DSE/UNIONINS (DSE/UNIONINS)

Dhaka Stock Exchange: DSE/UNIONINS · BDT

BDT 44.7

+1.60 (+3.7%)· Recorded snapshot

Market cap	2.2B
Revenue (ttm)	606.1M
Net income (ttm)	96.2M
EPS (ttm)	BDT 1.99
Shares out	48.4M
P/E (trailing)	22.5x
Dividend	BDT 1.00 (2.24%)
Volume	109,740
Beta	-0.05

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 606.1M
Net income (ttm): 96.2M
EPS (ttm): BDT 1.99
P/E (trailing): 22.5x
Market cap: 2.2B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E22.5

P25 n/aP50 n/aP75 n/a

ROE38.3

P25 n/aP50 n/aP75 n/a

ROIC37.7

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All DSE/UNIONINS indicators

Market & fundamental data

Available fields

206

Groups with data

Currency

BDT

Showing 206 of 206 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	BDT
Country	Bangladesh
Country code	BD
Earnings date	2026-11-03
Employees	570
Employees change	-26
Employees growth	-4.36%
Enterprise value	BDT 2.1B
Exchange	Dhaka Stock Exchange
Financial currency	BDT
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	2000
Industry	Fire, Marine, and Casualty Insurance
Is primary listing	Yes
ISIN number	BD0753UICL06
Last earnings date	2026-07-23
Last refreshed	2026-10-29
Market cap	BDT 2.2B
Next earnings date	2026-11-03
Price	BDT 44.70
Price currency	BDT
SIC code	6331
Stock price date	2026-10-28
Symbol	dse/UNIONINS
Website	https://www.unioninsurancebd.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (3Y)	23.01x
Average P/E ratio (5Y)	26.13x
Earnings yield	4.45%
EV/Earnings	21.41x
EV/EBIT	5.34x
EV/EBITDA	5.17x
EV/FCF	27.63x
EV/Sales	3.4x
FCF / EV yield	3.62%
FCF yield	3.45%
Graham number	30.25011
Graham upside	-32.33%
Industry P/E	21.2x
Lynch fair value	BDT 18.17
Lynch upside	-59.35%
P/B ratio	2.18x
P/E ratio	22.49x
P/FCF ratio	29.01x
P/OCF ratio	26.61x
P/S ratio	3.57x
Price / tangible book value	2.18x
Price/EBITDA ratio	5.43x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	63.72%
EBITDA margin	65.75%
Effective tax rate	4.54%
FCF margin	12.31%
Gross margin	105.01%
Operating margin	63.72%
Pretax margin	63.97%
Profit margin	61.06%
Profit per employee	BDT 168,819
Revenue per employee	BDT 1.1M
ROA	14.42%
ROA (5Y)	10.74%
ROCE	38.99%
ROE	38.29%
ROE (5Y)	29.54%
ROIC	37.73%
ROIC (5Y)	28.95%
Tax / revenue	2.9%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	0.57%
EPS growth (Q)	17.02%
EPS growth (QoQ)	-18.83%
EPS growth 3Y	-6.86%
EPS growth 5Y	-1.47%
FCF growth	82.04%
FCF growth (Q)	3,658.5%
FCF growth (QoQ)	21.99%
FCF growth 5Y	-7.19%
Net income growth	48.82%
Net income growth (Q)	17.99%
Net income growth (QoQ)	-18.2%
Net income growth 3Y	-6.8%
Net income growth 5Y	9.14%
OCF growth	56.51%
OCF growth (Q)	130.54%
OCF growth (QoQ)	30.69%
OCF growth 3Y	21.58%
OCF growth 5Y	-11.83%
Revenue growth	-16.19%
Revenue growth (Q)	-19.27%
Revenue growth (QoQ)	51.65%
Revenue growth 3Y	-3.98%
Revenue growth 5Y	0.78%

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	BDT -6.7M
EBIT	BDT 386.2M
EBITDA	BDT 398.5M
EPS	BDT 1.99
FCF per share	BDT 1.54
Financing cash flow	BDT -46.4M
Free cash flow	BDT 74.6M
Gross profit	BDT 636.5M
Income taxes	BDT 17.6M
Investing cash flow	BDT -33.4M
Net cash flow	BDT 1.5M
Net income	BDT 96.2M
Operating income	BDT 386.2M
Revenue	BDT 606.1M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	BDT 20.47
Debt / equity	0
Interest coverage	1,561.58
Net cash (debt)	BDT 103M
Net cash / market cap	4.76%
Net cash growth	1.51%
Net debt / EBITDA	-0.26
Net debt / equity	-0.1
Net debt / FCF	-1.38
Piotroski F-Score	3
Property, plant and equipment	BDT 121.1M
Shareholders' equity	BDT 990.6M
Tangible book value	BDT 990.6M
Tangible book value per share	BDT 20.47
Total assets	BDT 1.8B
Total cash	BDT 103M
Total debt	BDT 0
Total liabilities	BDT 764.1M
WACC	3.98%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.36
Current ratio	2.02
Net working capital	BDT 678.5M
Quick ratio	2.02
Working capital	BDT 781.6M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-0.14%
Dividend growth	0%
Dividend growth (3Y)	0%
Dividend growth years	0
Dividend payment date	2026-09-24
Dividend payment years	5
Dividend payout frequency	Annual
Dividend per share	BDT 1.00
Dividend yield	2.24%
Ex-dividend date	2026-06-28
FCF payout ratio	64.9%
Last dividend	BDT 1.00
Payout ratio	12.53%
Shareholder yield	2.1%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	BDT 42.82
1D price change	3.71%
1M price change	-8.3%
1M total return	-8.3%
1W price change	-2.49%
1W total return	-2.49%
1Y price change	33.44%
1Y return CAGR	36.84%
1Y total return	36.82%
20-day SMA	BDT 45.80
200-day SMA	BDT 41.15
3M price change	-14.82%
3M total return	-14.82%
3Y price change	-34.8%
3Y return CAGR	-10.76%
3Y total return	-28.95%
50-day SMA	BDT 47.45
50-day SMA vs 200-day SMA	50over200
52-week high	BDT 57.00
52-week high date	2026-07-19
52-week low	BDT 27.00
52-week low date	2025-11-16
6M price change	17.12%
6M total return	20.09%
All-time high	BDT 78.70
All-time high date	2023-09-25
All-time low	BDT 11.00
All-time low date	2022-01-16
Average true range (ATR)	BDT 1.81
Average volume	203K
Beta (1Y)	-0.2
Beta (2Y)	-0.31
Beta (5Y)	-0.05
Change from 52-week high	-21.58%
Change from 52-week low	65.56%
Change from all-time high	-45.24%
Change from all-time low	291.82%
Change from open	2.29%
Day's gap	1.39%
Dollar volume	BDT 4.9M
High price	BDT 45.00
Low price	BDT 43.40
Monthly RSI	56.33
Open price	BDT 43.70
Position in 52-week range	81.25%
Previous close	BDT 43.10
Price vs 150-day SMA	0.65%
Price vs 20-day SMA	-5.9%
Price vs 200-day SMA	4.73%
Price vs 50-day SMA	-9.17%
Relative volume	0.54
RSI	44.74
Sharpe ratio	0.8
Sharpe ratio (3Y)	0.04
Sortino ratio	1.4
Sortino ratio (3Y)	0.2
Volume	109.7K
Weekly RSI	0
YTD price change	17.44%
YTD total return	20.41%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Shares change (QoQ)	0.78%
Shares change (YoY)	0.14%
Shares outstanding	48.4M

Deeper analysis on DSE/UNIONINS

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this DSE/UNIONINS report

Is a complete DSE/UNIONINS research report available?

No complete published report is available for dse/UNIONINS (DSE/UNIONINS) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

DSE/UNIONINS (DSE/UNIONINS)

Price

Financial snapshot

Fair-value bridge

Latest news · DSE/UNIONINS

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DSE/UNIONINS indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on DSE/UNIONINS

Frequently asked questions