dfcu Limited

UGSE:DFCU Stock Report

Market Cap: USh250.6b

dfcu Past Earnings Performance

Past criteria checks 2/6

dfcu has been growing earnings at an average annual rate of 33.1%, while the Banks industry saw earnings growing at 19.8% annually. Revenues have been growing at an average rate of 15.6% per year. dfcu's return on equity is 9.8%, and it has net margins of 18.2%.

Key information

33.14%

Earnings growth rate

33.14%

EPS growth rate

Banks Industry Growth10.63%
Revenue growth rate15.61%
Return on equity9.77%
Net Margin18.20%
Last Earnings Update31 Dec 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

UGSE:DFCU Revenue, expenses and earnings (UGX Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Dec 25411,96074,99400
30 Sep 25398,25669,6096,2160
30 Jun 25384,55164,22412,4310
31 Mar 25378,23968,15612,4310
31 Dec 24371,92772,08712,4310
30 Sep 24336,02456,94210,7250
30 Jun 24300,12041,796203,7570
31 Mar 24285,60135,258203,7570
31 Dec 23271,08128,7209,0180
30 Sep 23286,26334,37794,2450
30 Jun 23301,44540,034179,4720
31 Mar 23282,61934,755179,4720
31 Dec 22263,79329,476179,4720
30 Sep 22214,3129,374158,9820
30 Jun 22164,830-10,728138,4920
31 Mar 22177,119-708138,4920
31 Dec 21189,4089,312138,4920
30 Sep 21211,28121,545137,4010
30 Jun 21233,15433,778162,6560
31 Mar 21228,13928,928162,6560
31 Dec 20223,12424,077136,3090
30 Sep 20245,02345,457145,3250
30 Jun 20266,92166,836154,3410
31 Mar 20276,81970,119154,3410
31 Dec 19286,71673,402154,3410
30 Sep 19278,80764,185162,9230
30 Jun 19270,89854,967171,5050
31 Mar 19278,79057,938171,5050
31 Dec 18286,68260,908171,5050
30 Sep 18211,28047,687175,5460
30 Jun 18135,87834,466179,5870
31 Mar 18176,95770,679179,5870
31 Dec 17218,035106,892179,5870
30 Sep 17268,951121,474137,5690
30 Jun 17319,867136,05595,5510
31 Mar 17237,56590,69095,5510
31 Dec 16155,26345,32495,5510
30 Sep 16154,12845,13791,3800
30 Jun 16152,99244,94987,2090
31 Mar 16144,72340,12087,2090
31 Dec 15136,45335,29087,2090
30 Sep 15137,12335,98181,5130

Quality Earnings: DFCU has high quality earnings.

Growing Profit Margin: DFCU's current net profit margins (18.2%) are lower than last year (19.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: DFCU's earnings have grown significantly by 33.1% per year over the past 5 years.

Accelerating Growth: DFCU's earnings growth over the past year (4%) is below its 5-year average (33.1% per year).

Earnings vs Industry: DFCU earnings growth over the past year (4%) did not outperform the Banks industry 13.6%.

Return on Equity

High ROE: DFCU's Return on Equity (9.8%) 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 Analysis2026/06/30 19:07
End of Day Share Price 2026/06/30 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

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.

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 Github.

Analyst Sources

dfcu Limited is covered by 1 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
Muammar IsmailyEFG-Hermes Research