DFCU Limited is a Uganda-based development finance company. The Company provides commercial banking, term lending, lease and mortgage financing for the development of people and businesses in Uganda. The Company operates through two segments: DFCU Limited, which is the holding company, and DFCU Bank, which is the commercial banking segment.

DFCU Bank provides products and service levels catering for customer needs in the areas of savings and investment products, personal and current accounts, personal credit, corporate credit, trade finance, foreign exchange trading and money market transfers, among others. It also consists of a development finance segment, which provides medium and long-term finance to private sectors in Uganda. The sectors include agro processing, education, health, manufacturing, transport, hospitality industry, tourism and construction. The Company operates a network of approximately 40 branches and over 290 automated teller machines (ATMs) across the country.

Website

Address

P.O. Box 2767
Kampala
Uganda

FACTSHEET
HOW TO ANaLYSE
HOW TO BUY
HOW TO MONITOR

Address:	Plot 26, Kyadondo Road, Kampala P.O.Box 2767, Kampala
Website:	https://dfculimited.com/
Exchange:	Uganda Securities Exchange
Cross-Listing:	None
Founded:	1964
Listed:	October 2010
Year End:	31st December
Reporting Currency	Uganda Shillings (UGX)

7 Questions you must ask before buying this share/stock

Here is the 7-question process that the MoneyInAfrica team uses to understand the operating and financial fundamentals of the business before investing

Question 1 – Do you understand how the company makes money?

WHY: Warren Buffet said so – “Never invest in a business you cannot understand”
SOLUTION: Understand how the business is working from those running it.
BEST SOURCE: Board Chairperson and CEO of the company.
WHERE: Board Chair and CEO Statement section on this page.

Question 2 – Do you know the people running the company?

WHY: When you invest, the company directors become responsible for making your money multiply.
SOLUTION: Know who the list of directors and senior managers are.
BEST SOURCE: Company Filings
WHERE: Directors & Leadership section on this page shows latest list of board directors and senior management, including recent appointments.

Question 3 – Do you know who you are investing with?

WHY: The largest shareholders influence major decisions concerning the company
SOLUTION: Know who the largest shareholders are.
BEST SOURCE: Company Filings
WHERE: Top Shareholders section on this page shows largest shareholders.

Question 4 – Does this company make money?

WHY: If it doesn’t make money, it can’t be called a company.
SOLUTION: Review how much the company makes in revenues and profitability.
BEST SOURCE: Company Filings
WHERE: Revenue & Profits section on this page shows you a visual analysis for the last 5+ years of Revenues, Profits and Profit Margins with ability to compare them with other companies.

Question 5 – Has the company made money for investors?

WHY: You are investing to make money, if it hasn’t made money for previous investors – will you be the lucky one?
SOLUTION: Understand how well the company makes money for investors – dividend track record and share price
BEST SOURCE: Company Filings
WHERE: Return On Investment section on this page, will show you a visual analysis for the last 5+ years of Return on Equity, Dividends Per Share and Share Price Performance with ability to compare them with other companies.

Question 6 – Is the company financially stable?

WHY: We all know how the story of building a house on sand ended up….
SOLUTION: Look at the potential Archilles’ heels of this company, debt levels and cashflow.
BEST SOURCE: Company Filings
WHERE: Financial Health section on this page gives you a visual analysis for the last 5+ years of Debt Levels, and Operating Cashflows with ability to compare them with other companies.

Question 7 – Is the management increasing the value of the company?

WHY: The only way the value of your investment grows is if the value of the company grows
SOLUTION: Understand how well management are sweating the assets and the value of your business is growing.
BEST SOURCE: Company Filings
WHERE: Management Performance section on this section gives you a visual analysis for the last 5+ years of Return on Assets, Earnings per Share, Book Value with ability to compare them with other companies.

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