Annuncio • Mar 31
dfcu Limited, Annual General Meeting, Jul 01, 2026 dfcu Limited, Annual General Meeting, Jul 01, 2026. New Risk • Mar 23
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended June 2025. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Minor Risks Latest financial reports are more than 6 months old (reported June 2025 fiscal period end). Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Market cap is less than US$100m (USh229.7b market cap, or US$60.9m). New Risk • Oct 22
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Ugandan stocks, typically moving 3.4% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (3.4% average weekly change). Market cap is less than US$100m (USh222.5b market cap, or US$64.1m). Valuation Update With 7 Day Price Move • Oct 22
Investor sentiment improves as stock rises 21% After last week's 21% share price gain to USh319, the stock trades at a trailing P/E ratio of 3.7x. Average trailing P/E is 7x in the Banks industry in Africa. Total loss to shareholders of 37% over the past three years. New Risk • Oct 07
New minor risk - Dividend sustainability The company has an unstable dividend paying track record. The dividend has had an annual drop of over 20% in the past. Dividend yield: 7.6% This is considered a minor risk. If the company has cut or reduced its dividend in the past, it may be a sign that the underlying business is too cyclical to consistently maintain or grow the dividend over the long-term. It may also indicate the company prioritizes other outcomes instead of maintaining the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Market cap is less than US$100m (USh197.5b market cap, or US$57.5m). New Risk • Apr 10
New minor risk - Dividend sustainability The company has an unstable dividend paying track record. The dividend has had an annual drop of over 20% in the past. Dividend yield: 8.4% This is considered a minor risk. If the company has cut or reduced its dividend in the past, it may be a sign that the underlying business is too cyclical to consistently maintain or grow the dividend over the long-term. It may also indicate the company prioritizes other outcomes instead of maintaining the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 3.3% per year over the past 5 years. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Market cap is less than US$100m (USh178.8b market cap, or US$48.5m). Reported Earnings • Apr 02
Full year 2024 earnings released: EPS: USh96.35 (vs USh38.39 in FY 2023) Full year 2024 results: EPS: USh96.35 (up from USh38.39 in FY 2023). Revenue: USh372.6b (up 38% from FY 2023). Net income: USh72.1b (up 151% from FY 2023). Profit margin: 19% (up from 11% in FY 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 67% per year but the company’s share price has fallen by 24% per year, which means it is significantly lagging earnings. New Risk • Mar 25
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended June 2024. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 20% per year over the past 5 years. Minor Risks Latest financial reports are more than 6 months old (reported June 2024 fiscal period end). Market cap is less than US$100m (USh178.8b market cap, or US$48.8m). Reported Earnings • Sep 10
First half 2024 earnings released: EPS: USh56.69 (vs USh39.21 in 1H 2023) First half 2024 results: EPS: USh56.69 (up from USh39.21 in 1H 2023). Revenue: USh177.5b (up 20% from 1H 2023). Net income: USh42.4b (up 45% from 1H 2023). Profit margin: 24% (up from 20% in 1H 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 37% per year but the company’s share price has fallen by 27% per year, which means it is significantly lagging earnings. Upcoming Dividend • Aug 02
Upcoming dividend of USh9.10 per share Eligible shareholders must have bought the stock before 09 August 2024. Payment date: 30 August 2024. Payout ratio is a comfortable 24% and this is well supported by cash flows. Trailing yield: 4.0%. Lower than top quartile of Ugandan dividend payers (15%). Lower than average of industry peers (5.2%). Annuncio • Jun 27
dfcu Limited, Annual General Meeting, Jul 11, 2024 dfcu Limited, Annual General Meeting, Jul 11, 2024, at 11:00 E. Africa Standard Time. Location: at hotel africana, kampala, Uganda Reported Earnings • Mar 29
Full year 2023 earnings released: EPS: USh38.39 (vs USh39.40 in FY 2022) Full year 2023 results: EPS: USh38.39 (down from USh39.40 in FY 2022). Revenue: USh274.5b (up 2.1% from FY 2022). Net income: USh28.7b (down 2.6% from FY 2022). Profit margin: 11% (in line with FY 2022). Revenue is forecast to grow 17% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Banks industry in Africa. Over the last 3 years on average, earnings per share has increased by 16% per year but the company’s share price has fallen by 29% per year, which means it is significantly lagging earnings. New Risk • Mar 11
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended June 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (3.0% average weekly change). Earnings have declined by 25% per year over the past 5 years. Minor Risks Latest financial reports are more than 6 months old (reported June 2023 fiscal period end). Market cap is less than US$100m (USh168.3b market cap, or US$43.1m). Upcoming Dividend • Jul 31
Upcoming dividend of USh8.19 per share at 3.1% yield Eligible shareholders must have bought the stock before 07 August 2023. Payment date: 30 August 2023. Trailing yield: 3.1%. Lower than top quartile of Ugandan dividend payers (15%). Lower than average of industry peers (5.6%). Board Change • Nov 16
No independent directors Following the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 6 non-independent directors. Non-Executive Director Aminah Zawedde was the last director to join the board, commencing their role in 2020. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model. Price Target Changed • Apr 27
Price target decreased to USh495 Down from USh989, the current price target is provided by 1 analyst. New target price is 11% below last closing price of USh555. Stock is down 6.7% over the past year. The company posted earnings per share of USh32.18 last year. Board Change • Apr 27
No independent directors Following the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 6 non-independent directors. Non-Executive Director Aminah Zawedde was the last director to join the board, commencing their role in 2020. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model. Upcoming Dividend • Aug 20
Upcoming dividend of USh17.38 per share Eligible shareholders must have bought the stock before 27 August 2021. Payment date: 09 September 2021. Trailing yield: 3.0%. Lower than top quartile of Ugandan dividend payers (7.8%). Lower than average of industry peers (3.5%). Is New 90 Day High Low • Feb 23
New 90-day low: USh620 The company is down 1.0% from its price of USh629 on 25 November 2020. The Ugandan market is up 5.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 2.0% over the same period. Is New 90 Day High Low • Dec 21
New 90-day low: USh623 The company is down 2.0% from its price of USh635 on 22 September 2020. The Ugandan market is down 1.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 21% over the same period. Is New 90 Day High Low • Nov 09
New 90-day low: USh629 The company is down 2.0% from its price of USh640 on 11 August 2020. The Ugandan market is flat over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 9.0% over the same period. Is New 90 Day High Low • Oct 05
New 90-day low: USh633 The company is down 2.0% from its price of USh645 on 07 July 2020. The Ugandan market is down 1.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 4.0% over the same period. 