United Bank Ratios and Metrics

Market cap in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 17, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	1,140,860	467,918	217,708	123,336	167,198	154,075
Market Cap Growth	137.95%	114.93%	76.52%	-26.23%	8.52%	-23.49%
Last Close Price	455.57	174.32	66.83	27.79	32.52	25.36
PE Ratio	9.00	6.23	3.95	3.91	5.50	7.36
PS Ratio	2.85	1.91	1.18	0.97	1.67	1.96
PB Ratio	2.53	1.46	0.76	0.54	0.73	0.74
P/FCF Ratio	1.52	0.31	0.09	-	0.83	0.97
P/OCF Ratio	1.35	0.30	0.09	-	0.81	0.95
Debt / Equity Ratio	12.80	15.21	9.96	2.56	2.56	0.74
Debt / FCF Ratio	7.66	3.18	1.15	-	2.89	0.96
Net Debt / Equity Ratio	11.41	14.30	8.72	1.58	0.86	-0.05
Net Debt / FCF Ratio	6.83	2.99	1.00	-1.39	0.97	-0.06
Return on Equity (ROE)	32.88%	24.67%	21.93%	14.02%	14.08%	10.44%
Return on Assets (ROA)	1.33%	1.07%	1.27%	1.11%	1.23%	0.98%
Earnings Yield	11.05%	16.06%	25.33%	25.57%	18.19%	13.59%
FCF Yield	65.98%	327.88%	1141.15%	-210.05%	121.22%	103.52%
Dividend Yield	6.96%	12.62%	32.92%	39.59%	27.68%	23.66%
Payout Ratio	53.09%	71.62%	107.42%	56.72%	77.68%	38.87%
Total Shareholder Return	5.68%	12.62%	32.92%	39.59%	27.68%	23.66%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.