Financials United Commercial Bank PLC

Equities

UCB

BD0108UCBL05

Banks

End-of-day quote Dhaka S.E. 06:00:00 2024-04-24 pm EDT 5-day change 1st Jan Change
10.7 BDT -0.93% Intraday chart for United Commercial Bank PLC -6.14% -13.71%

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 24,877 18,553 15,422 17,167 19,559 18,281
Enterprise Value (EV) 1 38,031 46,838 43,053 60,008 89,797 111,627
P/E ratio 9.14 x 6.97 x 5.4 x 5.82 x 7.98 x 5.54 x
Yield 4.24% - 3.95% 3.55% - 3.85%
Capitalization / Revenue 1.57 x 1.18 x 0.86 x 0.89 x 0.88 x 0.76 x
EV / Revenue 2.41 x 2.97 x 2.41 x 3.1 x 4.06 x 4.64 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.93 x 0.65 x 0.46 x 0.48 x 0.52 x 0.46 x
Nbr of stocks (in thousands) 1,476,548 1,476,548 1,476,548 1,476,548 1,476,548 1,476,548
Reference price 2 16.85 12.56 10.44 11.63 13.25 12.38
Announcement Date 4/24/18 4/30/19 8/17/20 6/8/21 4/8/22 4/30/23
1BDT in Million2BDT
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 15,804 15,775 17,854 19,384 22,123 24,083
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 5,836 5,142 5,167 5,244 5,228 5,533
Net income 1 2,722 2,660 2,858 2,949 2,452 3,299
Net margin 17.23% 16.86% 16.01% 15.21% 11.08% 13.7%
EPS 2 1.844 1.801 1.935 1.997 1.660 2.234
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.7139 - 0.4123 0.4123 - 0.4762
Announcement Date 4/24/18 4/30/19 8/17/20 6/8/21 4/8/22 4/30/23
1BDT in Million2BDT
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 13,154 28,285 27,632 42,841 70,237 93,346
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 10.3% 9.61% 8.96% 8.53% 6.71% 8.51%
ROA (Net income/ Total Assets) 0.78% 0.69% 0.67% 0.62% 0.46% 0.55%
Assets 1 347,359 384,108 427,111 474,092 534,607 601,943
Book Value Per Share 2 18.20 19.30 22.60 24.20 25.30 27.20
Cash Flow per Share 2 14.30 11.50 9.820 16.30 16.10 12.20
Capex 1 518 1,299 1,423 1,360 3,495 1,635
Capex / Sales 3.28% 8.24% 7.97% 7.02% 15.8% 6.79%
Announcement Date 4/24/18 4/30/19 8/17/20 6/8/21 4/8/22 4/30/23
1BDT in Million2BDT
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Chiffre d''affaires - Rate of surprise

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