United Finance (DHA:UNITEDFIN) Cyclically Adjusted Revenue per Share: BDT6.82 (As of Mar. 2026)

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DHA:UNITEDFIN United Finance PLC DHA:UNITEDFIN
64 GF Score
Price BDT18.10
GF Value BDT12.95
Valuation Significantly Overvalued
! 8 Warning Signs
View Full Analysis

What is United Finance Cyclically Adjusted Revenue per Share?

United Finance DHA:UNITEDFIN +3.43% 64 Cyclically Adjusted Revenue per Share is BDT6.82 as of Mar. 2026. GuruFocus rates DHA:UNITEDFIN with a GF Score™ of 64/100 and a GF Value™ of BDT12.95 (Significantly Overvalued). The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

United Finance's adjusted revenue per share for the three months ended in Mar. 2026 was BDT1.629. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is BDT6.82 for the trailing ten years ended in Mar. 2026.

During the past 12 months, United Finance's average Cyclically Adjusted Revenue Growth Rate was 1.90% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 2.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of United Finance was 2.50% per year. The lowest was 2.50% per year. And the median was 2.50% per year.

As of today (2026-08-02), United Finance's current stock price is BDT18.10. United Finance's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was BDT6.82. United Finance's Cyclically Adjusted PS Ratio of today is 2.65.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of United Finance was 3.20. The lowest was 1.36. And the median was 2.23.


United Finance  (DHA:UNITEDFIN) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

United Finance's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=18.10/6.82
=2.65

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of United Finance was 3.20. The lowest was 1.36. And the median was 2.23.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


United Finance Cyclically Adjusted Revenue per Share Related Terms


United Finance Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for United Finance's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

United Finance Cyclically Adjusted Revenue per Share Chart

United Finance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 6.24 6.40 6.61 6.72

United Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.69 6.71 6.73 6.72 6.82

DHA:UNITEDFIN vs V, MA, AXP: Cyclically Adjusted Revenue per Share Comparison

For the Credit Services subindustry, United Finance's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


United Finance Cyclically Adjusted PS Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, United Finance's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where United Finance's Cyclically Adjusted PS Ratio falls into.


DHA:UNITEDFIN
64GF Score
United Finance PLC DHA:UNITEDFIN
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

United Finance Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, United Finance's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.629/330.2130*330.2130
=1.629

Current CPI (Mar. 2026) = 330.2130.

United Finance Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1.314 241.018 1.800
201609 1.250 241.428 1.710
201612 1.353 241.432 1.851
201703 1.342 243.801 1.818
201706 1.278 244.955 1.723
201709 1.235 246.819 1.652
201712 1.181 246.524 1.582
201803 1.327 249.554 1.756
201806 1.344 251.989 1.761
201809 1.595 252.439 2.086
201812 1.818 251.233 2.390
201903 1.495 254.202 1.942
201906 1.424 256.143 1.836
201909 1.446 256.759 1.860
201912 1.309 256.974 1.682
202003 1.305 258.115 1.670
202006 0.916 257.797 1.173
202009 1.245 260.280 1.580
202012 1.440 260.474 1.826
202103 1.205 264.877 1.502
202106 1.187 271.696 1.443
202109 1.202 274.310 1.447
202112 1.604 278.802 1.900
202203 1.394 287.504 1.601
202206 1.470 296.311 1.638
202209 1.622 296.808 1.805
202212 1.375 296.797 1.530
202303 1.189 301.836 1.301
202306 1.431 305.109 1.549
202309 1.303 307.789 1.398
202312 1.754 306.746 1.888
202403 1.767 312.332 1.868
202406 1.552 314.175 1.631
202409 1.639 315.301 1.717
202412 2.086 315.605 2.183
202503 1.521 319.799 1.571
202506 1.294 322.561 1.325
202509 1.384 324.800 1.407
202512 2.122 324.054 2.162
202603 1.629 330.213 1.629

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of BDT6.82 mean?
United Finance (DHA:UNITEDFIN) has a Cyclically Adjusted Revenue per Share of BDT6.82 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on United Finance and its competitors.
Is United Finance's Cyclically Adjusted Revenue per Share too high?
United Finance's current Cyclically Adjusted Revenue per Share is BDT6.82. Overall, United Finance has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Finance's Cyclically Adjusted Revenue per Share compare to V and MA?
United Finance's Cyclically Adjusted Revenue per Share of BDT6.82 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Credit Services company?
A good Cyclically Adjusted Revenue per Share depends on the Credit Services industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on United Finance and its competitors. United Finance's current Cyclically Adjusted Revenue per Share is BDT6.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Finance stock overvalued right now?
Based on GuruFocus' analysis, United Finance (DHA:UNITEDFIN) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT12.95, compared to a current price of BDT18.10 — trading 39.8% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is BDT6.82. United Finance's overall GF Score™ is 64/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For United Finance (DHA:UNITEDFIN), the current Cyclically Adjusted Revenue per Share is BDT6.82 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is United Finance (DHA:UNITEDFIN) Overvalued in 2026?

Based on GuruFocus' analysis, United Finance stock appears to be overvalued. The current stock price of BDT18.10 is trading 39.8% above its estimated GF Value™ of BDT12.95. GuruFocus considers United Finance to be Significantly Overvalued.

Key valuation signals for DHA:UNITEDFIN:

  • Cyclically Adjusted Revenue per Share: BDT6.82
  • GF Value™: BDT12.95 vs. price of BDT18.10 (39.8% above fair value)
  • GF Score™: 64/100 with 8 warning signs

No single metric tells the full story. See the DHA:UNITEDFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


United Finance Business Description

Address 22 Kazi Nazrul Islam Avenue, Camellia House, Dhaka, BGD, 1000
United Finance PLC is a financial services company. The company provides financial services which includes lease finance for acquiring assets for industrial and commercial use; term loans for meeting long-term funding requirements; short-term working capital solutions and home loans. The company provides services like Deposits, Working Capital and Term Financing. It is engaged in five segments: Corporates, SMEs, Retail Borrowers, Depositors, and Investors.
64GF Score

Get the complete analysis for DHA:UNITEDFIN

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BDT18.10
Price
BDT12.95
GF Value