United Finance PLC. (DSE:UNITEDFIN)

Total Valuation

DSE:UNITEDFIN has a market cap or net worth of BDT 2.45 billion.

Market Cap	2.45B
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, July 24, 2025.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	May 22, 2025

Share Statistics

DSE:UNITEDFIN has 187.11 million shares outstanding.

Current Share Class	187.11M
Shares Outstanding	187.11M
Shares Change (YoY)	n/a
Shares Change (QoQ)	+1.47%
Owned by Insiders (%)	29.53%
Owned by Institutions (%)	5.89%
Float	34.27M

Valuation Ratios

The trailing PE ratio is 11.62.

PE Ratio	11.62
Forward PE	n/a
PS Ratio	2.26
PB Ratio	0.77
P/TBV Ratio	0.77
P/FCF Ratio	1.78
P/OCF Ratio	1.72
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 1.38, with a Debt / Equity ratio of 2.10.

Current Ratio	1.38
Quick Ratio	1.25
Debt / Equity	2.10
Debt / EBITDA	n/a
Debt / FCF	4.85
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.65%.

Return on Equity (ROE)	6.65%
Return on Assets (ROA)	0.76%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	1.31M
Profits Per Employee	254,545
Employee Count	829
Asset Turnover	0.04
Inventory Turnover	n/a

Taxes

In the past 12 months, DSE:UNITEDFIN has paid 104.39 million in taxes.

Income Tax	104.39M
Effective Tax Rate	33.10%

Stock Price Statistics

The stock price has increased by +11.97% in the last 52 weeks. The beta is 0.26, so DSE:UNITEDFIN's price volatility has been lower than the market average.

Beta (5Y)	0.26
52-Week Price Change	+11.97%
50-Day Moving Average	12.14
200-Day Moving Average	12.97
Relative Strength Index (RSI)	61.77
Average Volume (20 Days)	745,734

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, DSE:UNITEDFIN had revenue of BDT 1.08 billion and earned 211.02 million in profits. Earnings per share was 1.13.

Revenue	1.08B
Gross Profit	1.05B
Operating Income	315.41M
Pretax Income	315.41M
Net Income	211.02M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.13

Balance Sheet

The company has 2.93 billion in cash and 6.69 billion in debt, giving a net cash position of -3.75 billion or -20.07 per share.

Cash & Cash Equivalents	2.93B
Total Debt	6.69B
Net Cash	-3.75B
Net Cash Per Share	-20.07
Equity (Book Value)	3.18B
Book Value Per Share	17.01
Working Capital	6.64B

Cash Flow

In the last 12 months, operating cash flow was 1.42 billion and capital expenditures -45.62 million, giving a free cash flow of 1.38 billion.

Operating Cash Flow	1.42B
Capital Expenditures	-45.62M
Free Cash Flow	1.38B
FCF Per Share	7.37

Margins

Gross margin is 96.61%, with operating and profit margins of 29.10% and 19.47%.

Gross Margin	96.61%
Operating Margin	29.10%
Pretax Margin	29.10%
Profit Margin	19.47%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	127.23%

Dividends & Yields

This stock pays an annual dividend of 1.00, which amounts to a dividend yield of 7.63%.

Dividend Per Share	1.00
Dividend Yield	7.63%
Dividend Growth (YoY)	66.67%
Years of Dividend Growth	1
Payout Ratio	53.59%
Buyback Yield	n/a
Shareholder Yield	7.63%
Earnings Yield	8.61%
FCF Yield	56.26%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on March 19, 2018. It was a forward split with a ratio of 1.05.

Last Split Date	Mar 19, 2018
Split Type	Forward
Split Ratio	1.05

Scores

Altman Z-Score	n/a
Piotroski F-Score	6