| Quarter | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
Growth YoY Revenue Growth YoY% | 15.5 | 15.1 | 28.0 | 13.0 | 7.3 | 6.0 | -15.6 | -14.9 | -13.6 | -13.5 | 2.5 | 5.4 |
Interest Expended Interest ExpendedCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Expenses ExpensesCr | 0 | 1 | 0 | 1 | 1 | 1 | 1 | 0 | 0 | 1 | 1 | 1 |
| 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
FPM FPM% | 42.7 | 38.1 | 52.1 | 31.0 | 43.2 | 42.7 | 6.2 | 37.8 | 39.5 | 27.3 | 34.9 | 28.2 |
| 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | 0 | 1 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Growth YoY PAT Growth YoY% | 45.0 | 191.7 | 147.1 | 18.2 | 48.3 | -61.4 | -88.1 | -3.9 | -46.5 | -40.7 | 340.0 | -24.0 |
NPM NPM% | 35.4 | 83.3 | 43.8 | 29.9 | 48.9 | 30.3 | 6.2 | 33.8 | 30.3 | 20.8 | 26.5 | 24.4 |
| 0.6 | 1.3 | 0.8 | 0.5 | 0.8 | 0.5 | 0.1 | 0.5 | 0.4 | 0.3 | 0.4 | 0.4 |
| Quarter | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
Growth YoY Revenue Growth YoY% | 15.5 | 15.1 | 28.0 | 13.0 | 7.3 | 6.0 | -15.6 | -14.9 | -13.6 | -13.5 | 2.5 | 5.4 |
Interest Expended Interest ExpendedCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Expenses ExpensesCr | 0 | 1 | 0 | 1 | 1 | 1 | 1 | 0 | 0 | 1 | 1 | 1 |
| 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
FPM FPM% | 42.7 | 38.1 | 52.1 | 31.0 | 43.2 | 42.7 | 6.2 | 37.8 | 39.5 | 27.3 | 34.9 | 28.2 |
| 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | 0 | 1 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Growth YoY PAT Growth YoY% | 45.0 | 191.7 | 147.1 | 18.2 | 48.3 | -61.4 | -88.1 | -3.9 | -46.5 | -40.7 | 340.0 | -24.0 |
NPM NPM% | 35.4 | 83.3 | 43.8 | 29.9 | 48.9 | 30.3 | 6.2 | 33.8 | 30.3 | 20.8 | 26.5 | 24.4 |
| 0.6 | 1.3 | 0.8 | 0.5 | 0.8 | 0.5 | 0.1 | 0.5 | 0.4 | 0.3 | 0.4 | 0.4 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue RevenueCr | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
Growth Revenue Growth% | -9.2 | 18.1 | 15.4 | 9.1 | 10.1 | -6.2 | -0.6 | 7.4 | 17.3 | 1.2 | -9.6 | -5.4 |
Interest Expended Interest ExpendedCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Expenses ExpensesCr | 2 | 1 | 1 | 4 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| 0 | 1 | 1 | -2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
FPM FPM% | -25.4 | 33.5 | 42.3 | -62.7 | 39.8 | 42.8 | 41.9 | 30.7 | 42.4 | 30.8 | 35.4 | 32.5 |
| 1 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | 0 | 1 | 1 | 4 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 1 |
| 0 | 0 | 0 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | |
PAT PATCr | 0 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 1 |
Growth PAT Growth% | -88.5 | 1,197.3 | -14.8 | 216.3 | -57.2 | -2.4 | -13.7 | -4.0 | 125.8 | -38.0 | -15.5 | -20.0 |
NPM NPM% | 3.4 | 37.2 | 27.5 | 79.7 | 30.9 | 32.2 | 28.0 | 25.0 | 48.2 | 29.5 | 27.6 | 25.5 |
| 0.1 | 1.5 | 1.2 | 3.9 | 1.7 | 1.6 | 1.4 | 1.4 | 3.1 | 1.9 | 1.6 | 1.5 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue RevenueCr | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
Growth Revenue Growth% | -9.2 | 18.1 | 15.4 | 9.1 | 10.1 | -6.2 | -0.6 | 7.4 | 17.3 | 1.2 | -9.6 | -5.4 |
Interest Expended Interest ExpendedCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Expenses ExpensesCr | 2 | 1 | 1 | 4 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| 0 | 1 | 1 | -2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
FPM FPM% | -25.4 | 33.5 | 42.3 | -62.7 | 39.8 | 42.8 | 41.9 | 30.7 | 42.4 | 30.8 | 35.4 | 32.5 |
| 1 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PBT PBTCr | 0 | 1 | 1 | 4 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 1 |
| 0 | 0 | 0 | 2 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | |
PAT PATCr | 0 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 1 |
Growth PAT Growth% | -88.5 | 1,197.3 | -14.8 | 216.3 | -57.2 | -2.4 | -13.7 | -4.0 | 125.8 | -38.0 | -15.5 | -20.0 |
NPM NPM% | 3.4 | 37.2 | 27.5 | 79.7 | 30.9 | 32.2 | 28.0 | 25.0 | 48.2 | 29.5 | 27.6 | 25.5 |
| 0.1 | 1.5 | 1.2 | 3.9 | 1.7 | 1.6 | 1.4 | 1.4 | 3.1 | 1.9 | 1.6 | 1.5 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital Equity CapitalCr | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
Reserves ReservesCr | 16 | 16 | 17 | 19 | 19 | 20 | 21 | 22 | 23 | 24 | 25 |
Borrowings BorrowingsCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities Other LiabilitiesCr | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | 0 | 0 |
Total Liabilities Total LiabilitiesCr | 23 | 24 | 25 | 26 | 27 | 27 | 28 | 29 | 30 | 31 | 32 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Cash Equivalents Cash EquivalentsCr | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
Other Assets Other AssetsCr | 22 | 23 | 24 | 26 | 27 | 27 | 27 | 28 | 29 | 30 | 31 |
Total Assets Total AssetsCr | 23 | 24 | 25 | 26 | 27 | 27 | 28 | 29 | 30 | 31 | 32 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital Equity CapitalCr | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
Reserves ReservesCr | 16 | 16 | 17 | 19 | 19 | 20 | 21 | 22 | 23 | 24 | 25 |
Borrowings BorrowingsCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities Other LiabilitiesCr | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | 0 | 0 |
Total Liabilities Total LiabilitiesCr | 23 | 24 | 25 | 26 | 27 | 27 | 28 | 29 | 30 | 31 | 32 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Cash Equivalents Cash EquivalentsCr | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
Other Assets Other AssetsCr | 22 | 23 | 24 | 26 | 27 | 27 | 27 | 28 | 29 | 30 | 31 |
Total Assets Total AssetsCr | 23 | 24 | 25 | 26 | 27 | 27 | 28 | 29 | 30 | 31 | 32 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | -2 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | |
| 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | -1 | 0 | 0 | 0 | 0 | 0 | |
Net Cash Flow Net Cash FlowCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Free Cash Flow Free Cash FlowCr | 0 | 0 | 0 | -2 | 0 | 1 | 0 | 0 | 0 | -1 | -1 |
CFO To EBITDA CFO To EBITDA% | -16.3 | 43.8 | -13.8 | 150.2 | 26.2 | 81.0 | 36.7 | 35.1 | 36.6 | -41.3 | -23.3 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | -2 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | |
| 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | -1 | 0 | 0 | 0 | 0 | 0 | |
Net Cash Flow Net Cash FlowCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Free Cash Flow Free Cash FlowCr | 0 | 0 | 0 | -2 | 0 | 1 | 0 | 0 | 0 | -1 | -1 |
CFO To EBITDA CFO To EBITDA% | -16.3 | 43.8 | -13.8 | 150.2 | 26.2 | 81.0 | 36.7 | 35.1 | 36.6 | -41.3 | -23.3 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Current |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap Market CapitalizationCr | 6 | 7 | 9 | 10 | 9 | 6 | 7 | 7 | 11 | 17 | 10 | 13 |
Price To Earnings Price To Earnings | 99.5 | 9.4 | 13.7 | 4.7 | 9.9 | 6.9 | 9.7 | 9.9 | 6.6 | 16.8 | 12.5 | 16.3 |
Price To Sales Price To Sales | 3.3 | 3.4 | 3.5 | 3.6 | 3.0 | 2.1 | 2.6 | 2.4 | 2.9 | 4.5 | 3.3 | 4.2 |
Price To Book Price To Book | 0.3 | 0.3 | 0.4 | 0.4 | 0.3 | 0.2 | 0.3 | 0.3 | 0.4 | 0.6 | 0.3 | 0.4 |
EV To EBITDA EV To EBITDA | -12.1 | 9.1 | 8.2 | -5.6 | 7.3 | 4.9 | 6.2 | 7.5 | 6.8 | 15.2 | 9.2 | 12.0 |
FPM FPM% | -25.5 | 33.6 | 42.2 | -62.7 | 39.8 | 42.6 | 41.8 | 30.8 | 42.3 | 30.9 | 35.3 | 32.5 |
NPM NPM% | 3.4 | 37.2 | 27.5 | 79.7 | 30.9 | 32.2 | 28.0 | 25.0 | 48.2 | 29.5 | 27.6 | 25.5 |
ROCE ROCE% | 1.4 | 3.1 | 4.8 | 14.7 | 4.7 | 4.6 | 4.8 | 3.2 | 7.2 | 4.3 | 3.5 | 3.5 |
ROE ROE% | 0.3 | 3.6 | 3.0 | 8.5 | 3.6 | 3.4 | 2.8 | 2.6 | 5.6 | 3.4 | 2.8 | 2.8 |
ROA ROA% | 0.3 | 3.2 | 2.7 | 8.0 | 3.3 | 3.3 | 2.7 | 2.5 | 5.5 | 3.3 | 2.7 | 2.7 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Current |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap Market CapitalizationCr | 6 | 7 | 9 | 10 | 9 | 6 | 7 | 7 | 11 | 17 | 10 | 13 |
Price To Earnings Price To Earnings | 99.5 | 9.4 | 13.7 | 4.7 | 9.9 | 6.9 | 9.7 | 9.9 | 6.6 | 16.8 | 12.5 | 16.3 |
Price To Sales Price To Sales | 3.3 | 3.4 | 3.5 | 3.6 | 3.0 | 2.1 | 2.6 | 2.4 | 2.9 | 4.5 | 3.3 | 4.2 |
Price To Book Price To Book | 0.3 | 0.3 | 0.4 | 0.4 | 0.3 | 0.2 | 0.3 | 0.3 | 0.4 | 0.6 | 0.3 | 0.4 |
EV To EBITDA EV To EBITDA | -12.1 | 9.1 | 8.2 | -5.6 | 7.3 | 4.9 | 6.2 | 7.5 | 6.8 | 15.2 | 9.2 | 12.0 |
FPM FPM% | -25.5 | 33.6 | 42.2 | -62.7 | 39.8 | 42.6 | 41.8 | 30.8 | 42.3 | 30.9 | 35.3 | 32.5 |
NPM NPM% | 3.4 | 37.2 | 27.5 | 79.7 | 30.9 | 32.2 | 28.0 | 25.0 | 48.2 | 29.5 | 27.6 | 25.5 |
ROCE ROCE% | 1.4 | 3.1 | 4.8 | 14.7 | 4.7 | 4.6 | 4.8 | 3.2 | 7.2 | 4.3 | 3.5 | 3.5 |
ROE ROE% | 0.3 | 3.6 | 3.0 | 8.5 | 3.6 | 3.4 | 2.8 | 2.6 | 5.6 | 3.4 | 2.8 | 2.8 |
ROA ROA% | 0.3 | 3.2 | 2.7 | 8.0 | 3.3 | 3.3 | 2.7 | 2.5 | 5.5 | 3.3 | 2.7 | 2.7 |
Documents — United Credit Ltd