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)

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

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

Metric

Value

Amount currency

BDT

Country

Bangladesh

Country code

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

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

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

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%

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%

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%

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%

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

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

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%

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

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%

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

Metric

Value

Asset turnover

0.04

Current ratio

1.57

Quick ratio

1.57

Working capital

BDT 9.9B

Working capital turnover

0.16

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%

Metric

Value

Dividend growth

Dividend growth (10Y)

8.23%

Dividend growth (3Y)

25.99%

Dividend growth (5Y)

Dividend growth years

Dividend payment date

2026-07-29

Dividend payment years

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%

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%

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

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%

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

Metric

Value

Float

43.8M

Shares change (QoQ)

-0.69%

Shares held by insiders

54.76%

Shares outstanding

187.1M

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