Union Insurance PLC (DSE:UNIONINS)

Bangladesh · Delayed Price · Currency is BDT

53.90

+0.50 (0.94%)

At close: Aug 13, 2026

Union Insurance Financials Overview

Financials in millions BDT. Fiscal year is January - December.

Millions BDT. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	606.11	718.79	666.54	634.02	613.17	641.25
Revenue Growth	-16.19%	7.84%	5.13%	3.40%	-4.38%	9.97%
Operating Income	386.21	371.32	249.73	236.88	169.6	203.01
Net Income	96.23	91.73	90.32	87.5	85.8	46.06
Earnings Per Share	1.99	1.90	1.87	1.81	1.77	0.95
EPS Growth	0.57%	1.55%	3.23%	2.13%	86.01%	-55.52%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	103.04	81.99	115.01	160.24	207.4	385.26
Total Debt	-	9.69	15.51	37.98	18.53	15.75
Net Cash (Debt)	103.04	72.29	99.49	122.26	188.87	369.51
Net Cash Growth	1.51%	-27.34%	-18.63%	-35.27%	-48.88%	107.78%
Net Cash Per Share	2.13	1.49	2.06	2.53	3.90	7.63

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	81.32	57.01	36.85	36.17	64.4	99.87
Capital Expenditures	-6.74	-14.3	-0.13	-30.54	-81.03	-99.96
Free Cash Flow	74.59	42.71	36.72	5.63	-16.64	-0.09
Free Cash Flow Growth	82.04%	16.31%	552.24%	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	63.72%	51.66%	37.47%	37.36%	27.66%	31.66%
Pretax Margin	63.97%	51.87%	38.14%	37.30%	28.01%	30.36%
Profit Margin	15.88%	12.76%	13.55%	13.80%	13.99%	7.18%
FCF Margin	12.31%	5.94%	5.51%	0.89%	-2.71%	-0.01%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 16, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.000	1.000	1.000	1.000	1.000	0.500
Dividend Per Share Growth	0%	0%	0%	0%	100.00%	-
Dividend Yield	1.86%	2.79%	3.89%	1.94%	2.97%	-

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 16, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	27.12	19.36	14.58	31.03	21.04	-
P/FCF Ratio	34.98	41.60	35.86	482.36	-	-
PS Ratio	4.30	2.47	1.98	4.28	2.94	-