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. Income Statement
Financials in millions BDT. Fiscal year is January - December.
Millions BDT. Fiscal year is Jan - Dec.
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 |
Interest and Dividend Income | 2,987 | 2,754 | 2,831 | 2,266 | 2,164 | 1,997 |
Total Interest Expense | 1,800 | 1,626 | 1,599 | 1,353 | 1,221 | 1,147 |
Net Interest Income | 1,187 | 1,128 | 1,233 | 912.91 | 942.29 | 850.12 |
Gain (Loss) on Sale of Investments | - | - | 0.22 | 0.33 | 1.32 | 0.97 |
Revenue Before Loan Losses | 1,260 | 1,128 | 1,233 | 913.24 | 943.6 | 851.09 |
Provision for Loan Losses | 123.21 | 108.25 | 172.09 | 88.78 | 132.86 | 61.06 |
| 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% |
Salaries & Employee Benefits | 516.33 | 523.64 | 586.27 | 547.56 | 544.28 | 455.34 |
Cost of Services Provided | 100.5 | 118.87 | 104.04 | 87.82 | 114.14 | 91.79 |
Other Operating Expenses | 62.5 | -20.7 | -60.32 | -122 | -91.02 | -91.75 |
Total Operating Expenses | 760.61 | 701.27 | 712.4 | 597.88 | 649.53 | 531.31 |
Operating Income | 375.96 | 318.36 | 348.4 | 226.58 | 161.21 | 258.73 |
EBT Excluding Unusual Items | 375.96 | 318.36 | 348.4 | 226.58 | 161.21 | 258.73 |
Gain (Loss) on Sale of Investments | - | - | - | - | - | 0.1 |
Pretax Income | 375.96 | 318.36 | 348.4 | 226.58 | 161.99 | 259.63 |
Income Tax Expense | 154.17 | 120.32 | 139.17 | 83.48 | 19.46 | 37.39 |
Net Income | 221.79 | 198.04 | 209.23 | 143.1 | 142.54 | 222.24 |
Net Income to Common | 221.79 | 198.04 | 209.23 | 143.1 | 142.54 | 222.24 |
Net Income Growth | 4.89% | -5.35% | 46.21% | 0.40% | -35.86% | 5.21% |
Shares Outstanding (Basic) | 185 | 187 | 187 | 187 | 187 | 187 |
Shares Outstanding (Diluted) | 185 | 187 | 187 | 187 | 187 | 187 |
Shares Change | -3.54% | - | - | - | - | - |
EPS (Basic) | 1.20 | 1.06 | 1.12 | 0.76 | 0.76 | 1.19 |
EPS (Diluted) | 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% |
Additional Metrics
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 |
Free Cash Flow | -730.35 | 471.58 | 771.32 | 113.72 | -2,416 | 1,003 |
Free Cash Flow Per Share | -3.96 | 2.52 | 4.12 | 0.61 | -12.91 | 5.36 |
Dividend Per Share | 1.000 | 1.000 | 1.000 | 0.600 | 0.500 | 1.000 |
Dividend Growth | 0% | 0% | 66.67% | 20.00% | -50.00% | 0% |
Operating Margin | 33.08% | 31.22% | 32.84% | 27.48% | 19.89% | 32.75% |
Profit Margin | 19.51% | 19.42% | 19.72% | 17.36% | 17.58% | 28.13% |
Free Cash Flow Margin | -64.26% | 46.25% | 72.71% | 13.79% | -298.00% | 127.00% |
Effective Tax Rate | 41.01% | 37.79% | 39.95% | 36.84% | 12.01% | 14.40% |