UNITEDINS United Insurance Company Limited
Insurance
Tk 54.4 as of 2026-11-12 14:08:26
Rank 67 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 98
Profitability 66
Solvency 57
Valuation 47
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Strengths
- Consistency EPS grew in 4 of 4 years
- Consistency Paid a dividend every year (5/5)
- Profitability Net profit growing 20.29% a year
Concerns
- Profitability Average ROE only 7.28% (below 9%: capital not working hard)
- Valuation P/E 14.2 is high (above 12)
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Mid cap (Tk 200-1,000 cr)
Valuation
P/E
P/E audited
P/E current
P/B
NAV per share
EPS (last audited year)
Graham fair value
Margin of safety
52-week range
54.6% above the low, 25.2% below the high. Near the low is only interesting if profit is intact (see concerns above) and the fall has a temporary cause.
Quality and growth
ROE
ROE avg
ROE min
Profit CAGR
Profit YoY
Net profit
EPS up
Loss years (last ~5)
Dividends and safety
Div years
Dividend yield
Payout
Cash div
D/E
Their loans are deposits; NPL data is not available
Loans/MCap
Size, liquidity and ownership
MCap
Free float
Daily turnover
Sponsor %
Inst. %
Public %
Foreign %
Shareholding
- Sponsor/director 59.9%
- Institution 19.4%
- Public 20.7%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 1.65 | 36.45 | 7 | 10 | 0 |
| 2022 | 1.75 | 32.68 | 8 | 10 | 0 |
| 2023 | 1.78 | 31.42 | 8 | 10 | 0 |
| 2024 | 2.26 | 30.59 | 10 | 15 | 0 |
| 2025 | 3.46 | 31.04 | 15 | 15 | 0 |
Fiscal year ends December. EPS, NAV and profit are as audited by the company and published by DSE. Financials last fetched: 14/11/2026.
Shariah screen (partial)
Business screen and the debt ratio (loans / market cap 0%, limit 33%) are automated. Interest income (under 5% of revenue) and cash/investment ratios must be checked in the annual report.
Educational, not investment advice. Verify on DSE and StockNow before making any decision.