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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)

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

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

Metric

Value

Amount currency

BDT

Country

Bangladesh

Country code

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

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

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

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%

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%

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%

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%

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

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

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%

Metric

Value

Book value per share

BDT 20.47

Debt / equity

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

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%

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

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

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%

Metric

Value

Buyback yield / dilution

-0.14%

Dividend growth

Dividend growth (3Y)

Dividend growth years

Dividend payment date

2026-09-24

Dividend payment years

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%

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%

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

YTD price change

17.44%

YTD total return

20.41%

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

Metric

Value

Shares change (QoQ)

0.78%

Shares change (YoY)

0.14%

Shares outstanding

48.4M

DSE/UNIONINS (DSE/UNIONINS)

Price

Financial snapshot

Fair-value bridge

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Valuation

Profitability

Balance sheet

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All DSE/UNIONINS indicators

Profile and market data

Valuation

Profitability

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Performance and technicals

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Deeper analysis on DSE/UNIONINS

Frequently asked questions