United Finance PLC. (DSE:UNITEDFIN)

United Finance PLC. Statistics

Total Valuation

DSE:UNITEDFIN has a market cap or net worth of BDT 2.41 billion.

Market Cap	2.41B
Enterprise Value	n/a

Important Dates

The last earnings date was Tuesday, April 28, 2026.

Earnings Date	Apr 28, 2026
Ex-Dividend Date	May 20, 2026

Share Statistics

DSE:UNITEDFIN has 187.11 million shares outstanding. The number of shares has increased by 0.01% in one year.

Current Share Class	187.11M
Shares Outstanding	187.11M
Shares Change (YoY)	+0.01%
Shares Change (QoQ)	-8.94%
Owned by Insiders (%)	29.52%
Owned by Institutions (%)	3.30%
Float	94.76M

Valuation Ratios

The trailing PE ratio is 12.17.

PE Ratio	12.17
Forward PE	n/a
PS Ratio	2.19
PB Ratio	0.72
P/TBV Ratio	0.72
P/FCF Ratio	5.12
P/OCF Ratio	4.60
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 1.84, with a Debt / Equity ratio of 2.43.

Current Ratio	1.84
Quick Ratio	1.84
Debt / Equity	2.43
Debt / EBITDA	n/a
Debt / FCF	17.26
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.92% and return on invested capital (ROIC) is 1.87%.

Return on Equity (ROE)	5.92%
Return on Assets (ROA)	0.69%
Return on Invested Capital (ROIC)	1.87%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	1.42%
Revenue Per Employee	1.33M
Profits Per Employee	238,891
Employee Count	829
Asset Turnover	0.04
Inventory Turnover	n/a

Taxes

In the past 12 months, DSE:UNITEDFIN has paid 120.32 million in taxes.

Income Tax	120.32M
Effective Tax Rate	37.79%

Stock Price Statistics

The stock price has decreased by -7.86% in the last 52 weeks. The beta is 0.35, so DSE:UNITEDFIN's price volatility has been lower than the market average.

Beta (5Y)	0.35
52-Week Price Change	-7.86%
50-Day Moving Average	12.64
200-Day Moving Average	12.49
Relative Strength Index (RSI)	53.55
Average Volume (20 Days)	510,624

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 1.10 billion and earned 198.04 million in profits. Earnings per share was 1.06.

Revenue	1.10B
Gross Profit	1.08B
Operating Income	318.36M
Pretax Income	318.36M
Net Income	198.04M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.06

Balance Sheet

The company has 3.57 billion in cash and 8.14 billion in debt, with a net cash position of -4.57 billion or -24.42 per share.

Cash & Cash Equivalents	3.57B
Total Debt	8.14B
Net Cash	-4.57B
Net Cash Per Share	-24.42
Equity (Book Value)	3.35B
Book Value Per Share	17.90
Working Capital	11.07B

Cash Flow

In the last 12 months, operating cash flow was 524.55 million and capital expenditures -52.97 million, giving a free cash flow of 471.58 million.

Operating Cash Flow	524.55M
Capital Expenditures	-52.97M
Depreciation & Amortization	79.46M
Net Borrowing	-317.70M
Free Cash Flow	471.58M
FCF Per Share	2.52

Margins

Gross margin is 98.23%, with operating and profit margins of 28.85% and 17.94%.

Gross Margin	98.23%
Operating Margin	28.85%
Pretax Margin	28.85%
Profit Margin	17.94%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	42.73%

Dividends & Yields

This stock pays an annual dividend of 1.00, which amounts to a dividend yield of 7.75%.

Dividend Per Share	1.00
Dividend Yield	7.75%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	94.15%
Buyback Yield	-0.01%
Shareholder Yield	7.74%
Earnings Yield	8.20%
FCF Yield	19.54%

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	4