Stock UNIONINS UNION INSURANCE CO. LTD.
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Financials Union Insurance Co. Ltd.

Equities

UNIONINS

BD0753UICL06

Multiline Insurance & Brokers

End-of-day quote Dhaka S.E.
Other stock markets
 06:00:00 2024-07-15 pm EDT 		5-day change 1st Jan Change
42 BDT +2.19% Intraday chart for Union Insurance Co. Ltd. -6.46% -25.13%
Jul. 16 Union Insurance Co. Ltd. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
May. 14 Union Insurance Co. Ltd. Recommends Cash Dividend for the Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2022 2023
Capitalization 1 1,805 2,715
Enterprise Value (EV) 1 1,617 2,593
P/E ratio 21.1 x 31 x
Yield 2.68% 1.78%
Capitalization / Revenue 2.94 x 4.28 x
EV / Revenue 2.64 x 4.09 x
EV / EBITDA 8.55 x 10.3 x
EV / FCF -15.5 x 456 x
FCF Yield -6.47% 0.22%
Price to Book 2.24 x 3.21 x
Nbr of stocks (in thousands) 48,402 48,402
Reference price 2 37.30 56.10
Announcement Date 6/13/23 7/9/24
1BDT in Million2BDT
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 335.3 423.9 583.1 641.2 613.2 634
EBITDA 1 77.88 121.5 114.4 84.03 189 252.8
EBIT 1 50.71 93.45 91.58 60.09 174.3 236.9
Operating Margin 15.12% 22.04% 15.71% 9.37% 28.43% 37.36%
Earnings before Tax (EBT) 1 44.39 92.13 86.89 51.76 171.7 236.5
Net income 1 35.72 57.87 66.96 50.14 165.6 224.1
Net margin 10.65% 13.65% 11.48% 7.82% 27.01% 35.35%
EPS 2 1.856 2.291 2.306 0.9500 1.770 1.808
Free Cash Flow 1 5.059 -26.83 -14.68 -97.87 -104.6 5.691
FCF margin 1.51% -6.33% -2.52% -15.26% -17.06% 0.9%
FCF Conversion (EBITDA) 6.5% - - - - 2.25%
FCF Conversion (Net income) 14.16% - - - - 2.54%
Dividend per Share - 0.5000 - 0.5000 1.000 1.000
Announcement Date 9/17/19 7/2/20 6/2/21 6/27/22 6/13/23 7/9/24
1BDT in Million2BDT
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 27.2 31.5 178 370 189 122
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 5.06 -26.8 -14.7 -97.9 -105 5.69
ROE (net income / shareholders' equity) 8.57% 12.6% 13.9% 8.02% 21.4% 27.1%
ROA (Net income/ Total Assets) 4.39% 7.19% 6.34% 3.37% 8.22% 10.3%
Assets 1 813.4 804.7 1,057 1,488 2,015 2,183
Book Value Per Share 2 22.60 19.10 17.40 15.40 16.70 17.50
Cash Flow per Share 2 3.770 2.800 6.500 7.960 4.290 3.310
Capex 1 21.6 73.1 44.3 100 81 30.5
Capex / Sales 6.45% 17.25% 7.6% 15.59% 13.22% 4.82%
Announcement Date 9/17/19 7/2/20 6/2/21 6/27/22 6/13/23 7/9/24
1BDT in Million2BDT
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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