Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. United Credit's Free Cash Flow for the
three
months ended in Mar. 2026 was ₹0.00 Mil. United Credit's Revenue for the
three
months ended in Mar. 2026 was ₹8.14 Mil. Therefore, United Credit's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.
The historical rank and industry rank for United Credit's FCF Margin % or its related term are showing as below:
BOM:531091'
s FCF Margin % Range Over the Past 10 Years
Min: -18.42 Med: 11.97 Max: 14769.64
Current: -17.59
During the past 13 years, the highest FCF Margin % of United Credit was 14769.64%. The lowest was -18.42%. And the median was 11.97%.
BOM:531091's FCF Margin % is ranked worse than 64.79% of 534
companies
in the Credit Services industry
Industry Median: 0.385
vs BOM:531091: -17.59
United Credit FCF Margin % Related Terms
United Credit FCF Margin % Historical Data
* Premium members only.
The historical data trend for United Credit's FCF 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.
For the Credit Services subindustry, United Credit's FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Credit's FCF Margin % distribution charts can be found below:
* The bar in red indicates where United Credit's FCF 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 FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Credit and its competitors. According to the industry distribution chart, United Credit ranks #346 out of 534 companies in the Credit Services industry, placing it in the top 64.8%.
Is United Credit's FCF Margin % too high?
United Credit's current FCF Margin % is 0.00%. Based on the distribution chart, United Credit ranks #346 out of 534 companies in the Credit Services industry, which is below 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 FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, United Credit ranks #346 out of 534 companies for FCF Margin %. This places United Credit in the lower half of its industry. The industry median FCF Margin % is 0.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.39, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Credit and its competitors. For the Credit Services industry, the median FCF Margin % is 0.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Credit's current FCF Margin % is 0.00%. 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 FCF Margin % is 0.00%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For United Credit (BOM:531091), the current FCF Margin % is 0.00% 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:
FCF Margin %: 0.00%
GF Value™: ₹27.49 vs. price of ₹26.01 (5.4% below fair value)
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
Get the complete analysis for BOM:531091
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:531091 has been successfully added to your 
