United Insurance Company Limited (DSE:UNITEDINS)

United Insurance Company Statistics

Total Valuation

DSE:UNITEDINS has a market cap or net worth of BDT 1.86 billion. The enterprise value is 1.70 billion.

Market Cap	1.86B
Enterprise Value	1.70B

Important Dates

The last earnings date was Wednesday, October 29, 2025.

Earnings Date	Oct 29, 2025
Ex-Dividend Date	May 21, 2025

Share Statistics

DSE:UNITEDINS has 44.50 million shares outstanding.

Current Share Class	44.50M
Shares Outstanding	44.50M
Shares Change (YoY)	n/a
Shares Change (QoQ)	-0.37%
Owned by Insiders (%)	53.24%
Owned by Institutions (%)	n/a
Float	17.84M

Valuation Ratios

The trailing PE ratio is 14.02.

PE Ratio	14.02
Forward PE	n/a
PS Ratio	3.45
PB Ratio	1.32
P/TBV Ratio	1.32
P/FCF Ratio	31.40
P/OCF Ratio	30.20
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.18, with an EV/FCF ratio of 28.64.

EV / Earnings	12.79
EV / Sales	3.14
EV / EBITDA	7.18
EV / EBIT	7.72
EV / FCF	28.64

Financial Position

The company has a current ratio of 0.65

Current Ratio	0.65
Quick Ratio	0.64
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.78% and return on invested capital (ROIC) is 10.12%.

Return on Equity (ROE)	9.78%
Return on Assets (ROA)	6.58%
Return on Invested Capital (ROIC)	10.12%
Return on Capital Employed (ROCE)	15.63%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.26
Inventory Turnover	n/a

Taxes

In the past 12 months, DSE:UNITEDINS has paid 85.91 million in taxes.

Income Tax	85.91M
Effective Tax Rate	39.31%

Stock Price Statistics

The stock price has increased by +0.24% in the last 52 weeks. The beta is -0.02, so DSE:UNITEDINS's price volatility has been lower than the market average.

Beta (5Y)	-0.02
52-Week Price Change	+0.24%
50-Day Moving Average	42.53
200-Day Moving Average	38.47
Relative Strength Index (RSI)	47.68
Average Volume (20 Days)	85,014

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:UNITEDINS had revenue of BDT 539.50 million and earned 132.66 million in profits. Earnings per share was 2.98.

Revenue	539.50M
Gross Profit	404.40M
Operating Income	219.66M
Pretax Income	218.57M
Net Income	132.66M
EBITDA	226.35M
EBIT	219.66M
Earnings Per Share (EPS)	2.98

Balance Sheet

The company has 163.46 million in cash and n/a in debt, giving a net cash position of 163.46 million or 3.67 per share.

Cash & Cash Equivalents	163.46M
Total Debt	n/a
Net Cash	163.46M
Net Cash Per Share	3.67
Equity (Book Value)	1.41B
Book Value Per Share	31.59
Working Capital	-280.46M

Cash Flow

In the last 12 months, operating cash flow was 61.59 million and capital expenditures -2.35 million, giving a free cash flow of 59.24 million.

Operating Cash Flow	61.59M
Capital Expenditures	-2.35M
Free Cash Flow	59.24M
FCF Per Share	1.33

Margins

Gross margin is 74.96%, with operating and profit margins of 40.72% and 24.59%.

Gross Margin	74.96%
Operating Margin	40.72%
Pretax Margin	40.51%
Profit Margin	24.59%
EBITDA Margin	41.96%
EBIT Margin	40.72%
FCF Margin	10.98%

Dividends & Yields

This stock pays an annual dividend of 1.50, which amounts to a dividend yield of 3.55%.

Dividend Per Share	1.50
Dividend Yield	3.55%
Dividend Growth (YoY)	50.00%
Years of Dividend Growth	n/a
Payout Ratio	51.03%
Buyback Yield	n/a
Shareholder Yield	3.50%
Earnings Yield	7.13%
FCF Yield	3.18%

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 April 9, 2019. It was a forward split with a ratio of 1.0595.

Last Split Date	Apr 9, 2019
Split Type	Forward
Split Ratio	1.0595

Scores

Altman Z-Score	n/a
Piotroski F-Score	4