United Credit P/B Ratio
United Credit (UNITDCR) P/B ratio is 0.42 (Low), book value per share ₹51.67 vs Financial Services average P/B of -3.6 — Very Low - Significant discount to book value, potential distress or value opportunity. View United Credit 52-week for the annual high/low range and current price position.
Current Valuation Metrics
Book Value Breakdown (2026)
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 0.42 (Low). For live price, earnings yield and the full fundamental profile, see United Credit share price chart.
- Stock appears undervalued with PB of 0.42, trading below book value
- Trading below book value - potential value opportunity or financial distress signal
- Trading at premium to sector average PB of -3.6
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. Review United Credit P/E valuation to evaluate earnings-based valuation against sector peers.
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 |
|---|---|---|---|---|---|
| 2026 | 0.45 | ₹51.67 | ₹23.47 | ₹31 | Low |
| 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 |
UNITDCR vs Financial Services Peers — P/B Ratio Comparison
United Credit P/B 0.42 vs Financial Services average -3.6, median -0.01 — range -91.12–0.13.
| Company | Symbol | P/B Ratio | Market Cap (₹ Cr) | Valuation |
|---|---|---|---|---|
| Mena Mani Industries | MENAMANI | -91.12 | ₹72 | Low |
| Blue Chip | BLUECHIP | -28.88 | ₹18 | Low |
| Manraj Housing Finance | MANRAJH | -21.51 | ₹17 | Low |
| Trustwave Securities | TRUSTWAVE | -13.82 | ₹15 | Low |
| CMX Holdings | CMXLTD | -4.34 | ₹29 | Low |
| Gujarat Lease Financing | GLFL | -4.0 | ₹15 | Low |
| Roselabs Finance | ROSELABS | -3.93 | ₹19 | Low |
| GACM Technologies DVR | GATECHDVR | -3.7 | ₹10 | Low |
| Reliance Home Finance | RHFL | -2.36 | ₹131 | Low |
| Kiduja India | KIDUJA | -1.93 | ₹43 | Low |