UTTARAFIN Uttara Finance And Investment Company Limited
Financial Institutions
Tk 11 as of 2026-11-12 14:00:00
Rank 71 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 99
Profitability 85
Solvency 92
Valuation 100
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 Average ROE 15.57% (efficient: above 13% for banks/insurers)
- Profitability Net profit growing 21.02% a year
- Valuation P/E 1.16 is low (banks/insurers benchmark ≤ 8)
- Valuation Trades near book value (P/NAV 0.17x)
- Valuation Price is 91% below the Graham fair value (Tk 116.8)
- Ownership Institutions (31.54%) hold more than the public (16.2%)
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Category Z (poor/defaulting: gambling favourite, avoid for long-term)
- Small cap (< Tk 200 cr): most exposed to manipulation and volatility
- Thin trading (last day ~Tk 0.05 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
23.6% above the low, 28.6% 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 44.4%
- Institution 31.5%
- Foreign 7.8%
- Public 16.2%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2015 | 4.41 | 41.87 | 55 | 30 | 0 |
| 2016 | 6.62 | 45.49 | 83 | 30 | 0 |
| 2017 | 7.25 | 49.74 | 91 | 30 | 0 |
| 2018 | 8.27 | 55 | 103 | 20 | 0 |
| 2019 | 9.45 | 62.45 | 118 | 15 | 5 |
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 530.4%, 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.