DSE/UNITEDINS (DSE/UNITEDINS)

Dhaka Stock Exchange: DSE/UNITEDINS · BDT

BDT 55.0

-0.20 (-0.4%)· Recorded snapshot

Market cap	2.4B
Revenue (ttm)	679.7M
Net income (ttm)	170.3M
EPS (ttm)	BDT 3.83
Shares out	44.5M
P/E (trailing)	14.4x
Dividend	BDT 1.50 (2.73%)
Volume	65,375
Beta	-0.04

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 679.7M
Net income (ttm): 170.3M
EPS (ttm): BDT 3.83
P/E (trailing): 14.4x
Market cap: 2.4B

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/E14.4

P25 n/aP50 n/aP75 n/a

ROE11.3

P25 n/aP50 n/aP75 n/a

ROIC10.8

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All DSE/UNITEDINS indicators

Market & fundamental data

Available fields

217

Groups with data

Currency

BDT

Showing 217 of 217 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	148
Enterprise value	BDT 2.3B
Exchange	Dhaka Stock Exchange
Financial currency	BDT
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	1985
Industry	Insurance Carriers
Is primary listing	Yes
ISIN number	BD0703UNITD2
Last earnings date	2026-07-16
Last refreshed	2026-10-29
Last stock split date	2019-04-09
Last stock split type	Forward
Market cap	BDT 2.4B
Next earnings date	2026-11-03
Price	BDT 55.00
Price currency	BDT
SIC code	6300
Stock price date	2026-10-29
Symbol	dse/UNITEDINS
Website	https://www.unitedinsurance.com.bd

Valuation

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

Metric	Value
Average P/E ratio (10Y)	16.36x
Average P/E ratio (3Y)	16.37x
Average P/E ratio (5Y)	15.37x
Earnings yield	6.96%
EV/Earnings	13.5x
EV/EBIT	8.52x
EV/EBITDA	8x
EV/FCF	15.64x
EV/Sales	3.38x
FCF / EV yield	6.39%
FCF yield	5.99%
Graham number	56.01507
Graham upside	1.48%
Lynch fair value	BDT 28.28
Lynch upside	-48.78%
P/B ratio	1.52x
P/E ratio	14.37x
P/FCF ratio	16.7x
P/OCF ratio	11.39x
P/S ratio	3.61x
Price / tangible book value	1.52x
Price/EBITDA ratio	8.86x

Profitability

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

Metric	Value
EBIT margin	39.71%
EBITDA margin	40.8%
Effective tax rate	36.6%
FCF margin	21.64%
Gross margin	69.63%
Operating margin	39.71%
Pretax margin	39.53%
Profit margin	25.06%
Profit per employee	BDT 1.2M
Revenue per employee	BDT 4.6M
ROA	7.05%
ROA (5Y)	4.26%
ROCE	16.65%
ROE	11.26%
ROE (5Y)	5.68%
ROIC	10.8%
ROIC (5Y)	6.19%
Tax / revenue	14.47%

Growth

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

Metric	Value
EPS growth	28.41%
EPS growth (Q)	5.8%
EPS growth (QoQ)	-58.29%
EPS growth 10Y	3.29%
EPS growth 5Y	7.39%
FCF growth	148.24%
FCF growth (QoQ)	-87.51%
FCF growth 3Y	42.91%
FCF growth 5Y	10.06%
Net income growth	28.41%
Net income growth (Q)	5.95%
Net income growth (QoQ)	-58.35%
Net income growth 5Y	7.39%
OCF growth	250%
OCF growth (QoQ)	-90.05%
OCF growth 3Y	60.41%
OCF growth 5Y	16.06%
Revenue growth	25.98%
Revenue growth (Q)	23.18%
Revenue growth (QoQ)	-4.73%
Revenue growth 10Y	3.79%
Revenue growth 3Y	35.98%
Revenue growth 5Y	9.84%

Financial statements

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

Metric	Value
Capital expenditures	BDT -68.5M
EBIT	BDT 269.9M
EBITDA	BDT 277.3M
EPS	BDT 3.83
FCF per share	BDT 3.30
Financing cash flow	BDT -66.6M
Free cash flow	BDT 147.1M
Gross profit	BDT 473.2M
Income taxes	BDT 98.3M
Investing cash flow	BDT -155.8M
Net cash flow	BDT -6.9M
Net income	BDT 170.3M
Operating income	BDT 269.9M
Revenue	BDT 679.7M

Financial strength

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

Metric	Value
Book value per share	BDT 36.43
Debt / equity	0
Net cash (debt)	BDT 156.6M
Net cash / market cap	6.37%
Net cash growth	-4.2%
Net debt / EBITDA	-0.56
Net debt / equity	-0.1
Net debt / FCF	-1.06
Piotroski F-Score	5
Property, plant and equipment	BDT 178.6M
Shareholders' equity	BDT 1.6B
Tangible book value	BDT 1.6B
Tangible book value per share	BDT 36.43
Total assets	BDT 2.6B
Total cash	BDT 156.6M
Total debt	BDT 0
Total liabilities	BDT 971.1M
WACC	4.05%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.28
Current ratio	0.53
Net working capital	BDT -608.6M
Quick ratio	0.53
Working capital	BDT -452M

Dividends and buybacks

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

Metric	Value
Dividend growth	0%
Dividend growth (10Y)	10.23%
Dividend growth (3Y)	14.47%
Dividend growth (5Y)	6.4%
Dividend growth years	1
Dividend payment date	2026-07-29
Dividend payment years	18
Dividend payout frequency	Annual
Dividend per share	BDT 1.50
Dividend yield	2.73%
Ex-dividend date	2026-05-21
FCF payout ratio	45.39%
Last dividend	BDT 1.50
Payout ratio	39.1%
Shareholder yield	2.72%

Performance and technicals

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

Metric	Value
10Y price change	133.09%
10Y return CAGR	12.23%
10Y total return	216.97%
150-day SMA	BDT 51.18
15Y price change	6.18%
15Y return CAGR	3.39%
15Y total return	64.91%
1D price change	-0.36%
1M price change	-13.93%
1M total return	-13.93%
1W price change	-2.14%
1W total return	-2.14%
1Y price change	28.81%
1Y return CAGR	33.56%
1Y total return	33.53%
20-day SMA	BDT 57.02
200-day SMA	BDT 49.01
20Y price change	574.27%
20Y return CAGR	12.56%
20Y total return	966.38%
3M price change	7.42%
3M total return	7.42%
3Y price change	-8.79%
3Y return CAGR	0.38%
3Y total return	1.16%
50-day SMA	BDT 59.86
50-day SMA vs 200-day SMA	50over200
52-week high	BDT 72.70
52-week high date	2026-08-06
52-week low	BDT 35.20
52-week low date	2025-11-16
5Y price change	-19%
5Y return CAGR	-1.21%
5Y total return	-5.92%
6M price change	10.89%
6M total return	14.95%
All-time high	BDT 141.58
All-time high date	2010-12-06
All-time low	BDT 2.70
All-time low date	1999-09-20
Average true range (ATR)	BDT 2.25
Average volume	95.6K
Beta (1Y)	0.08
Beta (2Y)	-0.17
Beta (5Y)	-0.04
Change from 52-week high	-24.35%
Change from 52-week low	56.25%
Change from all-time high	-61.15%
Change from all-time low	1,939.3%
Dollar volume	BDT 3.6M
High price	BDT 55.90
Low price	BDT 54.70
Monthly RSI	58.85
Position in 52-week range	25%
Previous close	BDT 55.20
Price vs 150-day SMA	7.46%
Price vs 20-day SMA	-3.54%
Price vs 200-day SMA	12.22%
Price vs 50-day SMA	-8.12%
Relative volume	0.62
RSI	39.47
Sharpe ratio	0.76
Sharpe ratio (3Y)	0.45
Sharpe ratio (5Y)	0.19
Sortino ratio	1.43
Sortino ratio (3Y)	0.9
Sortino ratio (5Y)	0.48
Volume	65.4K
Weekly RSI	96.8
YTD price change	35.8%
YTD total return	40.78%

Ownership and float

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

Metric	Value
Float	13.4M
Shares change (QoQ)	-0.15%
Shares held by insiders	53.24%
Shares outstanding	44.5M

Deeper analysis on DSE/UNITEDINS

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.

→

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.

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Frequently asked questions

About this DSE/UNITEDINS report

Is a complete DSE/UNITEDINS research report available?

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

DSE/UNITEDINS (DSE/UNITEDINS)

Price

Financial snapshot

Fair-value bridge

Latest news · DSE/UNITEDINS

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DSE/UNITEDINS 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/UNITEDINS

Frequently asked questions