Bangkok Union Insurance Public Company Limited Logo

Bangkok Union Insurance Public Company Limited

BUI.BK

(2.8)
Stock Price

16,20 THB

7.7% ROA

14.99% ROE

4.8x PER

Market Cap.

651.723.140,00 THB

5.35% DER

3.42% Yield

13.02% NPM

Bangkok Union Insurance Public Company Limited Stock Analysis

Bangkok Union Insurance Public Company Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bangkok Union Insurance Public Company Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (16.23%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

The stock's low PBV ratio (0.75x) suggests it's undervalued, making it an attractive opportunity for investors.

3 DER

The stock has a minimal amount of debt (6%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

4 ROA

The stock's ROA (5.91%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

6 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

7 Dividend

The company's consistent dividend payments over the past three years indicate a strong commitment to delivering returns to investors.

8 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (529) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Bangkok Union Insurance Public Company Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bangkok Union Insurance Public Company Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Bangkok Union Insurance Public Company Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bangkok Union Insurance Public Company Limited Revenue
Year Revenue Growth
2006 105.938.971
2007 104.803.161 -1.08%
2008 240.947.222 56.5%
2009 328.776.236 26.71%
2010 482.888.337 31.91%
2011 579.026.350 16.6%
2012 767.749.018 24.58%
2013 633.114.409 -21.27%
2014 546.405.252 -15.87%
2015 659.829.782 17.19%
2016 821.110.041 19.64%
2017 869.388.100 5.55%
2018 946.230.664 8.12%
2019 1.046.659.284 9.6%
2020 922.322.812 -13.48%
2021 994.271.203 7.24%
2022 1.210.716.299 17.88%
2023 1.094.764.000 -10.59%
2023 1.074.849.198 -1.85%
2024 979.680.000 -9.71%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bangkok Union Insurance Public Company Limited Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bangkok Union Insurance Public Company Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 125.603.778
2007 135.427.209 7.25%
2008 61.451.516 -120.38%
2009 141.341.489 56.52%
2010 143.886.132 1.77%
2011 0 0%
2012 101.866.722 100%
2013 113.936.789 10.59%
2014 117.774.094 3.26%
2015 105.537.537 -11.59%
2016 105.168.616 -0.35%
2017 120.717.660 12.88%
2018 98.517.281 -22.53%
2019 113.204.726 12.97%
2020 100.222.535 -12.95%
2021 129.984.941 22.9%
2022 120.061.568 -8.27%
2023 37.064.000 -223.93%
2023 127.331.897 70.89%
2024 37.792.000 -236.93%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bangkok Union Insurance Public Company Limited EBITDA
Year EBITDA Growth
2006 36.470.496
2007 49.986.133 27.04%
2008 43.125.390 -15.91%
2009 42.033.530 -2.6%
2010 46.155.065 8.93%
2011 19.678.094 -134.55%
2012 -56.610.795 134.76%
2013 52.562.040 207.7%
2014 76.236.848 31.05%
2015 55.305.235 -37.85%
2016 10.197.507 -442.34%
2017 43.510.399 76.56%
2018 3.268.560 -1231.18%
2019 -59.819.276 105.46%
2020 -54.018.483 -10.74%
2021 74.465.641 172.54%
2022 72.626.418 -2.53%
2023 107.288.000 32.31%
2023 99.178.109 -8.18%
2024 5.972.000 -1560.72%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bangkok Union Insurance Public Company Limited Gross Profit
Year Gross Profit Growth
2006 105.938.971
2007 104.803.161 -1.08%
2008 240.947.222 56.5%
2009 328.776.236 26.71%
2010 482.888.337 31.91%
2011 579.026.350 16.6%
2012 767.749.018 24.58%
2013 633.114.409 -21.27%
2014 546.405.252 -15.87%
2015 659.829.782 17.19%
2016 821.110.041 19.64%
2017 869.388.100 5.55%
2018 946.230.664 8.12%
2019 1.046.659.284 9.6%
2020 922.322.812 -13.48%
2021 994.271.203 7.24%
2022 1.210.716.299 17.88%
2023 1.094.764.000 -10.59%
2023 1.074.849.198 -1.85%
2024 979.680.000 -9.71%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bangkok Union Insurance Public Company Limited Net Profit
Year Net Profit Growth
2006 16.520.055
2007 22.945.329 28%
2008 22.807.981 -0.6%
2009 25.036.407 8.9%
2010 28.041.938 10.72%
2011 5.859.143 -378.6%
2012 -71.512.870 108.19%
2013 30.846.426 331.84%
2014 60.516.184 49.03%
2015 44.360.932 -36.42%
2016 7.791.470 -469.35%
2017 34.964.510 77.72%
2018 3.684.707 -848.91%
2019 8.565.603 56.98%
2020 13.020.319 34.21%
2021 92.405.831 85.91%
2022 60.091.287 -53.78%
2023 144.988.000 58.55%
2023 138.667.422 -4.56%
2024 311.984.000 55.55%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bangkok Union Insurance Public Company Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 1
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 0 0%
2012 -2 100%
2013 1 0%
2014 2 100%
2015 1 0%
2016 0 0%
2017 1 100%
2018 0 0%
2019 0 0%
2020 0 0%
2021 3 100%
2022 2 -100%
2023 4 75%
2023 4 0%
2024 8 42.86%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bangkok Union Insurance Public Company Limited Free Cashflow
Year Free Cashflow Growth
2006 49.399.434
2007 69.304.107 28.72%
2008 73.659.450 5.91%
2009 83.714.987 12.01%
2010 94.728.446 11.63%
2011 -2.855.086 3417.88%
2012 -76.038.409 96.25%
2013 28.630.339 365.59%
2014 59.327.299 51.74%
2015 42.059.882 -41.05%
2016 4.653.808 -803.77%
2017 23.261.962 79.99%
2018 -1.098.334 2217.93%
2019 87.907.941 101.25%
2020 -25.283.114 447.69%
2021 126.612.275 119.97%
2022 52.658.638 -140.44%
2023 -6.093.546 964.17%
2023 -394.000 -1446.59%
2024 27.997.000 101.41%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bangkok Union Insurance Public Company Limited Operating Cashflow
Year Operating Cashflow Growth
2006 52.840.812
2007 70.516.059 25.07%
2008 77.405.599 8.9%
2009 84.769.135 8.69%
2010 98.992.525 14.37%
2011 5.859.143 -1589.54%
2012 -71.512.870 108.19%
2013 30.846.426 331.84%
2014 60.516.184 49.03%
2015 44.360.932 -36.42%
2016 7.791.470 -469.35%
2017 34.964.510 77.72%
2018 3.684.707 -848.91%
2019 95.846.325 96.16%
2020 -23.843.297 501.98%
2021 126.924.583 118.79%
2022 60.091.287 -111.22%
2023 909.416 -6507.68%
2023 0 0%
2024 28.012.000 100%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bangkok Union Insurance Public Company Limited Capital Expenditure
Year Capital Expenditure Growth
2006 3.441.378
2007 1.211.952 -183.95%
2008 3.746.149 67.65%
2009 1.054.148 -255.37%
2010 4.264.079 75.28%
2011 8.714.229 51.07%
2012 4.525.539 -92.56%
2013 2.216.087 -104.21%
2014 1.188.885 -86.4%
2015 2.301.050 48.33%
2016 3.137.662 26.66%
2017 11.702.548 73.19%
2018 4.783.041 -144.67%
2019 7.938.384 39.75%
2020 1.439.817 -451.35%
2021 312.308 -361.02%
2022 7.432.649 95.8%
2023 7.002.962 -6.14%
2023 394.000 -1677.4%
2024 15.000 -2526.67%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bangkok Union Insurance Public Company Limited Equity
Year Equity Growth
2006 581.907.859
2007 584.130.110 0.38%
2008 470.183.828 -24.23%
2009 546.204.953 13.92%
2010 606.953.720 10.01%
2011 583.733.075 -3.98%
2012 488.267.855 -19.55%
2013 537.128.006 9.1%
2014 600.115.972 10.5%
2015 683.270.810 12.17%
2016 659.668.646 -3.58%
2017 702.561.509 6.11%
2018 701.881.121 -0.1%
2019 688.525.688 -1.94%
2020 699.983.809 1.64%
2021 781.487.235 10.43%
2022 801.283.536 2.47%
2023 885.938.000 9.56%
2023 883.446.130 -0.28%
2024 953.629.000 7.36%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bangkok Union Insurance Public Company Limited Assets
Year Assets Growth
2006 1.120.671.780
2007 1.090.424.005 -2.77%
2008 954.478.847 -14.24%
2009 976.471.085 2.25%
2010 1.098.740.831 11.13%
2011 2.116.104.878 48.08%
2012 1.769.576.462 -19.58%
2013 1.526.099.184 -15.95%
2014 1.481.288.398 -3.03%
2015 1.573.300.494 5.85%
2016 1.512.827.113 -4%
2017 2.054.460.573 26.36%
2018 1.956.281.074 -5.02%
2019 1.969.493.794 0.67%
2020 1.732.175.559 -13.7%
2021 1.834.678.274 5.59%
2022 2.157.677.042 14.97%
2023 2.215.578.000 2.61%
2023 1.999.758.799 -10.79%
2024 1.766.839.000 -13.18%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bangkok Union Insurance Public Company Limited Liabilities
Year Liabilities Growth
2006 538.763.921
2007 506.293.895 -6.41%
2008 484.295.019 -4.54%
2009 430.266.132 -12.56%
2010 491.787.111 12.51%
2011 1.532.371.803 67.91%
2012 1.281.308.607 -19.59%
2013 988.971.178 -29.56%
2014 881.172.426 -12.23%
2015 890.029.684 1%
2016 853.158.467 -4.32%
2017 1.351.899.064 36.89%
2018 1.254.399.953 -7.77%
2019 113.993.837 -1000.41%
2020 1.032.191.750 88.96%
2021 1.053.191.039 1.99%
2022 1.356.393.506 22.35%
2023 1.329.640.000 -2.01%
2023 1.116.312.669 -19.11%
2024 813.210.000 -37.27%

Bangkok Union Insurance Public Company Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
25.27
Net Income per Share
3.29
Price to Earning Ratio
4.8x
Price To Sales Ratio
0.63x
POCF Ratio
8.03
PFCF Ratio
8.15
Price to Book Ratio
0.68
EV to Sales
0.39
EV Over EBITDA
20.59
EV to Operating CashFlow
5.01
EV to FreeCashFlow
5.08
Earnings Yield
0.21
FreeCashFlow Yield
0.12
Market Cap
0,65 Bil.
Enterprise Value
0,41 Bil.
Graham Number
41.37
Graham NetNet
-17.95

Income Statement Metrics

Net Income per Share
3.29
Income Quality
0.6
ROE
0.15
Return On Assets
0.08
Return On Capital Employed
0.01
Net Income per EBT
0.82
EBT Per Ebit
9.55
Ebit per Revenue
0.02
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0.12
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.02
Pretax Profit Margin
0.16
Net Profit Margin
0.13

Dividends

Dividend Yield
0.03
Dividend Yield %
3.42
Payout Ratio
0.07
Dividend Per Share
0.54

Operating Metrics

Operating Cashflow per Share
1.97
Free CashFlow per Share
1.94
Capex to Operating CashFlow
0.01
Capex to Revenue
0
Capex to Depreciation
0.29
Return on Invested Capital
0.01
Return on Tangible Assets
0.08
Days Sales Outstanding
84.88
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
4.3
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.03

Balance Sheet

Cash per Share
8,15
Book Value per Share
23,12
Tangible Book Value per Share
23.01
Shareholders Equity per Share
23.12
Interest Debt per Share
1.24
Debt to Equity
0.05
Debt to Assets
0.03
Net Debt to EBITDA
-12.42
Current Ratio
1.3
Tangible Asset Value
0,95 Bil.
Net Current Asset Value
-0,24 Bil.
Invested Capital
444141000
Working Capital
0,13 Bil.
Intangibles to Total Assets
0
Average Receivables
0,19 Bil.
Average Payables
0,13 Bil.
Average Inventory
-840783500
Debt to Market Cap
0.08

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bangkok Union Insurance Public Company Limited Dividends
Year Dividends Growth
2001 1
2003 1 0%
2004 1 0%
2005 2 100%
2006 1 0%
2007 1 0%
2008 1 100%
2009 1 0%
2010 1 0%
2011 1 0%
2014 1 0%
2015 1 0%
2016 2 100%
2018 1 0%
2020 0 0%
2021 0 0%
2022 2 100%
2023 1 0%
2024 1 0%

Bangkok Union Insurance Public Company Limited Profile

About Bangkok Union Insurance Public Company Limited

Bangkok Union Insurance Public Company Limited provides non-life insurance products for retail and corporate customers in Thailand. The company underwrites fire, marine and transportation, and motor insurance, as well as reinsurance products. It also underwrites miscellaneous insurance comprising property all risks, health, personal accident, public liability, plat glass, golfer's indemnity, burglary, money, and fidelity guarantee insurance products; and engineer liability policies, including contract work, machinery, boiler, contractor's equipment, and electronic equipment insurance products. In addition, it is also involved in the rental of office space. The company was incorporated in 1929 and is headquartered in Bangkok, Thailand.

CEO
Ms. Sujintana Champeesri
Employee
175
Address
175–177 Bangkok Union Insurance Bldg
Bangkok, 10500

Bangkok Union Insurance Public Company Limited Executives & BODs

Bangkok Union Insurance Public Company Limited Executives & BODs
# Name Age
1 Ms. Walaipatch Wongsoontom
Company Secretary
70
2 Ms. Tanyaratt Iamsopana
MD & Executive Director
70
3 Ms. Malinee Leophairatana
Executive Director
70
4 Ms. Kobkul Wongsantimeth
Manager of Underwriting Department
70
5 Ms. Sunee Khunvoratham
Manager of Human Resources Department & Acting Manager of MDs
70
6 Mr. Issra Choovisit
Director & Company Secretary
70
7 Mr. Prachai Leophairatana
Executive Director
70
8 Mr. Maneeratt Iamsopana
Executive Director
70
9 Ms. Sujintana Champeesri
Manager of Finance & Accountancy Department and Executive Director
70
10 Mr. Pakorn Leophairatana
Executive Director
70

Bangkok Union Insurance Public Company Limited Competitors