DSE/UNITEDFIN (DSE/UNITEDFIN)

Dhaka Stock Exchange: DSE/UNITEDFIN · BDT

BDT 15.8

+0.50 (+3.3%)· Recorded snapshot

Market cap	2.9B
Revenue (ttm)	1.1B
Net income (ttm)	221.8M
EPS (ttm)	BDT 1.20
Shares out	187.1M
P/E (trailing)	13.2x
Dividend	BDT 1.00 (6.33%)
Volume	305,157
Beta	0.15

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.1B
Net income (ttm): 221.8M
EPS (ttm): BDT 1.20
P/E (trailing): 13.2x
Market cap: 2.9B

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/E13.2

P25 n/aP50 n/aP75 n/a

ROE6.9

P25 n/aP50 n/aP75 n/a

ROIC2.1

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All DSE/UNITEDFIN indicators

Market & fundamental data

Available fields

203

Groups with data

Currency

BDT

Showing 203 of 203 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	2026-11-01
Employees	724
Employees change	-105
Employees growth	-12.67%
Exchange	Dhaka Stock Exchange
Financial currency	BDT
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1989
Industry	Miscellaneous business Credit Institutions
Is primary listing	Yes
ISIN number	BD0113ULC009
Last earnings date	2026-07-29
Last refreshed	2026-10-29
Last stock split date	2018-03-19
Last stock split type	Forward
Market cap	BDT 2.9B
Next earnings date	2026-11-01
Price	BDT 15.80
Price currency	BDT
SIC code	6159
Stock price date	2026-10-28
Symbol	dse/UNITEDFIN
Website	https://www.ufplc.com

Valuation

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

Metric	Value
Average P/E ratio (10Y)	15.08x
Average P/E ratio (3Y)	14.2x
Average P/E ratio (5Y)	16.63x
Earnings yield	7.6%
FCF yield	-25.18%
Graham number	21.59557
Graham upside	36.68%
Lynch fair value	BDT 6.01
Lynch upside	-61.98%
P/B ratio	0.9x
P/E ratio	13.15x
P/S ratio	2.55x
Price / tangible book value	0.9x

Profitability

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

Metric	Value
Effective tax rate	41.01%
Gross margin	96.31%
Operating margin	33.08%
Pretax margin	33.08%
Profit margin	19.51%
Profit per employee	BDT 306,338
Revenue per employee	BDT 1.6M
ROA	0.76%
ROA (5Y)	0.68%
ROE	6.91%
ROE (5Y)	5.61%
ROIC	2.12%
ROIC (5Y)	1.95%
Tax / revenue	13.56%

Growth

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

Metric	Value
EPS growth	2.36%
EPS growth (Q)	64.29%
EPS growth (QoQ)	468.27%
EPS growth 10Y	-4.99%
EPS growth 3Y	21.01%
EPS growth 5Y	-3.21%
FCF growth (Q)	-64.07%
Net income growth	2.36%
Net income growth (Q)	60.79%
Net income growth (QoQ)	464.36%
Net income growth 3Y	21.01%
Net income growth 5Y	-3.21%
OCF growth (Q)	-64.83%
Operating income growth	15.55%
Operating income growth (Q)	78.86%
Operating income growth 3Y	46.77%
Operating income growth 5Y	4.99%
Revenue growth	-2.66%
Revenue growth (Q)	12.03%
Revenue growth (QoQ)	15.92%
Revenue growth 10Y	2.07%
Revenue growth 3Y	11.43%
Revenue growth 5Y	6.98%

Financial statements

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

Metric	Value
Capital expenditures	BDT -39.2M
Depreciation and amortization	BDT 73.4M
EPS	BDT 1.20
FCF per share	BDT -3.90
Financing cash flow	BDT 776.9M
Free cash flow	BDT -730.3M
Gross profit	BDT 1.1B
Income taxes	BDT 154.2M
Investing cash flow	BDT 495.3M
Net borrowing	BDT 285.9M
Net cash flow	BDT 581M
Net income	BDT 221.8M
Operating income	BDT 376M
Revenue	BDT 1.1B

Financial strength

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

Metric	Value
Book value per share	BDT 17.25
Debt / equity	1.93
Net cash (debt)	BDT -3B
Net cash / market cap	-103.72%
Net debt / equity	0.93
Piotroski F-Score	3
Property, plant and equipment	BDT 331.4M
Shareholders' equity	BDT 3.2B
Tangible book value	BDT 3.2B
Tangible book value per share	BDT 17.25
Total assets	BDT 31.7B
Total cash	BDT 3.2B
Total debt	BDT 6.2B
Total liabilities	BDT 28.5B
WACC	1.62%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.04
Current ratio	1.57
Quick ratio	1.57
Working capital	BDT 9.9B
Working capital turnover	0.16

Dividends and buybacks

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

Metric	Value
Dividend growth	0%
Dividend growth (10Y)	8.23%
Dividend growth (3Y)	25.99%
Dividend growth (5Y)	0%
Dividend growth years	2
Dividend payment date	2026-07-29
Dividend payment years	23
Dividend payout frequency	Annual
Dividend per share	BDT 1.00
Dividend yield	6.33%
Ex-dividend date	2026-05-20
Last dividend	BDT 1.00
Payout ratio	84.29%
Shareholder yield	6.33%

Performance and technicals

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

Metric	Value
10Y price change	-13.33%
10Y return CAGR	4.09%
10Y total return	49.35%
150-day SMA	BDT 15.27
15Y price change	-46.59%
15Y return CAGR	0.1%
15Y total return	1.5%
1D price change	3.27%
1M price change	-7.6%
1M total return	-7.6%
1W price change	0.64%
1W total return	0.64%
1Y price change	22.48%
1Y return CAGR	32.71%
1Y total return	32.69%
20-day SMA	BDT 15.98
200-day SMA	BDT 14.49
20Y price change	151.39%
20Y return CAGR	8.73%
20Y total return	433.64%
3M price change	-10.23%
3M total return	-10.23%
3Y return CAGR	7.36%
3Y total return	23.74%
50-day SMA	BDT 16.71
50-day SMA vs 200-day SMA	50over200
52-week high	BDT 19.90
52-week high date	2026-08-03
52-week low	BDT 10.40
52-week low date	2025-11-16
5Y price change	-30.09%
5Y return CAGR	-1.19%
5Y total return	-5.81%
6M price change	27.42%
6M total return	38.04%
All-time high	BDT 60.61
All-time high date	2010-10-31
All-time low	BDT 1.91
All-time low date	1999-09-13
Average true range (ATR)	BDT 0.58
Average volume	400.5K
Beta (1Y)	0.07
Beta (2Y)	0.14
Beta (5Y)	0.15
Change from 52-week high	-20.6%
Change from 52-week low	51.92%
Change from all-time high	-73.93%
Change from all-time low	728.09%
Change from open	3.27%
Day's gap	0%
Dollar volume	BDT 4.8M
High price	BDT 16.00
Low price	BDT 15.30
Monthly RSI	55.58
Open price	BDT 15.30
Position in 52-week range	71.43%
Previous close	BDT 15.30
Price vs 150-day SMA	3.47%
Price vs 20-day SMA	-1.1%
Price vs 200-day SMA	9.06%
Price vs 50-day SMA	-5.47%
Relative volume	0.76
RSI	46.3
Sharpe ratio	0.76
Sharpe ratio (3Y)	0.3
Sharpe ratio (5Y)	0.24
Sortino ratio	1.51
Sortino ratio (3Y)	0.68
Sortino ratio (5Y)	0.57
Volume	305.2K
Weekly RSI	93.48
YTD price change	37.39%
YTD total return	48.84%

Ownership and float

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

Metric	Value
Float	43.8M
Shares change (QoQ)	-0.69%
Shares held by insiders	54.76%
Shares outstanding	187.1M

Deeper analysis on DSE/UNITEDFIN

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

Forecast

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

→

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.

→

Frequently asked questions

About this DSE/UNITEDFIN report

Is a complete DSE/UNITEDFIN research report available?

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

DSE/UNITEDFIN (DSE/UNITEDFIN)

Price

Financial snapshot

Fair-value bridge

Latest news · DSE/UNITEDFIN

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DSE/UNITEDFIN 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/UNITEDFIN

Frequently asked questions