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	2016 - 2020
Period Ending	Sep '25 Sep 11, 2025	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	2016 - 2020
Market Capitalization	909,192	467,918	217,708	123,336	167,198	154,075	Upgrade
Market Cap Growth	120.30%	114.93%	76.52%	-26.23%	8.52%	-23.49%	Upgrade
Last Close Price	363.06	177.98	68.23	28.37	33.20	25.90	Upgrade
PE Ratio	8.28	6.23	3.95	3.91	5.50	7.36	Upgrade
PS Ratio	2.55	1.91	1.18	0.97	1.67	1.96	Upgrade
PB Ratio	2.11	1.46	0.76	0.54	0.73	0.74	Upgrade
P/FCF Ratio	-	0.31	0.09	-	0.83	0.97	Upgrade
P/OCF Ratio	-	0.30	0.09	-	0.81	0.95	Upgrade
Debt / Equity Ratio	14.15	15.21	9.96	2.56	2.56	0.74	Upgrade
Debt / FCF Ratio	4.40	3.18	1.15	-	2.89	0.96	Upgrade
Return on Equity (ROE)	30.13%	24.67%	21.93%	14.02%	14.08%	10.44%	Upgrade
Return on Assets (ROA)	1.14%	1.07%	1.27%	1.11%	1.23%	0.98%	Upgrade
Earnings Yield	12.00%	16.06%	25.33%	25.57%	18.19%	13.59%	Upgrade
FCF Yield	152.81%	327.88%	1141.15%	-210.05%	121.22%	103.52%	Upgrade
Dividend Yield	8.53%	12.36%	32.24%	38.77%	27.11%	23.17%	Upgrade
Payout Ratio	49.45%	71.62%	107.42%	56.72%	77.68%	38.87%	Upgrade
Total Shareholder Return	7.83%	12.36%	32.24%	38.77%	27.11%	23.17%	Upgrade

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