United Bank Limited (PSX:UBL)
Pakistan · Delayed Price · Currency is PKR 475.74
-2.29 (-0.48%)
At close: Aug 7, 2026
United Bank Financials Overview
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 484,264 | 428,910 | 244,467 | 184,067 | 127,149 | 100,309 |
Revenue Growth | 34.26% | 75.45% | 32.81% | 44.77% | 26.76% | 27.52% |
Net Income Net Income Growth | 151,175 | 130,000 | 75,156 | 55,145 | 31,535 | 30,409 |
Earnings Per Share EPS Growth | 60.36 | 52.13 | 30.70 | 22.52 | 12.88 | 12.42 |
EPS Growth | 36.43% | 69.83% | 36.29% | 74.87% | 3.71% | 45.23% |
| Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Corporate / Commercial Banking Corporate / Commercial Banking Growth | 29,050 | 16,339 | 14,201 | 8,880 | 7,897 |
Treasury Treasury Growth | 189,462 | -582.4 | -61,084 | -13,907 | 8,681 |
Branch Banking Branch Banking Growth | 117,988 | 153,796 | 172,573 | 101,892 | 55,667 |
Islamic Banking Islamic Banking Growth | 41,637 | 40,392 | 20,646 | 9,814 | 5,480 |
International Branch Operations International Branch Operations Growth | 45,222 | 25,194 | 19,015 | -1,233 | 11,731 |
Subsidiaries Subsidiaries Growth | 4,836 | 3,398 | 9,643 | 6,488 | 5,319 |
Others Others Growth | 1,681 | 6,826 | 8,083 | 14,565 | 6,074 |
Total Total Growth | 429,876 | 245,362 | 183,077 | 126,499 | 100,848 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 854,991 | 481,881 | 292,085 | 355,406 | 225,634 | 388,717 |
Total Debt Total Debt Growth | 8,068,063 | 6,580,905 | 4,879,085 | 2,847,158 | 586,518 | 585,319 |
Net Cash (Debt) Net Cash Growth | -7,213,072 | -6,099,024 | -4,586,999 | -2,491,752 | -360,884 | -196,602 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -2880.04 | -2445.79 | -1873.50 | -1017.72 | -147.40 | -80.30 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | 1,498,614 | 1,748,060 | 1,550,816 | 2,493,283 | -252,555 | 206,512 |
Capital Expenditures CapEx Growth | -112,835 | -153,708 | -16,616 | -8,913 | -6,516 | -3,833 |
Free Cash Flow Free Cash Flow Growth | 1,385,779 | 1,594,352 | 1,534,200 | 2,484,370 | -259,070 | 202,678 |
Free Cash Flow Growth | -0.21% | 3.92% | -38.25% | - | - | 27.07% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Profit Margin | 31.22% | 30.31% | 30.74% | 29.96% | 24.80% | 30.31% |
FCF Margin | 286.16% | 371.72% | 627.57% | 1349.71% | -203.75% | 202.06% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 7, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 32.000 | 29.500 | 22.000 | 22.000 | 11.000 | 9.000 |
Dividend Per Share Growth | 30.61% | 34.09% | 0% | 100.00% | 22.22% | 50.00% |
Dividend Yield | 6.69% | 7.36% | 13.36% | 34.85% | 41.91% | 29.30% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 7, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 7.92 | 8.18 | 6.23 | 3.95 | 3.91 | 5.50 |
Forward PE | 7.26 | 8.52 | 6.70 | 3.70 | 3.30 | 5.47 |
P/FCF Ratio | 0.86 | 0.67 | 0.31 | 0.09 | - | 0.83 |
PS Ratio | 2.47 | 2.48 | 1.91 | 1.18 | 0.97 | 1.67 |