Stock UNITEDINS UNITED INSURANCE COMPANY LIMITED
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Financials United Insurance Company Limited

Equities

UNITEDINS

BD0703UNITD2

Multiline Insurance & Brokers

End-of-day quote Dhaka S.E.
Other stock markets
 23:00:00 15/05/2024 BST 		5-day change 1st Jan Change
38.8 BDT -1.27% Intraday chart for United Insurance Company Limited +2.37% -13.39%
05-06 United Insurance Company Limited Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
2023 United Insurance Company Limited Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 1,252 1,054 2,603 2,448 2,924 2,034
Enterprise Value (EV) 1 817.4 576.8 2,087 2,277 2,631 1,789
P/E ratio 12.3 x 6.15 x 35.8 x 22.2 x 14.6 x -16.5 x
Yield 3.69% 2.81% 1.88% 2% 1.52% 2.19%
Capitalization / Revenue 3.03 x 1.19 x 6.61 x 5.94 x 5.48 x 8.23 x
EV / Revenue 1.98 x 0.65 x 5.3 x 5.53 x 4.93 x 7.24 x
EV / EBITDA 6.13 x 0.97 x 18.4 x 14.1 x 10.4 x -25.7 x
EV / FCF -22.8 x -1.81 x 33.4 x 13.7 x 27.5 x 17.2 x
FCF Yield -4.39% -55.2% 2.99% 7.31% 3.64% 5.8%
Price to Book 0.99 x 0.76 x 1.84 x 1.66 x 1.8 x 1.4 x
Nbr of stocks (in thousands) 44,499 44,499 44,500 44,500 44,500 44,500
Reference price 2 28.13 23.69 58.50 55.00 65.70 45.70
Announcement Date 18/04/18 15/04/19 11/07/20 04/04/21 07/04/22 27/04/23
1BDT in Million2BDT
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 412.6 889 393.7 411.7 533.7 247.1
EBITDA 1 133.3 593 113.7 161.2 253.8 -69.55
EBIT 1 128.5 586.8 107.3 154.6 247.3 -76.26
Operating Margin 31.15% 66.01% 27.25% 37.55% 46.34% -30.86%
Earnings before Tax (EBT) 1 127.4 197.1 106.3 153.7 246.3 -76.69
Net income 1 102.1 171.4 72.67 110.3 199.6 -123.4
Net margin 24.75% 19.28% 18.46% 26.78% 37.41% -49.94%
EPS 2 2.295 3.853 1.633 2.478 4.486 -2.773
Free Cash Flow 1 -35.85 -318.6 62.49 166.4 95.83 103.8
FCF margin -8.69% -35.84% 15.87% 40.43% 17.96% 42.01%
FCF Conversion (EBITDA) - - 54.95% 103.28% 37.76% -
FCF Conversion (Net income) - - 85.99% 150.96% 48% -
Dividend per Share 2 1.038 0.6654 1.100 1.100 1.000 1.000
Announcement Date 18/04/18 15/04/19 11/07/20 04/04/21 07/04/22 27/04/23
1BDT in Million2BDT
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 - - - - - -
Net Cash position 1 434 477 516 171 293 245
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 -35.9 -319 62.5 166 95.8 104
ROE (net income / shareholders' equity) 8.3% 13% 5.19% 7.63% 12.9% -8.02%
ROA (Net income/ Total Assets) 5.55% 23.3% 3.92% 5.23% 7.65% -2.29%
Assets 1 1,840 735.8 1,854 2,107 2,611 5,400
Book Value Per Share 2 28.30 31.10 31.90 33.00 36.40 32.70
Cash Flow per Share 2 9.820 10.80 12.80 5.020 7.590 6.390
Capex 1 125 10.7 58.1 10.9 3.81 11.7
Capex / Sales 30.36% 1.2% 14.76% 2.66% 0.71% 4.74%
Announcement Date 18/04/18 15/04/19 11/07/20 04/04/21 07/04/22 27/04/23
1BDT in Million2BDT
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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