Union Assurance PLC
Union Assurance PLC operates in the insurance and asset management sectors, generating revenue primarily through underwriting insurance policies and managing investment portfolios.
Business. Union Assurance PLC (UAL.CM) is an insurance company that operates within the premium-income industry sector. The firm is headquartered in Cameroon and is primarily listed on the Douala Stock Exchange. Specific details regarding its operating segments and geographic revenue mix are not available.
Analyst recommendations
26 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Union Assurance PLC (UAL.CM) is an insurance company that operates within the premium-income industry sector. The firm is headquartered in Cameroon and is primarily listed on the Douala Stock Exchange. Specific details regarding its operating segments and geographic revenue mix are not available.
Union Assurance PLC maintains a strong liquidity position, with operating cash flow of 3.58 billion LKR and a debt-to-equity ratio of 0.02, indicating minimal leverage and a conservative capital structure. However, the company reported negative free cash flow of -3.75 billion LKR, which may signal reinvestment in operations or asset expansion. The return on equity of 2.4% and return on assets of 0.5% suggest modest profitability relative to its equity and asset base.
The company's profitability metrics, particularly ROE and ROA, are below the typical thresholds for performance in the insurance industry, which often expects ROE in the 10-15% range and ROA in the 1-2% range. This indicates that Union Assurance PLC is underperforming relative to industry benchmarks.
Union Assurance PLC's revenue is not segmented by geographic region or business line in the available data, making it difficult to assess geographic or product concentration risk. However, the company's primary operations are likely centered in Sri Lanka, given its listing and regulatory context.
The company's growth trajectory is not clearly defined in the available data, but the negative free cash flow and modest profitability suggest that it may be investing in long-term growth initiatives. The operating income of 592 million LKR and net income of 483.5 million LKR indicate a stable but not rapidly growing business.
The risk assessment highlights a medium liquidity risk, primarily due to the negative free cash flow and the presence of long-term debt of 481.9 million LKR. The dilution risk is assessed as low, with no significant dilution potential reported in the data. The company's conservative debt levels and strong operating cash flow provide a buffer against liquidity stress.
Recent events, including the latest financial filing, show a stable earnings performance with an actual EPS of 1.97 LKR. No major regulatory or operational events are reported in the available data, suggesting a relatively stable operating environment.
- Union Assurance PLC has a conservative capital structure with low debt and strong operating cash flow.
- The company's profitability metrics are below industry benchmarks, indicating room for improvement.
- The negative free cash flow suggests reinvestment in operations or asset expansion.
- The company's risk profile is moderate, with low dilution risk and medium liquidity risk.
- The lack of geographic and segment data limits the ability to assess concentration risk.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation FY
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- President · Stock Option (Right to Buy) → Common StockDisposed 21 521 @ $77,56exercise · 2026-07-27
- Director, Chief Executive Officer · Stock Option (Right to Buy) → Common StockDisposed 159 321 @ $58,69exercise · 2026-07-21
- Director · Share Units → Common StockAcquired 292grant · 2026-06-30
- Director · Share Units → Common StockAcquired 128grant · 2026-06-30
- Director · Share Units → Common StockAcquired 283grant · 2026-06-30
- Director · Share Units → Common StockAcquired 283grant · 2026-06-30
- Director · Share Units → Common StockAcquired 292grant · 2026-06-30
- Director · Share Units → Common StockDisposed 2 410exercise · 2026-05-22
- Director · Share Units → Common StockAcquired 2 130grant · 2026-05-20
- Director · Share Units → Common StockAcquired 2 130grant · 2026-05-20
- Director · Share Units → Common StockAcquired 2 130grant · 2026-05-20
- Director · Share Units → Common StockAcquired 2 130grant · 2026-05-20
- Director · Share Units → Common StockAcquired 2 130grant · 2026-05-20
- Director · Share Units → Common StockAcquired 2 130grant · 2026-05-20
- Director · Share Units → Common StockAcquired 2 130grant · 2026-05-20
- Director · Share Units → Common StockAcquired 2 130grant · 2026-05-20
- Director · Share Units → Common StockAcquired 2 130grant · 2026-05-20
- Director · Share Units → Common StockAcquired 2 130grant · 2026-05-20
- Director · Share Units → Common StockAcquired 2 396grant · 2026-05-20
- Director · Share Units → Common StockAcquired 447grant · 2026-03-31
- Director · Share Units → Common StockAcquired 447grant · 2026-03-31
- Director · Share Units → Common StockAcquired 433grant · 2026-03-31
- Director · Share Units → Common StockAcquired 433grant · 2026-03-31
- Director · Share Units → Common StockAcquired 195grant · 2026-03-31
- EVP & Chief Commercial Officer · Restricted Stock Units → Common StockAcquired 23 012grant · 2026-03-04
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
- Union Assurance PLC Market data — financials · 2026-05-29
- Union Assurance PLC Market data — analyst estimates · 2026-05-29
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,15 %$325M
- Investment Managers · as of 2026-03-310,14 %$593M
- Investment Managers · as of 2026-03-310,11 %$521M
- Institutional Investor · as of 2026-03-310,08 %$1 567M
- Investment Managers · as of 2025-12-310,06 %$4 180M
- Investment Managers · as of 2026-03-310,06 %$439M
- Funds · as of 2026-03-310,06 %$361M
- Investment Managers · as of 2026-03-310,05 %$105M
- Investment Managers · as of 2026-03-310,05 %$865M
- Investment Managers · as of 2026-03-310,04 %$135M
- Investment Managers · as of 2026-03-310,04 %$247M
- Investment Managers · as of 2026-03-310,04 %$1 070M
- Investment Managers · as of 2026-03-310,04 %$49M
- Investment Managers · as of 2026-03-310,03 %$197M
- Investment Managers · as of 2026-03-310,03 %$224M
- Investment Managers · as of 2026-03-310,02 %$413M
- Institutional Investor · as of 2026-03-310,02 %$128M
- Investment Managers · as of 2024-12-310,02 %$84M
- Investment Managers · as of 2026-03-310,02 %$35M
- Investment Managers · as of 2026-03-310,02 %$0M
- Investment Managers · as of 2024-06-300,02 %$875M
- Institutional Investor · as of 2026-03-310,02 %$78M
- Investment Managers · as of 2026-03-310,02 %$33M
- Investment Managers · as of 2026-03-310,01 %$52M
- Brokerage Firms · as of 2026-03-310,01 %$44M
- Brokerage Firms · as of 2026-03-310,01 %$26M
- Investment Managers · as of 2026-03-310,01 %$21M
- Institutional Investor · as of 2026-03-310,01 %$16M
- Investment Managers · as of 2026-03-310,00 %$5M
- Investment Managers · as of 2026-03-310,00 %$6M
- Institutional Investor · as of 2026-03-310,00 %$2M
- Institutional Investor · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
Insider activity
- President · Common StockSold 30 108 @ $120,72$3,6M · 2026-07-28
- President · Common StockOther 7 461 · 2026-07-28
- EVP HR and Labor Relations · Common StockOther 4 968 · 2026-07-28
- EVP & Chief Commercial Officer · Common StockSold 4 200 @ $120,48$506K · 2026-07-28
- President · Common StockOther 17 245 @ $120,57$2,1M · 2026-07-27
- President · Common StockOther 21 521 @ $77,56$1,7M · 2026-07-27
- EVP HR and Labor Relations · Common StockOther 17 837 · 2026-07-25
- EVP HR and Labor Relations · Common StockOther 7 901 @ $118,27$934K · 2026-07-25
- EVP & Chief Financial Officer · Common StockOther 7 901 @ $118,27$934K · 2026-07-25
- EVP & Chief Financial Officer · Common StockOther 17 837 · 2026-07-25
- EVP & Chief Commercial Officer · Common StockOther 9 594 @ $118,27$1,1M · 2026-07-25
- EVP & Chief Commercial Officer · Common StockOther 21 404 · 2026-07-25
- EVP & Chief Operations Officer · Common StockOther 9 825 @ $118,27$1,2M · 2026-07-25
- EVP & Chief Operations Officer · Common StockOther 24 971 · 2026-07-25
- Director, Chief Executive Officer · Common StockOther 28 076 @ $118,27$3,3M · 2026-07-25
- Director, Chief Executive Officer · Common StockOther 71 347 · 2026-07-25
- President · Common StockOther 20 543 @ $118,27$2,4M · 2026-07-25
- President · Common StockOther 46 375 · 2026-07-25
- EVP & Chief Operations Officer · Common StockSold 20 000 @ $119,91$2,4M · 2026-07-24
- Director, Chief Executive Officer · Common StockOther 159 321 @ $58,69$9,4M · 2026-07-21
- Director, Chief Executive Officer · Common StockSold 159 321 @ $118,05$18,8M · 2026-07-21
- Director, Chief Executive Officer · Common StockSold 1 078 @ $120,74$130K · 2026-06-16
- Director, Chief Executive Officer · Common StockSold 48 303 @ $121,30$5,9M · 2026-06-15
- EVP HR and Labor Relations · Common StockOther 3 657 · 2026-05-27
- EVP HR and Labor Relations · Common StockSold 5 331 @ $105,51$562K · 2026-05-26
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Current ratio (FY 2025-12-31): 0.65xDerived (calculated)
- Return on assets (FY 2025-12-31): 4.4%Derived (calculated)
- Revenue (YoY) (2025-12-31 vs 2024-12-31): 3.5%Derived (calculated)
- Return on equity (FY 2025-12-31): 21.9%Derived (calculated)
- Net margin (FY 2025-12-31): 5.7%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 6.5%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -10.7%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 3.2%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 7.9%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): -32.2%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 7.7%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 20.6%Derived (calculated)
- Operating income (YoY) (2025-12-31 vs 2024-12-31): -7.5%Derived (calculated)
- Long-term debt (YoY) (2025-12-31 vs 2024-12-31): -20.8%Derived (calculated)
- Operating income (annual): USD 4.71BSEC XBRL filing
- Long-term debt (annual): USD 17.17BSEC XBRL filing
- Total assets (annual): USD 76.45BSEC XBRL filing
- Operating cash flow (annual): USD 8.43BSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 10SEC XBRL filing
- Current liabilities (annual): USD 26.13BSEC XBRL filing
- Shareholders' equity (annual): USD 15.28BSEC XBRL filing
- Shares outstanding (annual): 323.47MSEC XBRL filing
- Current assets (annual): USD 16.86BSEC XBRL filing
- Cash & equivalents (annual): USD 5.94BSEC XBRL filing