UNITED COMMERCIAL BANK PLC |
End-of-day quote
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|
5-day change | 1st Jan Change | ||
| 10.7 BDT | 0.00% |
|
0.00% | -13.71% |
| 30/04 | United Commercial Bank PLC Recommends Dividend for the Year Ended December 31, 2023 | CI |
| 30/04 | United Commercial Bank PLC Reports Earnings Results for the First Quarter Ended March 31, 2024 | CI |
Valuation
| Fiscal Period: December | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Capitalization 1 | 18,553 | 15,422 | 17,167 | 19,559 | 18,281 | 18,309 |
| Enterprise Value (EV) 1 | 46,838 | 43,053 | 60,008 | 89,797 | 1,11,627 | 66,367 |
| P/E ratio | 6.97 x | 5.4 x | 5.82 x | 7.98 x | 5.54 x | 8.14 x |
| Yield | - | 3.95% | 3.55% | - | 3.85% | 4.03% |
| Capitalization / Revenue | 1.18 x | 0.86 x | 0.89 x | 0.88 x | 0.76 x | 0.67 x |
| EV / Revenue | 2.97 x | 2.41 x | 3.1 x | 4.06 x | 4.64 x | 2.44 x |
| EV / EBITDA | - | - | - | - | - | - |
| EV / FCF | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - |
| Price to Book | 0.65 x | 0.46 x | 0.48 x | 0.52 x | 0.46 x | 0.44 x |
| Nbr of stocks (in thousands) | 14,76,548 | 14,76,548 | 14,76,548 | 14,76,548 | 14,76,548 | 14,76,548 |
| Reference price 2 | 12.56 | 10.44 | 11.63 | 13.25 | 12.38 | 12.40 |
| Announcement Date | 30/04/19 | 17/08/20 | 08/06/21 | 08/04/22 | 30/04/23 | 29/04/24 |
1BDT in Million2BDT
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Net sales 1 | 15,775 | 17,854 | 19,384 | 22,123 | 24,083 | 27,175 |
| EBITDA | - | - | - | - | - | - |
| EBIT | - | - | - | - | - | - |
| Operating Margin | - | - | - | - | - | - |
| Earnings before Tax (EBT) 1 | 5,142 | 5,167 | 5,244 | 5,228 | 5,533 | 5,037 |
| Net income 1 | 2,660 | 2,858 | 2,949 | 2,452 | 3,299 | 2,198 |
| Net margin | 16.86% | 16.01% | 15.21% | 11.08% | 13.7% | 8.09% |
| EPS 2 | 1.801 | 1.935 | 1.997 | 1.660 | 2.234 | 1.523 |
| Free Cash Flow | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - |
| Dividend per Share | - | 0.4123 | 0.4123 | - | 0.4762 | 0.5000 |
| Announcement Date | 30/04/19 | 17/08/20 | 08/06/21 | 08/04/22 | 30/04/23 | 29/04/24 |
1BDT in Million2BDT
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Net Debt 1 | 28,285 | 27,632 | 42,841 | 70,237 | 93,346 | 48,058 |
| Net Cash position 1 | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | 9.61% | 8.96% | 8.53% | 6.71% | 8.51% | 5.38% |
| ROA (Net income/ Total Assets) | 0.69% | 0.67% | 0.62% | 0.46% | 0.55% | 0.33% |
| Assets 1 | 3,84,108 | 4,27,111 | 4,74,092 | 5,34,607 | 6,01,943 | 6,60,555 |
| Book Value Per Share 2 | 19.30 | 22.60 | 24.20 | 25.30 | 27.20 | 28.20 |
| Cash Flow per Share 2 | 11.50 | 9.820 | 16.30 | 16.10 | 12.20 | 15.20 |
| Capex 1 | 1,299 | 1,423 | 1,360 | 3,495 | 1,635 | 3,811 |
| Capex / Sales | 8.24% | 7.97% | 7.02% | 15.8% | 6.79% | 14.02% |
| Announcement Date | 30/04/19 | 17/08/20 | 08/06/21 | 08/04/22 | 30/04/23 | 29/04/24 |
1BDT in Million2BDT
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Change in Enterprise Value/EBITDA
Chiffre d''affaires - Rate of surprise
| 1st Jan change | Capi. | |
|---|---|---|
| -13.71% | 144M | |
| +22.59% | 210B | |
| -0.27% | 71.91B | |
| +20.06% | 50.04B | |
| +4.01% | 48.24B | |
| +28.80% | 46.21B | |
| +10.90% | 36.11B | |
| -15.79% | 35.65B | |
| -96.60% | 32.24B | |
| +12.06% | 26.31B |
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