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United CreditBOM:531091 +4.91%76 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 3,127.67. GuruFocus rates BOM:531091 with a GF Score™ of 76/100 and a GF Value™ of ₹27.60 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 156 Credit Services companies, United Credit ranks worse than 641025% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. United Credit's
Operating Income
for the
three
months ended in Jun. 2026 was ₹1.79 Mil. United Credit's Interest Expense for the
three
months ended in Jun. 2026 was ₹0.00 Mil.
United Credit has no debt.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. United Credit Ltd has enough cash to cover all of its debt. Its financial situation is stable.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for United Credit's Interest Coverage or its related term are showing as below:
BOM:531091's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 50.585 * Ranked among companies with meaningful Interest Coverage only.
United Credit (BOM:531091) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
United Credit Interest Coverage Related Terms
United Credit Interest Coverage Historical Data
* Premium members only.
The historical data trend for United Credit's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
BOM:531091 vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, United Credit's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Credit's Interest Coverage distribution charts can be found below:
* The bar in red indicates where United Credit's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
United Credit (BOM:531091) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on United Credit and its competitors. This is 100% below median its historical median of 3,127.67. Over the past decade, United Credit's Interest Coverage has ranged from 106.95 to 13,180.00. According to the industry distribution chart, United Credit ranks #999999 out of 156 companies in the Credit Services industry.
Is United Credit's Interest Coverage too high?
United Credit's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 3,127.67. Over the past 10 years, this metric has ranged from a low of 106.95 to a high of 13,180.00. Based on the distribution chart, United Credit ranks #999999 out of 156 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, United Credit has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does United Credit's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, United Credit ranks #999999 out of 156 companies for Interest Coverage. This places United Credit in the lower half of its industry. The industry median Interest Coverage is 50.59. Historically, United Credit's own Interest Coverage has ranged from 106.95 to 13,180.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 50.59, based on 156 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on United Credit and its competitors. For the Credit Services industry, the median Interest Coverage is 50.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Credit's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 3,127.67. 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 Modestly Undervalued. The stock's GF Value™ is ₹27.60, compared to a current price of ₹23.50 — trading 14.9% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 3,127.67. United Credit's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For United Credit (BOM:531091), the current Interest Coverage is No Debt (1) as of Jun. 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 ₹23.50 is trading 14.9% below its estimated GF Value™ of ₹27.60.
GuruFocus considers United Credit to be Modestly Undervalued.
Key valuation signals for BOM:531091:
Interest Coverage: No Debt (1) (100% below median its 10-year median of 3,127.67)
GF Value™: ₹27.60 vs. price of ₹23.50 (14.9% 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.
76GF Score
Get the complete analysis for BOM:531091
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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