United Credit (BOM:531091) EV-to-FCF: (As of Jul. 28, 2026)

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BOM:531091 United Credit Ltd BOM:531091
69 GF Score
Price ₹26.01
GF Value ₹27.49
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is United Credit EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, United Credit's Enterprise Value is ₹135.59 Mil. United Credit's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₹0.00 Mil. Therefore, United Credit's EV-to-FCF for today is .

The historical rank and industry rank for United Credit's EV-to-FCF or its related term are showing as below:

BOM:531091' s EV-to-FCF Range Over the Past 10 Years
Min: -26.3   Med: 0   Max: 0
Current: -26.3

BOM:531091's EV-to-FCF is ranked worse than
100% of 268 companies
in the Credit Services industry
Industry Median: 13.9 vs BOM:531091: -26.30

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-28), United Credit's stock price is ₹26.01. United Credit's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹1.610. Therefore, United Credit's PE Ratio (TTM) for today is 16.16.


United Credit  (BOM:531091) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

United Credit's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=26.01/1.610
=16.16

United Credit's share price for today is ₹26.01.
United Credit's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹1.610.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


United Credit EV-to-FCF Related Terms


United Credit EV-to-FCF Historical Data

* Premium members only.

The historical data trend for United Credit's EV-to-FCF 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.

United Credit EV-to-FCF Chart

United Credit Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 17.22 73.82 19.56 -25.95 -18.80

United Credit Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -25.95 0.00 0.00 0.00 -18.80

BOM:531091 vs V, MA, AXP: EV-to-FCF Comparison

For the Credit Services subindustry, United Credit's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, United Credit's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where United Credit's EV-to-FCF falls into.


BOM:531091
69GF Score
United Credit Ltd BOM:531091
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

United Credit EV-to-FCF Calculation

United Credit's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=135.592/0
=

United Credit's current Enterprise Value is ₹135.59 Mil.
United Credit's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹0.00 Mil.

* 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.

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:

  • EV-to-FCF:
  • GF Value™: ₹27.49 vs. price of ₹26.01 (5.4% below fair value)
  • GF Score™: 69/100 with 5 warning signs

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 Business Description

Address 27B, Camac Street, 8th Floor, Kolkata, WB, IND, 700016
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

Get the complete analysis for BOM:531091

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹26.01
Price
₹27.49
GF Value