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United Bank Limited (PSX:UBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
419.31
-4.92 (-1.16%)
At close: Oct 8, 2026

United Bank Ratios and Metrics

Millions PKR. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
1,050,0561,063,279467,918217,708123,336167,198
Market Cap Growth
4.49%127.24%114.93%76.52%-26.23%8.52%
Last Close Price
419.31400.99164.6463.1226.2430.71

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
6.958.186.233.953.915.50
PS Ratio
2.172.481.911.180.971.67
PB Ratio
1.992.101.460.760.540.73
P/FCF Ratio
0.760.670.310.09-0.83
P/OCF Ratio
0.700.610.300.09-0.81

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Debt / Equity Ratio
15.3113.0215.219.962.562.56
Debt / FCF Ratio
5.824.133.181.15-2.89
Net Debt / Equity Ratio
13.0812.0714.308.721.580.86
Net Debt / FCF Ratio
4.983.832.991.00-1.390.97
Return on Equity (ROE)
31.52%31.48%24.67%21.93%14.02%14.08%
Return on Assets (ROA)
1.15%1.26%1.07%1.27%1.11%1.23%

Yields

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
14.40%12.23%16.06%25.33%25.57%18.19%
FCF Yield
131.97%149.95%327.88%1141.15%-210.05%121.22%
Dividend Yield
7.63%7.36%13.36%34.85%41.91%29.30%
Payout Ratio
50.96%51.60%71.62%107.42%56.72%77.68%
Buyback Yield / Dilution
-1.56%-1.85%----
Total Shareholder Return
6.07%5.51%13.36%34.85%41.91%29.30%