United Credit Intrinsic Value
United Credit (UNITDCR) median intrinsic value is ₹15.47 from 8 valuation models (range ₹8–₹43), vs current price ₹27.63 — -44.0% downside (Trading Above Calculated Value), margin of safety -78.6%. Read UNITDCR dividend track record for the complete payout history and dividend yield track record.
UNITDCR Valuation Methods Summary — DCF, Graham Number & P/E
United Credit intrinsic value across 8 models vs current price ₹27.63 — upside/downside and value range per method. For current market price and key ratios, visit United Credit screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹19.32 | ₹15.46 - ₹23.18 | -30.1% | EPS: ₹1.61, Sector P/E: 12x |
| Book Value Method | asset | ₹41.33 | ₹37.20 - ₹45.46 | +49.6% | Book Value/Share: ₹51.67, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹8.29 | ₹7.46 - ₹9.12 | -70.0% | Revenue/Share: ₹5.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹11.05 | ₹9.95 - ₹12.16 | -60.0% | EBITDA: ₹1.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹15.47 | ₹12.38 - ₹18.56 | -44.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹8.29 | ₹7.46 - ₹9.12 | -70.0% | EPS Growth: 3.2%, Fair P/E: 2.6x |
| Growth Adjusted P/E | growth | ₹13.27 | ₹11.94 - ₹14.60 | -52.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹43.26 | ₹38.93 - ₹47.59 | +56.6% | EPS: ₹1.61, BVPS: ₹51.67 |
UNITDCR Intrinsic Value vs Market Price — All Valuation Models
United Credit fair value range ₹8–₹43 vs current market price ₹27.63 across 8 valuation models. Analyse UNITDCR shareholding pattern to track promoter, FII and institutional holdings.
UNITDCR Intrinsic Value Analysis — Undervalued or Overvalued?
United Credit median intrinsic value ₹15.47, current price ₹27.63 — Trading Above Calculated Value by 44.0%, margin of safety -78.6%.
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 ₹27.63, this represents a -44.0% variance from our estimated fair value.
The valuation range spans from ₹8.29 to ₹43.26, indicating ₹8.29 - ₹43.26.
Is UNITDCR undervalued or overvalued?
Based on our multi-method analysis, United Credit (UNITDCR) appears to be trading above calculated value by approximately 44.0%.
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 | 3.2% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 36.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | 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 |