Bangkok Union Insurance Public Co. Ltd.(TH:BUI)
฿11.80-0.30 (-2.48%)
TH:BUI
Bangkok Union Insurance Public Co. Ltd. financials statements
฿11.80
At close:-0.30 (-2.48%)
Bangkok Union Insurance Public Co. Ltd. (BUI) Ratios
Bangkok Union Insurance Public Co. Ltd. Ratios
TH:BUI's free cash flow for Q2 2026 was ฿40.43M. For the 2026 fiscal year, TH:BUI's free cash flow was decreased by ฿-93.89K and operating cash flow was ฿40.52M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 6.01 | 2.82 | 1.66 | 5.46 | 7.86 |
| Quick Ratio | 6.01 | 4.70 | 2.62 | 8.78 | 12.45 |
| Cash Ratio | 4.11 | 0.61 | 0.58 | 1.95 | 2.33 |
| Solvency Ratio | 0.09 | 0.19 | 0.13 | 0.06 | 0.11 |
| Operating Cash Flow Ratio | 2.06 | -0.17 | 0.00 | 0.42 | 1.45 |
| Short-Term Operating Cash Flow Coverage | 0.00 | -38.17 | 0.71 | 43.32 | 95.42 |
| Net Current Asset Value | ฿ -315.01M | ฿ -10.60M | ฿ -381.20M | ฿ -566.44M | ฿ -363.72M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.02 | 0.03 | 0.03 | 0.02 | 0.03 |
| Debt-to-Equity Ratio | 0.04 | 0.05 | 0.06 | 0.07 | 0.07 |
| Debt-to-Capital Ratio | 0.04 | 0.04 | 0.05 | 0.06 | 0.07 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 1.71 | 1.82 | 2.26 | 2.69 | 2.35 |
| Debt Service Coverage Ratio | 29.70 | 125.23 | 113.10 | 58.68 | 85.90 |
| Interest Coverage Ratio | 35.17 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt to Market Cap | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Debt Per Share | 1.04 | 1.22 | 1.25 | 1.61 | 1.65 |
| Net Debt to EBITDA | -3.07 | -0.67 | -1.18 | -2.45 | -0.90 |
| Profitability Margins | |||||
| Gross Profit Margin | 100.00% | 55.80% | 53.95% | 45.12% | 55.96% |
| EBIT Margin | 6.67% | 19.80% | 15.79% | 6.00% | 14.52% |
| EBITDA Margin | 6.95% | 20.19% | 16.28% | 7.76% | 16.72% |
| Operating Profit Margin | 6.48% | 19.80% | 15.79% | 6.00% | 14.52% |
| Pretax Profit Margin | 6.48% | 19.80% | 15.79% | 6.00% | 14.52% |
| Net Profit Margin | 5.01% | 16.03% | 12.89% | 4.96% | 9.29% |
| Continuous Operations Profit Margin | 5.01% | 16.03% | 12.89% | 4.96% | 9.29% |
| Net Income Per EBT | 77.20% | 80.95% | 81.63% | 82.74% | 63.98% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 3.55% | 8.44% | 6.93% | 2.78% | 5.04% |
| Return on Equity (ROE) | 6.05% | 15.40% | 15.70% | 7.50% | 11.82% |
| Return on Capital Employed (ROCE) | 4.80% | 12.39% | 10.92% | 3.61% | 8.27% |
| Return on Invested Capital (ROIC) | 3.70% | 10.02% | 6.16% | 3.48% | 5.66% |
| Return on Tangible Assets | 3.55% | 8.46% | 6.95% | 2.79% | 5.04% |
| Earnings Yield | 11.92% | 34.34% | 29.33% | 18.83% | 21.02% |
| Efficiency Ratios | |||||
| Receivables Turnover | 8.71 | 8.07 | 8.48 | 7.80 | 7.00 |
| Payables Turnover | 0.00 | 11.75 | 7.37 | 4.59 | 6.51 |
| Inventory Turnover | 0.00 | -0.78 | -1.16 | -1.38 | -1.09 |
| Fixed Asset Turnover | 3.59 | 2.67 | 3.51 | 4.00 | 3.30 |
| Asset Turnover | 0.71 | 0.53 | 0.54 | 0.56 | 0.54 |
| Working Capital Turnover Ratio | 2.83 | 2.43 | 2.30 | 1.94 | 1.75 |
| Cash Conversion Cycle | 41.90 | -453.50 | -320.84 | -297.42 | -339.59 |
| Days of Sales Outstanding | 41.90 | 45.22 | 43.02 | 46.80 | 52.17 |
| Days of Inventory Outstanding | 0.00 | -467.67 | -314.32 | -264.68 | -335.68 |
| Days of Payables Outstanding | 0.00 | 31.05 | 49.54 | 79.54 | 56.08 |
| Operating Cycle | 41.90 | -422.44 | -271.30 | -217.88 | -283.51 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.64 | -1.27 | 0.02 | 1.82 | 3.85 |
| Free Cash Flow Per Share | 3.57 | -1.28 | -0.15 | 1.60 | 3.84 |
| Dividend Paid and CapEx Coverage Ratio | 1.48 | -5.26 | 0.04 | 1.61 | 16.25 |
| Capital Expenditure Coverage Ratio | 53.54 | -308.73 | 0.13 | 8.08 | 406.41 |
| Operating Cash Flow Coverage Ratio | 3.68 | -1.04 | 0.02 | 1.13 | 2.34 |
| Operating Cash Flow to Sales Ratio | 0.12 | -0.05 | 0.00 | 0.05 | 0.13 |
| Free Cash Flow Yield | 29.04% | -10.76% | -1.29% | 16.50% | 28.80% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.37 | 2.91 | 3.41 | 5.31 | 4.76 |
| Price-to-Sales (P/S) Ratio | 0.42 | 0.47 | 0.44 | 0.26 | 0.44 |
| Price-to-Book (P/B) Ratio | 0.51 | 0.45 | 0.54 | 0.40 | 0.56 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 3.44 | -9.30 | -77.58 | 6.06 | 3.47 |
| Price-to-Operating Cash Flow Ratio | 3.38 | -9.33 | 519.79 | 5.31 | 3.46 |
| Price-to-Earnings Growth (PEG) Ratio | -0.13 | 0.14 | 0.04 | -0.15 | 0.01 |
| Enterprise Value Multiple | 2.97 | 1.65 | 1.52 | 0.95 | 1.74 |
| Enterprise Value | 292.66M | 348.92M | 266.51M | 89.39M | 289.15M |
| EV to EBITDA | 2.97 | 1.65 | 1.52 | 0.95 | 1.74 |
| EV to Sales | 0.21 | 0.33 | 0.25 | 0.07 | 0.29 |
| EV to Free Cash Flow | 1.69 | -6.62 | -43.74 | 1.70 | 2.28 |
| EV to Operating Cash Flow | 1.66 | -6.64 | 293.06 | 1.49 | 2.28 |
| Tangible Book Value Per Share | 24.18 | 26.40 | 21.28 | 24.18 | 23.66 |
| Shareholders’ Equity Per Share | 24.23 | 26.50 | 21.42 | 24.28 | 23.68 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.19 | 0.18 | 0.17 | 0.36 |
| Revenue Per Share | 29.29 | 25.46 | 26.08 | 36.68 | 30.14 |
| Net Income Per Share | 1.47 | 4.08 | 3.36 | 1.82 | 2.80 |
| Tax Burden | 0.77 | 0.81 | 0.82 | 0.83 | 0.64 |
| Interest Burden | 0.97 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.07 | 0.12 | 0.12 | 0.10 | 0.13 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 2.48 | -0.31 | 0.01 | 1.00 | 1.37 |
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