United Finance PLC. (DSE:UNITEDFIN)

United Finance PLC. Statistics

Total Valuation

DSE:UNITEDFIN has a market cap or net worth of BDT 2.25 billion.

Market Cap	2.25B
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.

Current Share Class	187.11M
Shares Outstanding	187.11M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	32.01%
Owned by Institutions (%)	3.30%
Float	90.10M

Valuation Ratios

The trailing PE ratio is 11.24.

PE Ratio	11.24
Forward PE	n/a
PS Ratio	2.19
PB Ratio	0.67
P/TBV Ratio	0.67
P/FCF Ratio	28.49
P/OCF Ratio	15.87
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 1.37, with a Debt / Equity ratio of 2.12.

Current Ratio	1.37
Quick Ratio	1.25
Debt / Equity	2.12
Debt / EBITDA	n/a
Debt / FCF	90.43
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.96% and return on invested capital (ROIC) is 1.81%.

Return on Equity (ROE)	5.96%
Return on Assets (ROA)	0.72%
Return on Invested Capital (ROIC)	1.81%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	1.48%
Revenue Per Employee	1.24M
Profits Per Employee	241,056
Employee Count	829
Asset Turnover	0.04
Inventory Turnover	n/a

Taxes

In the past 12 months, DSE:UNITEDFIN has paid 127.38 million in taxes.

Income Tax	127.38M
Effective Tax Rate	38.93%

Stock Price Statistics

Beta (5Y)	0.35
52-Week Price Change	n/a
50-Day Moving Average	12.61
200-Day Moving Average	12.50
Relative Strength Index (RSI)	38.17
Average Volume (20 Days)	548,693

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 1.03 billion and earned 199.84 million in profits. Earnings per share was 1.07.

Revenue	1.03B
Gross Profit	981.85M
Operating Income	327.22M
Pretax Income	327.22M
Net Income	199.84M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.07

Balance Sheet

The company has 2.70 billion in cash and 7.13 billion in debt, with a net cash position of -4.43 billion or -23.67 per share.

Cash & Cash Equivalents	2.70B
Total Debt	7.13B
Net Cash	-4.43B
Net Cash Per Share	-23.67
Equity (Book Value)	3.36B
Book Value Per Share	17.94
Working Capital	7.18B

Cash Flow

In the last 12 months, operating cash flow was 141.52 million and capital expenditures -62.71 million, giving a free cash flow of 78.81 million.

Operating Cash Flow	141.52M
Capital Expenditures	-62.71M
Depreciation & Amortization	73.70M
Net Borrowing	471.28M
Free Cash Flow	78.81M
FCF Per Share	0.42

Margins

Gross margin is 95.60%, with operating and profit margins of 31.86% and 19.46%.

Gross Margin	95.60%
Operating Margin	31.86%
Pretax Margin	31.86%
Profit Margin	19.46%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	7.67%

Dividends & Yields

This stock pays an annual dividend of 1.00, which amounts to a dividend yield of 8.33%.

Dividend Per Share	1.00
Dividend Yield	8.33%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	93.33%
Buyback Yield	n/a
Shareholder Yield	8.33%
Earnings Yield	8.90%
FCF Yield	3.51%

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	3