Financial Ratios

UNITED CREDIT LTD.

NSE : NABSE : 531091ISIN CODE : INE858C01027Industry : Finance - NBFCHouse : Private
BSE19.790.63 (+3.29 %)
PREV CLOSE ( ) 19.16
OPEN PRICE ( ) 20.00
BID PRICE (QTY) 0.00 (0)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 427
TODAY'S LOW / HIGH ( )18.30 20.00
52 WK LOW / HIGH ( ) 11.8430.06
NSE
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ParticularsMar2023Mar2022Mar2021Mar2020Mar2019
Operational & Financial Ratios
   Earnings Per Share (Rs)1.361.421.641.683.93
   CEPS(Rs)1.461.451.691.744.01
   DPS(Rs)0.000.000.000.000.70
   Book NAV/Share(Rs)51.0149.6848.2446.5945.74
   Tax Rate(%)16.4641.0427.0224.3941.76
Margin Ratios
   Core EBITDA Margin(%)31.0741.8442.6439.81-62.66
   EBIT Margin(%)30.1847.4544.1640.95136.86
   Pre Tax Margin(%)29.9447.4544.1540.92136.79
   PAT Margin (%)25.0227.9732.2230.9479.66
   Cash Profit Margin (%)26.9328.6733.1832.1181.31
Performance Ratios
   ROA(%)2.572.743.223.348.40
   ROE(%)2.702.893.463.648.97
   ROCE(%)3.234.874.714.7915.30
   Asset Turnover(x)0.100.100.100.110.11
   Sales/Fixed Asset(x)3.303.533.583.883.44
   Working Capital/Sales(x)0.170.160.170.200.19
Efficiency Ratios
   Fixed Capital/Sales(x)0.300.280.280.260.29
   Receivable days49.2553.2142.8527.1012.31
   Inventory Days0.000.000.000.000.00
   Payable days
Valuation Parameters
   PER(x)9.629.436.699.584.58
   PCE(x)8.939.206.499.234.49
   Price/Book(x)0.260.270.230.350.39
   Yield(%)0.000.000.000.003.89
   EV/Net Sales(x)2.302.592.102.903.49
   EV/Core EBITDA(x)7.185.394.656.882.52
   EV/EBIT(x)7.635.474.767.082.55
   EV/CE(x)0.230.250.210.310.35
   M Cap / Sales2.412.642.152.973.65
Growth Ratio
   Net Sales Growth(%)7.39-0.62-6.2410.119.06
   Core EBITDA Growth(%)-28.416.020.45-66.51216.88
   EBIT Growth(%)-31.696.791.10-67.05229.45
   PAT Growth(%)-3.96-13.70-2.37-57.24216.28
   EPS Growth(%)-3.96-13.70-2.37-57.23216.28
Financial Stability Ratios
   Total Debt/Equity(x)0.000.000.000.000.00
   Current Ratio(x)27.6741.1440.8713.5412.99
   Quick Ratio(x)27.6741.1440.8713.5412.99
   Interest Cover(x)126.640.002761.871075.591884.99
   Total Debt/Mcap(x)0.020.000.000.000.00

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RISK DISCLOSURES ON DERIVATIVES

  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
  • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

Source:

1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.