United Finance PLC. (DSE:UNITEDFIN)

Bangladesh · Delayed Price · Currency is BDT

15.40

-0.20 (-1.28%)

At close: Nov 3, 2026

United Finance PLC. 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	Sep '26 Sep 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	1,137	1,020	1,061	824.46	810.74	790.04
Revenue Growth	9.97%	-3.88%	28.67%	1.69%	2.62%	5.84%
Operating Income	375.96	318.36	348.4	226.58	161.21	258.73
Net Income	221.79	198.04	209.23	143.1	142.54	222.24
Earnings Per Share	1.20	1.06	1.12	0.76	0.76	1.19
EPS Growth	8.74%	-5.35%	46.21%	0.40%	-35.86%	5.21%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	3,223	3,568	3,833	4,123	3,324	5,385
Total Debt	6,231	8,265	8,163	7,313	5,776	5,543
Net Cash (Debt)	-3,008	-4,696	-4,331	-3,190	-2,452	-158.57
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-16.29	-25.10	-23.14	-17.05	-13.10	-0.85

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	-691.19	524.55	798.81	142.29	-2,334	1,053
Capital Expenditures	-39.15	-52.97	-27.49	-28.58	-82.28	-49.2
Free Cash Flow	-730.35	471.58	771.32	113.72	-2,416	1,003
Free Cash Flow Growth	-	-38.86%	578.29%	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	33.08%	31.22%	32.84%	27.48%	19.89%	32.75%
Pretax Margin	33.08%	31.22%	32.84%	27.48%	19.98%	32.86%
Profit Margin	19.51%	19.42%	19.72%	17.36%	17.58%	28.13%
FCF Margin	-64.26%	46.25%	72.71%	13.79%	-298.00%	127.00%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 3, 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	0.600	0.500	1.000
Dividend Per Share Growth	0%	0%	66.67%	20.00%	-50.00%	0%
Dividend Yield	6.49%	8.70%	7.46%	3.80%	3.16%	4.74%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 3, 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	12.99	10.87	11.98	20.66	20.74	17.77
P/FCF Ratio	-	4.56	3.25	26.00	-	3.94
PS Ratio	2.71	2.11	2.36	3.59	3.65	5.00