United Finance Limited

DSE:UNITEDFIN Stock Report

Market Cap: ৳2.6b

United Finance Past Earnings Performance

Past criteria checks 4/6

United Finance's earnings have been declining at an average annual rate of -11%, while the Consumer Finance industry saw earnings growing at 14.3% annually. Revenues have been growing at an average rate of 0.9% per year. United Finance's return on equity is 5.1%, and it has net margins of 17.3%.

Key information

-11.0%

Earnings growth rate

-11.0%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate0.9%
Return on equity5.1%
Net Margin17.3%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How United Finance makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DSE:UNITEDFIN Revenue, expenses and earnings (BDT Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 249431636040
30 Jun 249011636010
31 Mar 248361395960
31 Dec 238241436020
30 Sep 237541166030
30 Jun 237631226070
31 Mar 237821306130
31 Dec 228111436110
30 Sep 228531366050
30 Jun 228451605780
31 Mar 228632185410
31 Dec 217902225120
30 Sep 217512514800
30 Jun 217532544770
31 Mar 216872034680
31 Dec 207462114680
30 Sep 207241654720
30 Jun 207511624800
31 Mar 208282034820
31 Dec 198902454690
30 Sep 199712404780
30 Jun 191,0043054590
31 Mar 199672914380
31 Dec 189222774490
30 Sep 188882874270
30 Jun 188172394160
31 Mar 188062504030
31 Dec 177982564030
30 Sep 177932814050
30 Jun 177952813970
31 Mar 178133083930
31 Dec 168183133700
30 Sep 168573453590
30 Jun 168603593510
31 Mar 168453483290
31 Dec 158263433150
30 Sep 157442893040
30 Jun 158103262900
31 Mar 158153272810
31 Dec 148083242730
30 Sep 147793182530
30 Jun 146962822370
31 Mar 146782712270
31 Dec 136712662270

Quality Earnings: UNITEDFIN has high quality earnings.

Growing Profit Margin: UNITEDFIN's current net profit margins (17.3%) are higher than last year (15.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: UNITEDFIN's earnings have declined by 11% per year over the past 5 years.

Accelerating Growth: UNITEDFIN's earnings growth over the past year (40.8%) exceeds its 5-year average (-11% per year).

Earnings vs Industry: UNITEDFIN earnings growth over the past year (40.8%) exceeded the Consumer Finance industry 12.4%.

Return on Equity

High ROE: UNITEDFIN's Return on Equity (5.1%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/20 22:01
End of Day Share Price 2024/12/19 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

United Finance Limited is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution