United Credit Intrinsic Value
United Credit intrinsic value. United Credit (UNITDCR) median intrinsic value is ₹12.36 from 7 valuation models (range ₹6–₹42), vs current price ₹21.05 — -41.3% downside (Trading Above Calculated Value), margin of safety -70.3%. 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 7 models vs current price ₹21.05 — 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 | ₹18.00 | ₹14.40 - ₹21.60 | -14.5% | EPS: ₹1.50, Sector P/E: 12x |
| Book Value Method | asset | ₹41.33 | ₹37.20 - ₹45.46 | +96.3% | Book Value/Share: ₹51.67, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹6.32 | ₹5.69 - ₹6.95 | -70.0% | Revenue/Share: ₹5.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹8.42 | ₹7.58 - ₹9.26 | -60.0% | EBITDA: ₹1.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹6.32 | ₹5.69 - ₹6.95 | -70.0% | EPS Growth: 2.5%, Fair P/E: 2.0x |
| Growth Adjusted P/E | growth | ₹12.36 | ₹11.12 - ₹13.60 | -41.3% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹41.76 | ₹37.58 - ₹45.94 | +98.4% | EPS: ₹1.50, BVPS: ₹51.67 |
UNITDCR Intrinsic Value vs Market Price — All Valuation Models
United Credit fair value range ₹6–₹42 vs current market price ₹21.05 across 7 valuation models. Compare with UNITDCR fair value estimate to assess whether the stock is under or overvalued.
UNITDCR Intrinsic Value Analysis — Undervalued or Overvalued?
United Credit median intrinsic value ₹12.36, current price ₹21.05 — Trading Above Calculated Value by 41.3%, margin of safety -70.3%.
What is the intrinsic value of UNITDCR?
Based on our comprehensive analysis using 7 different valuation methods, the estimated intrinsic value of United Credit (UNITDCR) is ₹12.36 (median value). With the current market price of ₹21.05, this represents a -41.3% variance from our estimated fair value.
The valuation range spans from ₹6.32 to ₹41.76, indicating ₹6.32 - ₹41.76.
Is UNITDCR undervalued or overvalued?
Based on our multi-method analysis, United Credit (UNITDCR) appears to be trading above calculated value by approximately 41.3%.
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 | 33.0% | 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 2026 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| 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 |