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United CreditBOM:531091 -3.63%69 EBITDA Margin % is 34.94% as of Mar. 2026, which is 17% below its 10-year median of 42.22. GuruFocus rates BOM:531091 with a GF Score™ of 69/100 and a GF Value™ of ₹27.49 (Fairly Valued). The stock has 5 warning signs investors should review. Among 417 Credit Services companies, United Credit ranks better than 68.11% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. United Credit's EBITDA for the
three
months ended in Mar. 2026 was ₹2.85 Mil. United Credit's Revenue for the
three
months ended in Mar. 2026 was ₹8.14 Mil. Therefore, United Credit's EBITDA margin for the quarter that ended in Mar. 2026 was 34.94%.
United Credit (BOM:531091) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
United Credit EBITDA Margin % Related Terms
United Credit EBITDA Margin % Historical Data
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The historical data trend for United Credit's EBITDA Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOM:531091 vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, United Credit's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Credit EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Credit's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where United Credit's EBITDA Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
United Credit (BOM:531091) has a EBITDA Margin % of 34.94% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on United Credit and its competitors. This is 17% below median its historical median of 42.22. Over the past decade, United Credit's EBITDA Margin % has ranged from 30.59 to 9,431.55. According to the industry distribution chart, United Credit ranks #133 out of 417 companies in the Credit Services industry, placing it in the top 31.9%.
Is United Credit's EBITDA Margin % too high?
United Credit's current EBITDA Margin % of 34.94% is 17% below median its 10-year median of 42.22. Over the past 10 years, this metric has ranged from a low of 30.59 to a high of 9,431.55. The Credit Services industry median EBITDA Margin % is 21.71. United Credit's value of 34.94% is 60.9% above this industry median. Based on the distribution chart, United Credit ranks #133 out of 417 companies in the Credit Services industry, which is above the industry midpoint. Overall, United Credit has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Credit's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, United Credit ranks #133 out of 417 companies for EBITDA Margin %. This puts United Credit in the upper half of its industry. The industry median EBITDA Margin % is 21.71. United Credit's value of 34.94% is 60.9% above this benchmark. Historically, United Credit's own EBITDA Margin % has ranged from 30.59 to 9,431.55 over the past decade. While the company's 10-year median is 42.22 vs. the industry median of 21.71, United Credit has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.71, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Credit's current EBITDA Margin % of 34.94% is 60.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on United Credit and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Credit's current EBITDA Margin % is 34.94%, which is 17% below median its own 10-year median of 42.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Credit stock overvalued right now?
Based on GuruFocus' analysis, United Credit (BOM:531091) is currently considered Fairly Valued. The stock's GF Value™ is ₹27.49, compared to a current price of ₹26.01 — trading 5.4% below its estimated fair value. The current EBITDA Margin % is 34.94%, which is 17% below median its 10-year median of 42.22 and 60.9% above the Credit Services industry median of 21.71. United Credit's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For United Credit (BOM:531091), the current EBITDA Margin % is 34.94% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is United Credit (BOM:531091) Overvalued in 2026?
Based on GuruFocus' analysis, United Credit stock appears to be undervalued.
The current stock price of ₹26.01 is trading 5.4% below its estimated GF Value™ of ₹27.49.
GuruFocus considers United Credit to be Fairly Valued.
Key valuation signals for BOM:531091:
EBITDA Margin %: 34.94% (17% below median its 10-year median of 42.22)
GF Value™: ₹27.49 vs. price of ₹26.01 (5.4% below fair value)
Industry Position: 60.9% above the Credit Services median (#133 of 417)
No single metric tells the full story. See the BOM:531091 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Credit Ltd is an Indian (NBFC) non-banking financial company. The business is engaged in the lease, hire purchase, consumer financing, investment, and capital market operations. The company's operating segments include: Financing activity and Renting activity. The company derives substantial revenue from the Financing Activity.
69GF Score
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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