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United CreditBOM:531091 -4.72%70 PS Ratio is 4.37 as of Aug. 07, 2026, which is 12% above its 10-year median of 3.91. GuruFocus rates BOM:531091 with a GF Score™ of 70/100 and a GF Value™ of ₹27.50 (Fairly Valued). The stock has 5 warning signs investors should review. Among 524 Credit Services companies, United Credit ranks worse than 66.79% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, United Credit's share price is ₹25.01.
United Credit's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹5.72. Hence, United Credit's PS Ratio for today is 4.37.
The historical rank and industry rank for United Credit's PS Ratio or its related term are showing as below:
BOM:531091'
s PS Ratio Range Over the Past 10 Years
Min: 1.66 Med: 3.91 Max: 172.27
Current: 4.66
During the past 13 years, United Credit's highest PS Ratio was 172.27. The lowest was 1.66. And the median was 3.91.
BOM:531091's PS Ratio is ranked worse than 66.79% of 524
companies
in the Credit Services industry
Industry Median: 2.855
vs BOM:531091: 4.66
United Credit Ltd revenue per share is in decline over the past 12 months.
During the past 12 months, the average Revenue per Share Growth Rate of United Credit was -9.60% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 2.10% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 4.30% per year.
During the past 13 years, United Credit's highest 3-Year average Revenue per Share Growth Rate was 45.20% per year. The lowest was -7.60% per year. And the median was 5.40% per year.
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
United Credit PS Ratio Related Terms
United Credit PS Ratio Historical Data
* Premium members only.
The historical data trend for United Credit's PS Ratio 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Credit's PS Ratio distribution charts can be found below:
* The bar in red indicates where United Credit's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
United Credit's Share Price of today is ₹25.01. United Credit's Revenue per Share 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 ₹5.72.
* 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.
It can also be calculated from the numbers for the whole company:
United Credit (BOM:531091) has a PS Ratio of 4.37 as of Aug. 07, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on United Credit and its competitors. This is 12% above median its historical median of 3.91. Over the past decade, United Credit's PS Ratio has ranged from 1.66 to 172.27. According to the industry distribution chart, United Credit ranks #350 out of 524 companies in the Credit Services industry, placing it in the top 66.8%.
Is United Credit's PS Ratio too high?
United Credit's current PS Ratio of 4.37 is 12% above median its 10-year median of 3.91. Over the past 10 years, this metric has ranged from a low of 1.66 to a high of 172.27. The Credit Services industry median PS Ratio is 2.86. United Credit's value of 4.37 is 53.1% above this industry median. Based on the distribution chart, United Credit ranks #350 out of 524 companies in the Credit Services industry, which is below the industry midpoint. Overall, United Credit has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Credit's PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, United Credit ranks #350 out of 524 companies for PS Ratio. This places United Credit in the lower half of its industry. The industry median PS Ratio is 2.86. United Credit's value of 4.37 is 53.1% above this benchmark. Historically, United Credit's own PS Ratio has ranged from 1.66 to 172.27 over the past decade. While the company's 10-year median is 3.91 vs. the industry median of 2.86, 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.86, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Credit's current PS Ratio of 4.37 is 53.1% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on United Credit and its competitors. For the Credit Services industry, the median PS Ratio is 2.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Credit's current PS Ratio is 4.37, which is 12% above median its own 10-year median of 3.91. 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 ₹27.50, compared to a current price of ₹25.01 — trading 9.1% below its estimated fair value. The current PS Ratio is 4.37, which is 12% above median its 10-year median of 3.91 and 53.1% above the Credit Services industry median of 2.86. United Credit's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For United Credit (BOM:531091), the current PS Ratio is 4.37 as of Aug. 07, 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 ₹25.01 is trading 9.1% below its estimated GF Value™ of ₹27.50.
GuruFocus considers United Credit to be Fairly Valued.
Key valuation signals for BOM:531091:
PS Ratio: 4.37 (12% above median its 10-year median of 3.91)
GF Value™: ₹27.50 vs. price of ₹25.01 (9.1% below fair value)
Industry Position: 53.1% above the Credit Services median (#350 of 524)
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.
70GF Score
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