 — upside/downside and value range per method. Also explore United Credit stock price data download to track price trends across different timeframes.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹15.60 | ₹12.48 - ₹18.72 | -47.0% | EPS: ₹1.30, Sector P/E: 12x |
| Book Value Method | asset | ₹40.00 | ₹36.00 - ₹44.00 | +35.9% | Book Value/Share: ₹50.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹8.83 | ₹7.95 - ₹9.71 | -70.0% | Revenue/Share: ₹5.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹11.78 | ₹10.60 - ₹12.96 | -60.0% | EBITDA: ₹1.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹15.47 | ₹12.38 - ₹18.56 | -47.5% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹8.83 | ₹7.95 - ₹9.71 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹10.71 | ₹9.64 - ₹11.78 | -63.6% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹38.24 | ₹34.42 - ₹42.06 | +29.9% | EPS: ₹1.30, BVPS: ₹50.00 |
UNITDCR Intrinsic Value vs Market Price — All Valuation Models
United Credit fair value range ₹9–₹40 vs current market price ₹29.44 across 8 valuation models. Browse UNITDCR complete financial statements for revenue, profit, balance sheet and cash flow data.
UNITDCR Intrinsic Value Analysis — Undervalued or Overvalued?
United Credit median intrinsic value ₹15.47, current price ₹29.44 — Trading Above Calculated Value by 47.5%, margin of safety -90.3%.
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 ₹29.44, this represents a -47.5% variance from our estimated fair value.
The valuation range spans from ₹8.83 to ₹40.00, indicating ₹8.83 - ₹40.00.
Is UNITDCR undervalued or overvalued?
Based on our multi-method analysis, United Credit (UNITDCR) appears to be trading above calculated value by approximately 47.5%.
UNITDCR Financial Health — Key Ratios vs Industry Benchmarks
United Credit financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 3.3% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 28.0% | 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 |
UNITDCR Cash Flow Quality — Operating & Free Cash Flow
United Credit operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |