United Bank Limited (PSX:UBL)

United Bank Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May 8, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	1,039,814	1,063,279	467,918	217,708	123,336	167,198
Market Cap Growth	66.05%	127.24%	114.93%	76.52%	-26.23%	8.52%
Last Close Price	415.22	407.88	167.46	64.20	26.69	31.24
PE Ratio	7.31	8.18	6.23	3.95	3.91	5.50
PS Ratio	2.21	2.48	1.91	1.18	0.97	1.67
PB Ratio	2.46	2.10	1.46	0.76	0.54	0.73
P/FCF Ratio	1.44	0.67	0.31	0.09	-	0.83
P/OCF Ratio	1.26	0.61	0.30	0.09	-	0.81
Debt / Equity Ratio	15.79	13.02	15.21	9.96	2.56	2.56
Debt / FCF Ratio	9.20	4.13	3.18	1.15	-	2.89
Net Debt / Equity Ratio	14.27	12.07	14.30	8.72	1.58	0.86
Net Debt / FCF Ratio	8.32	3.83	2.99	1.00	-1.39	0.97
Return on Equity (ROE)	36.78%	31.48%	24.67%	21.93%	14.02%	14.08%
Return on Assets (ROA)	1.29%	1.26%	1.07%	1.27%	1.11%	1.23%
Earnings Yield	13.69%	12.23%	16.06%	25.33%	25.57%	18.19%
FCF Yield	69.67%	149.95%	327.88%	1141.15%	-210.05%	121.22%
Dividend Yield	7.71%	7.23%	13.14%	34.27%	41.21%	28.81%
Payout Ratio	50.14%	51.60%	71.62%	107.42%	56.72%	77.68%
Buyback Yield / Dilution	-2.16%	-1.85%	-	-	-	-
Total Shareholder Return	5.55%	5.38%	13.14%	34.27%	41.21%	28.81%

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