DSE : UNIONCAP
Union Capital Limited — Financial statements
Security Brokers, Dealers, and Flotation Companies · Bangladesh
Last price 4.5 BDT (At close: Oct 29, 2026) · Market cap 776.58M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Technical report: trend, RSI, support and resistance, charts
Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 247.84M | 233.52M | 266.71M | 405.85M | 441.53M | 700.50M |
| Total Interest Expense | 886.45M | 945.75M | 890.43M | 804.44M | 931.46M | 1.12B |
| Net Interest Income | -638.60M | -712.23M | -623.72M | -398.59M | -489.93M | -415.86M |
| Commissions and Fees | 71.97M | 55.40M | 68.59M | 79.77M | 150.12M | 211.92M |
| Other Revenue | 564.14K | 564.14K | 1.02M | 1.42M | 1.32M | 4.70M |
| Revenue Before Loan Losses | -566.07M | -656.27M | -554.11M | -317.40M | -338.49M | -199.24M |
| Provision for Loan Losses | -277.56M | -454.61M | 1.25B | 5.46B | 1.44B | 863.07M |
| Revenue | -288.52M | -201.67M | -1.80B | -5.78B | -1.77B | -1.06B |
| Salaries & Employee Benefits | 144.92M | 157.78M | 164.82M | 164.77M | 175.35M | 164.88M |
| Cost of Services Provided | 24.23M | 24.02M | 24.86M | 22.31M | 18.01M | 27.95M |
| Other Operating Expenses | 15.89M | 3.62M | 12.63M | 7.13M | 18.99M | 33.20M |
| Total Operating Expenses | 209.87M | 211.26M | 234.35M | 229.62M | 249.00M | 265.64M |
| Operating Income | -498.39M | -412.92M | -2.04B | -6.01B | -2.02B | -1.33B |
| EBT Excluding Unusual Items | -498.90M | -412.92M | -2.04B | -6.01B | -2.02B | -1.33B |
| Gain (Loss) on Sale of Investments | -15.27M | -15.21M | -14.12M | -30.38M | -3.10M | 1.44M |
| Pretax Income | -513.77M | -427.73M | -2.05B | -6.04B | -2.03B | -1.33B |
| Income Tax Expense | 1.34M | -2.77M | 22.27M | 29.10M | 35.36M | 58.66M |
| Earnings From Continuing Ops. | -515.10M | -424.96M | -2.07B | -6.07B | -2.06B | -1.39B |
| Minority Interest in Earnings | 5.00 | 12.00 | 22.00 | 97.00 | 432.00 | -10.00 |
| Net Income | -515.10M | -424.96M | -2.07B | -6.07B | -2.06B | -1.39B |
| Net Income to Common | -515.10M | -424.96M | -2.07B | -6.07B | -2.06B | -1.39B |
| Shares Outstanding (Basic) | 172.57M | 172.57M | 172.57M | 172.57M | 172.57M | 172.57M |
| Shares Outstanding (Diluted) | 172.57M | 172.57M | 172.57M | 172.57M | 172.57M | 172.57M |
| EPS (Basic) | -2.98 | -2.46 | -11.99 | -35.17 | -11.95 | -8.03 |
| EPS (Diluted) | -2.98 | -2.46 | -11.99 | -35.17 | -11.95 | -8.03 |
| Free Cash Flow | 88.86M | 274.65M | 517.75M | 370.80M | 210.22M | -149.47M |
| Free Cash Flow Per Share | 0.52 | 1.59 | 3.00 | 2.15 | 1.22 | -0.87 |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 1.95B | 1.95B | 1.66B | 1.46B | 1.34B | 1.33B |
| Long-Term Investments | 565.78M | 517.63M | 542.35M | 531.99M | 547.59M | 594.12M |
| Loans & Lease Receivables | 11.51B | 11.52B | 11.67B | 12.35B | 13.00B | 13.36B |
| Property, Plant & Equipment | 359.39M | 362.64M | 388.36M | 411.84M | 436.44M | 429.48M |
| Other Intangible Assets | 15.81K | 350.46K | 868.97K | 899.86K | 867.29K | |
| Other Long-Term Assets | 793.93M | 844.62M | 1.19B | 1.21B | 1.19B | 1.24B |
| Total Assets | 15.18B | 15.19B | 15.46B | 15.97B | 16.51B | 16.95B |
| Interest Bearing Deposits | 7.70B | 7.79B | 7.94B | 8.14B | 8.35B | 8.65B |
| Non-Interest Bearing Deposits | 112.58M | 87.58M | 45.24M | 18.92M | 124.96M | 140.79M |
| Total Deposits | 7.81B | 7.88B | 7.98B | 8.16B | 8.48B | 8.79B |
| Long-Term Debt | 2.67B | 2.60B | 2.60B | 2.92B | 3.21B | 3.62B |
| Long-Term Leases | 1.65M | 2.17M | 5.17M | 6.28M | 9.16M | 4.09M |
| Other Long-Term Liabilities | 16.37B | 16.02B | 15.74B | 13.70B | 7.55B | 5.21B |
| Total Liabilities | 26.85B | 26.50B | 26.33B | 24.78B | 19.25B | 17.62B |
| Common Stock | 1.73B | 1.73B | 1.73B | 1.73B | 1.73B | 1.73B |
| Retained Earnings | -13.39B | -13.03B | -12.60B | -10.53B | -4.46B | -2.40B |
| Total Common Equity | -11.67B | -11.30B | -10.88B | -8.81B | -2.74B | -674.02M |
| Minority Interest | -345.00 | -343.00 | -330.00 | -308.00 | -210.00 | 222.00 |
| Shareholders' Equity | -11.67B | -11.30B | -10.88B | -8.81B | -2.74B | -674.02M |
| Total Liabilities & Equity | 15.18B | 15.19B | 15.46B | 15.97B | 16.51B | 16.95B |
| Total Debt | 2.67B | 2.60B | 2.61B | 2.92B | 3.22B | 3.62B |
| Net Cash (Debt) | -713.34M | -652.43M | -945.63M | -1.46B | -1.88B | -2.29B |
| Net Cash Per Share | -4.13 | -3.78 | -5.48 | -8.45 | -10.88 | -13.29 |
| Filing Date Shares Outstanding | 172.57M | 172.57M | 172.57M | 172.57M | 172.57M | 172.57M |
| Total Common Shares Outstanding | 172.57M | 172.57M | 172.57M | 172.57M | 172.57M | 172.57M |
| Working Capital | 5.65B | 5.59B | 5.35B | 5.66B | 5.86B | 5.90B |
| Book Value Per Share | -67.61 | -65.49 | -63.02 | -51.03 | -15.86 | -3.91 |
| Tangible Book Value | -11.67B | -11.30B | -10.88B | -8.81B | -2.74B | -674.89M |
| Tangible Book Value Per Share | -67.61 | -65.49 | -63.02 | -51.03 | -15.86 | -3.91 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -515.10M | -424.96M | -2.07B | -6.07B | -2.06B | -1.39B |
| Depreciation & Amortization | 22.72M | 23.81M | 30.32M | 33.84M | 35.51M | 38.49M |
| Other Amortization | 395.38K | 395.38K | ||||
| Loss (Gain) From Sale of Investments | -1.27M | 24.97M | 13.56M | 9.89M | -2.99M | -46.82M |
| Provision for Credit Losses | -277.56M | -454.61M | 1.25B | 5.46B | 1.44B | 863.07M |
| Change in Income Taxes | -15.82M | -30.31M | -20.66M | -20.73M | -31.79M | -44.86M |
| Change in Other Net Operating Assets | 247.74M | 519.52M | 760.16M | 501.46M | 411.40M | 225.54M |
| Other Operating Activities | 628.83M | 617.00M | 565.05M | 458.80M | 444.29M | 219.78M |
| Operating Cash Flow | 89.52M | 275.41M | 523.59M | 378.14M | 230.42M | -130.62M |
| Capital Expenditures | -662.79K | -761.33K | -5.84M | -7.34M | -20.19M | -18.85M |
| Sale of Property, Plant & Equipment | 11.88M | 401.74K | 3.16M | 1.47M | 1.01M | |
| Investment in Securities | -40.57M | 14.95M | -9.80M | 36.10M | 52.61M | 452.13M |
| Other Investing Activities | -1.00 | |||||
| Investing Cash Flow | -29.35M | 14.59M | -12.47M | 30.23M | 32.42M | 434.29M |
| Long-Term Debt Issued | 70.00M | 55.00M | 57.60M | 40.00M | ||
| Total Debt Issued | 65.78M | 70.00M | 55.00M | 57.60M | 40.00M | |
| Long-Term Debt Repaid | -74.18M | -366.08M | -344.86M | -248.24M | -219.50M | |
| Total Debt Repaid | 27.61M | -74.18M | -366.08M | -344.86M | -248.24M | -219.50M |
| Net Debt Issued (Repaid) | 93.39M | -4.18M | -311.08M | -287.26M | -248.24M | -179.50M |
| Financing Cash Flow | 93.39M | -4.18M | -311.08M | -287.26M | -248.24M | -179.50M |
| Net Cash Flow | 153.56M | 285.83M | 200.03M | 121.11M | 14.60M | 124.17M |
| Free Cash Flow | 88.86M | 274.65M | 517.75M | 370.80M | 210.22M | -149.47M |
| Free Cash Flow Per Share | 0.52 | 1.59 | 3.00 | 2.15 | 1.22 | -0.87 |
| Cash Interest Paid | 259.21M | 331.30M | 355.80M | 371.63M | 537.37M | 967.43M |
| Cash Income Tax Paid | 31.82M | 30.31M | 20.66M | 20.73M | 31.79M | 44.86M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 776.58M | 448.69M | 1.07B | 1.54B | 1.71B | 1.71B |
| PS Ratio | 7.86 | -2.23 | -0.59 | -0.27 | -0.96 | -1.61 |
| PB Ratio | -0.04 | -0.10 | -0.17 | -0.62 | -2.54 | |
| P/FCF Ratio | 1.63 | 2.07 | 4.14 | 8.13 | ||
| P/OCF Ratio | 1.63 | 2.04 | 4.06 | 7.42 | ||
| Debt / Equity Ratio | -0.23 | -0.23 | -0.24 | -0.33 | -1.18 | -5.37 |
| Debt / FCF Ratio | 30.02 | 9.47 | 5.04 | 7.88 | 15.32 | |
| Net Debt / Equity Ratio | -0.06 | -0.06 | -0.09 | -0.17 | -0.69 | -3.40 |
| Net Debt / FCF Ratio | 8.03 | 2.38 | 1.83 | 3.93 | 8.93 | -15.35 |
| Quick Ratio | 1.72 | 1.71 | 1.67 | 1.69 | 1.69 | 1.67 |
| Current Ratio | 1.72 | 1.71 | 1.67 | 1.69 | 1.69 | 1.67 |
| Return on Equity (ROE) | -7,380.01% | |||||
| Return on Assets (ROA) | -3.38% | -2.77% | -13.17% | -37.37% | -12.33% | -8.14% |
| Earnings Yield | -15.45% | -94.71% | -193.47% | -395.19% | -120.71% | -81.10% |
| FCF Yield | -10.59% | 61.21% | 48.39% | 24.14% | 12.31% | -8.75% |