Past 10 year’s financial track record analysis by Moneyworks4me indicates that United Leasing & Industries Ltd is a below average quality company.
The key valuation ratios of United Leasing & Industries Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of United Leasing & Industries Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROCE % ⓘ | 0.4% | 3.6% | 18.6% | 15.9% | 7% | -2.3% | 7.1% | 14.4% | 11.1% | 5.5% | - |
| Value Creation Index ⓘ | -1.0 | -0.7 | 0.3 | 0.1 | -0.5 | -1.2 | -0.5 | 0.0 | -0.2 | -0.6 | - |
Growth Parameters ⓘGrowth Parameters Colour Code Guide ⓘ | |||||||||||
| Sales ⓘ | 0.4 | 0.6 | 4 | 2.9 | 2.8 | 2.1 | 1.1 | 5.2 | 10.4 | 7.2 | 8 |
| Sales YoY Gr. | - | 45% | 584.5% | -27% | -3.1% | -26.3% | -47.8% | 384.3% | 99.6% | -31% | - |
| Adj EPS ⓘ | -2.5 | 0 | 1.9 | 1.8 | 0.1 | 0.2 | -3.4 | 1.9 | 1.4 | 0.3 | 0.8 |
| YoY Gr. | - | NA | 19000% | -5.2% | -94.5% | 80% | -1972.2% | NA | -24.3% | -80.4% | - |
| BVPS (₹) ⓘ | 3.2 | 3.2 | 5.1 | 6.5 | 6.6 | 5.5 | 5.9 | 7.8 | 9.2 | 9.5 | 10.3 |
| Adj Net Profit ⓘ | -0.8 | 0 | 0.6 | 0.5 | 0 | 0.1 | -1 | 0.6 | 0.4 | 0.1 | 0 |
| Cash Flow from Ops. ⓘ | 0.5 | -1.1 | 3.4 | 2.5 | 0 | -2.7 | -2 | 0.4 | 0.3 | 0.1 | - |
| Debt/CF from Ops. ⓘ | 7.1 | -4.7 | 1.4 | 1.1 | -3777.8 | -1.7 | -2.4 | 14.9 | 15.9 | 73.2 | - |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Sales ⓘ | 37.9% | 20.7% | 88.2% | -31% | ||||
| Adj EPS ⓘ | NA | 22.9% | NA | -80.4% | ||||
| BVPSⓘ | 12.8% | 7.5% | 17.3% | 3% | ||||
| Share Price | - | 35.2% | 66% | 91.2% | ||||
Performance Ratio Colour Code Guide ⓘ
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity % ⓘ | -16.1 | 0 | 9.8 | 8.6 | 0.5 | 0.9 | -17 | 9.5 | 6.7 | 1.3 | 8.3 |
| Op. Profit Mgn % ⓘ | 69.3 | 33.2 | 41.2 | 42.9 | 19.2 | 25.4 | -76 | 27.7 | 12.8 | 13.2 | 15.1 |
| Net Profit Mgn % ⓘ | -188.5 | 0.4 | 14.5 | 18.8 | 1.1 | 2.6 | -94 | 10.8 | 4.1 | 1.2 | 3.2 |
| Debt to Equity ⓘ | 3.9 | 5.2 | 3.2 | 1.4 | 1.2 | 2.9 | 2.7 | 2.6 | 1.6 | 2 | 0.8 |
| Working Cap Days ⓘ | 633 | 541 | 98 | 103 | 115 | 246 | 734 | 218 | 146 | 255 | 162 |
| Cash Conv. Cycle ⓘ | 0 | 37 | 37 | 64 | 75 | 158 | 410 | 116 | 88 | 141 | 147 |
Return on Equity has increased versus last 3 years average to 8.30%
Sales growth is growing at healthy rate in last 3 years 88.21%
Debt to equity has declined versus last 3 years average to 1.95
Sales growth is good in last 4 quarters at 15.41%
Net Profit has been subdued in last 3 years 0.00%
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 0.8 | - |
| TTM Sales (₹ Cr.) | 7.7 | - |
| BVPS (₹.) ⓘ | 10.3 | - |
| Reserves (₹ Cr.) ⓘ | - | - |
| P/BV ⓘ | 2.86 | - |
| PE ⓘ | 36.12 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 15.43 / 31.02 |
| All Time Low / High (₹) | 0.80 / 80.00 |
| Market Cap (₹ Cr.) | 8.9 |
| Equity (₹ Cr.) | 3 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 30.2 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 0.40 | 0.58 | 3.97 | 2.90 | 2.81 | 2.07 | 1.08 | 5.23 | 10.44 | 7.20 |
| Operating Expenses ⓘ | 0.12 | 0.39 | 2.34 | 1.68 | 2.27 | 1.54 | 1.90 | 3.78 | 9.11 | 6.25 |
| Manufacturing Costs | 0 | 0.10 | 0.59 | 0.40 | 1 | 0.38 | 0.29 | 0.35 | 0.44 | 0.50 |
| Material Costs | 0 | 0.03 | 0.51 | 0.59 | 0.44 | 0.01 | 0.58 | 2.27 | 6.96 | 4.20 |
| Employee Cost | 0.07 | 0.09 | 0.64 | 0.43 | 0.50 | 0.49 | 0.41 | 0.71 | 0.93 | 0.61 |
| Other Costs ⓘ | 0.05 | 0.18 | 0.60 | 0.25 | 0.33 | 0.66 | 0.62 | 0.45 | 0.77 | 0.94 |
| Operating Profit ⓘ | 0.28 | 0.19 | 1.62 | 1.22 | 0.54 | 0.53 | -0.82 | 1.45 | 1.34 | 0.95 |
| Operating Profit Margin (%) | 69.3% | 33.1% | 40.9% | 42.2% | 19.2% | 25.4% | -76.0% | 27.7% | 12.8% | 13.1% |
| Other Income ⓘ | 0.03 | 0.03 | 0.01 | 0.02 | 0.14 | 0.29 | 2.06 | 0.02 | 0.03 | 0.07 |
| Interest ⓘ | 0.20 | 0.19 | 0.44 | 0.35 | 0.29 | 0.22 | 0.34 | 0.41 | 0.30 | 0.34 |
| Depreciation ⓘ | 0.28 | 0.03 | 0.49 | 0.36 | 0.37 | 0.37 | 0.37 | 0.39 | 0.51 | 0.58 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | -0.57 | -0.41 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | -0.17 | 0 | 0.70 | 0.53 | 0.03 | -0.34 | 0.12 | 0.67 | 0.56 | 0.08 |
| Tax ⓘ | 0.59 | 0 | 0.13 | 0 | 0 | 0 | 0 | 0.10 | 0.13 | 0 |
| Profit After Tax | -0.76 | 0 | 0.57 | 0.53 | 0.03 | -0.34 | 0.12 | 0.57 | 0.43 | 0.08 |
| PAT Margin (%) | -188.0% | 0.4% | 14.3% | 18.3% | 1.1% | -16.6% | 11.0% | 10.8% | 4.1% | 1.2% |
| Adjusted EPS (₹) | -2.5 | 0.0 | 1.9 | 1.8 | 0.1 | -1.1 | 0.4 | 1.9 | 1.4 | 0.3 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Shareholders Fund | 5.57 | 5.57 | 6.14 | 6.57 | 6.60 | 6.26 | 5.68 | 6.25 | 6.68 | 6.76 |
| Share Capital ⓘ | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| Reserves ⓘ | 2.57 | 2.57 | 3.14 | 3.57 | 3.60 | 3.26 | 2.68 | 3.25 | 3.68 | 3.76 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt | 3.77 | 4.88 | 4.28 | 2.76 | 2.34 | 4.71 | 4.79 | 6.05 | 4.36 | 5.53 |
| Long Term Debt | 2.46 | 3.19 | 2.73 | 2.14 | 1.67 | 3.58 | 2.72 | 3.27 | 3.63 | 5.25 |
| Short Term Debt | 1.31 | 1.68 | 1.55 | 0.62 | 0.67 | 1.13 | 2.06 | 2.78 | 0.73 | 0.28 |
| Trade Payables | 0 | 0.08 | 0.04 | 0.18 | 0.09 | 0.13 | 0.04 | 0.10 | 0.03 | 0.25 |
| Others Liabilities ⓘ | 0.72 | 0.31 | 2.36 | 3.53 | 3.20 | 0.43 | 0.14 | 0.32 | 0.40 | 0.11 |
| Total Liabilities ⓘ | 10.05 | 10.85 | 12.82 | 13.03 | 12.23 | 11.54 | 10.65 | 12.71 | 11.47 | 12.65 |
Fixed Assets | ||||||||||
| Gross Block | 9.31 | 10.04 | 14.34 | 14.36 | 10.65 | 10.81 | 10.15 | 11.45 | 9.71 | 9.95 |
| Accumulated Depreciation | 4.01 | 4.04 | 4.53 | 4.90 | 1.55 | 1.91 | 2.29 | 2.68 | 3.19 | 3.77 |
| Net Fixed Assetsⓘ | 5.30 | 6 | 9.81 | 9.47 | 9.11 | 8.90 | 7.86 | 8.77 | 6.52 | 6.17 |
| CWIP ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investmentsⓘ | 4.01 | 3.52 | 1.85 | 1.85 | 1.85 | 0.55 | 0 | 0 | 0 | 0 |
| Inventories | 0 | 0.07 | 0.05 | 0.03 | 0.35 | 0.84 | 0.87 | 1.13 | 0.79 | 1.48 |
| Trade Receivables | 0 | 0.24 | 0.66 | 0.63 | 0.47 | 0.42 | 0.40 | 1.12 | 2.16 | 1.45 |
| Cash Equivalents | 0.28 | 0.05 | 0.29 | 0.95 | 0.26 | 0.31 | 0.23 | 0.25 | 0.31 | 1.05 |
| Others Assetsⓘ | 0.46 | 0.97 | 0.16 | 0.11 | 0.19 | 0.53 | 1.29 | 1.44 | 1.69 | 2.49 |
| Total Assets ⓘ | 10.05 | 10.85 | 12.82 | 13.03 | 12.23 | 11.54 | 10.65 | 12.71 | 11.47 | 12.65 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 0.53 | -1.06 | 3.36 | 2.53 | 0 | -2.71 | -1.98 | 0.41 | 0.27 | 0.08 |
| PBT ⓘ | -0.17 | 0 | 0.70 | 0.53 | 0.03 | -0.34 | 0.12 | 0.67 | 0.56 | 0.08 |
| Adjustment ⓘ | 0.45 | 0.20 | 0.92 | 0.70 | 0.63 | 1.13 | -0.94 | 0.64 | 0.65 | 0.85 |
| Changes in Working Capital ⓘ | 0.24 | -1.27 | 1.75 | 1.35 | -0.67 | -3.46 | -1.2 | -0.89 | -0.8 | -0.89 |
| Tax Paid ⓘ | 0.01 | 0.01 | -0.02 | -0.05 | 0.02 | -0.04 | 0.05 | -0.01 | -0.13 | 0.03 |
| Cash Flow From Investing Activity ⓘ | 0.03 | -0.22 | -2.62 | -0.01 | 0.02 | 0.60 | 2.16 | -1.28 | 1.76 | -0.20 |
| Capex | 0 | -0.73 | -4.30 | -0.02 | -0.01 | -0.16 | 2 | -1.30 | 1.74 | -0.24 |
| Net Investments | 0 | 0.49 | 1.67 | 0 | 0 | 0.74 | 0.14 | 0 | 0 | 0 |
| Others ⓘ | 0.03 | 0.02 | 0.01 | 0.01 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 |
| Cash Flow From Financing Activityⓘ | -0.56 | 1.04 | -0.50 | -1.87 | -0.71 | 2.16 | -0.25 | 0.89 | -1.98 | 0.88 |
| Net Proceeds from Shares ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Proceeds from Borrowing ⓘ | 0.15 | 0.50 | 0.41 | -0.59 | -0.47 | 2.45 | 0.02 | 0.55 | 0.36 | 1.63 |
| Interest Paid ⓘ | -0.20 | -0.19 | -0.44 | -0.35 | -0.29 | -0.22 | -0.32 | -0.37 | -0.29 | -0.30 |
| Dividend Paid ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Others ⓘ | -0.51 | 0.73 | -0.47 | -0.93 | 0.05 | -0.07 | 0.05 | 0.72 | -2.05 | -0.45 |
| Net Cash Flow ⓘ | -0.01 | -0.23 | 0.24 | 0.65 | -0.69 | 0.05 | -0.07 | 0.02 | 0.06 | 0.75 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Ratios | ||||||||||
| ROE (%) | -31.58 | 0.25 | 45.55 | 30.43 | 1.52 | -18.86 | 6.97 | 27.66 | 16.9 | 2.99 |
| ROCE (%) | 0.43 | 3.62 | 18.57 | 15.92 | 7.01 | -2.29 | 7.11 | 14.43 | 11.1 | 5.52 |
| Asset Turnover Ratio | 0.04 | 0.06 | 0.34 | 0.22 | 0.22 | 0.17 | 0.1 | 0.45 | 0.86 | 0.6 |
| PAT to CFO Conversion(x) | N/A | N/A | 5.89 | 4.77 | 0 | N/A | -16.5 | 0.72 | 0.63 | 1 | Working Capital Days |
| Receivable Days | 0 | 151 | 41 | 81 | 71 | 78 | 138 | 53 | 57 | 92 |
| Inventory Days | 0 | 41 | 5 | 5 | 24 | 104 | 289 | 70 | 34 | 58 |
| Payable Days | 0 | 1,030 | 45 | 68 | 111 | 2,801 | 54 | 11 | 3 | 12 |
United Leasing & Industries Company was incorporated on January 13, 1983. It was promoted by R. K. Khanna, Anoop Kumar Khanna and Anil Kumar Khanna. The main object of the company is to carry on the business of leasing of all types of industrial and office use plant, equipment, machinery, vehicles and hire purchase finance business.
In 1984 the Company entered into specialised vendor leasing business.
In 1992 the Company received category-I Certificate for acting as Merchant Banker from SEBI and proposed to diversify into the fields of Merchant banking and Bill Discounting etc.
In 1995 the Company promoted Telecom Finance (India) Ltd jointly with Fujitsu Limited and Itochu Corporation of Japan and Virgo Marketing (P) Ltd. of India.
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Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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