United Credit P/B Ratio
United Credit (UNITDCR) P/B ratio is 0.52 (Low), book value per share ₹50.00 vs Financial Services average P/B of -11.33 — Low - Trading below book value, may indicate undervaluation. For live price, earnings yield and the full fundamental profile, see United Credit share price chart.
Current Valuation Metrics
Book Value Breakdown (2025)
Valuation Signal
Sector Context
UNITDCR P/B Ratio — Valuation Insights & Book Value Analysis
United Credit price-to-book ratio interpretation, valuation status and historical context — current P/B 0.52 (Low). View United Credit 52-week for the annual high/low range and current price position.
- Stock appears undervalued with PB of 0.52, trading below book value
- Trading below book value - potential value opportunity or financial distress signal
- Trading at premium to sector average PB of -11.33
United Credit P/B Ratio Historical Trend
UNITDCR annual price-to-book ratio — 5 years, book value per share and year-end price. P/B below 1.0 indicates the stock trades below net asset value. Compare with UNITDCR stock valuation models to assess whether the stock is under or overvalued.
UNITDCR Historical P/B Ratio — Book Value Per Share & Year-End Price
United Credit annual P/B ratio, book value per share (₹), year-end price and total equity in ₹ Crores.
| Year | P/B Ratio | Book Value/Share (₹) | Year-end Price (₹) | Total Equity (₹ Cr) | Valuation |
|---|---|---|---|---|---|
| 2025 | 0.58 | ₹50.0 | ₹28.97 | ₹30 | Low |
| 2024 | 0.67 | ₹48.33 | ₹32.55 | ₹29 | Low |
| 2023 | 0.51 | ₹45.0 | ₹22.93 | ₹27 | Low |
| 2022 | 0.29 | ₹45.0 | ₹13.04 | ₹27 | Low |
| 2021 | 0.24 | ₹43.33 | ₹10.60 | ₹26 | Low |
UNITDCR vs Financial Services Peers — P/B Ratio Comparison
United Credit P/B 0.52 vs Financial Services average -11.33, median -0.04 — range -372.31–0.11.
| Company | Symbol | P/B Ratio | Market Cap (₹ Cr) | Valuation |
|---|---|---|---|---|
| BEML Land Assets | BLAL | -372.31 | ₹794 | Low |
| Mena Mani Industries | MENAMANI | -91.12 | ₹72 | Low |
| Manraj Housing Finance | MANRAJH | -29.76 | ₹21 | Low |
| Blue Chip | BLUECHIP | -28.88 | ₹18 | Low |
| Trustwave Securities | TRUSTWAVE | -13.82 | ₹15 | Low |
| CMX Holdings | CMXLTD | -4.83 | ₹30 | Low |
| Gujarat Lease Financing | GLFL | -4.65 | ₹19 | Low |
| Roselabs Finance | ROSELABS | -4.51 | ₹23 | Low |
| Classic Leasing & Finance | CLFL | -4.49 | ₹16 | Low |
| Manipal Finance | MNPLFIN | -2.53 | ₹20 | Low |