United Bank Limited (PSX:UBL)

United Bank Statistics

Total Valuation

United Bank has a market cap or net worth of PKR 935.29 billion.

Market Cap	935.29B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, July 31, 2025.

Earnings Date	Jul 31, 2025
Ex-Dividend Date	Jul 18, 2025

Share Statistics

United Bank has 2.50 billion shares outstanding. The number of shares has increased by 0.72% in one year.

Current Share Class	2.50B
Shares Outstanding	2.50B
Shares Change (YoY)	+0.72%
Shares Change (QoQ)	+1.71%
Owned by Insiders (%)	1.84%
Owned by Institutions (%)	1.71%
Float	641.52M

Valuation Ratios

The trailing PE ratio is 8.52 and the forward PE ratio is 8.29.

PE Ratio	8.52
Forward PE	8.29
PS Ratio	2.62
PB Ratio	2.17
P/TBV Ratio	2.54
P/FCF Ratio	0.67
P/OCF Ratio	0.63
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.40
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 30.12%.

Return on Equity (ROE)	30.12%
Return on Assets (ROA)	1.14%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	19.98M
Profits Per Employee	6.11M
Employee Count	17,845
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, United Bank has paid 127.01 billion in taxes.

Income Tax	127.01B
Effective Tax Rate	54.01%

Stock Price Statistics

The stock price has increased by +187.08% in the last 52 weeks. The beta is 0.50, so United Bank's price volatility has been lower than the market average.

Beta (5Y)	0.50
52-Week Price Change	+187.08%
50-Day Moving Average	279.65
200-Day Moving Average	211.99
Relative Strength Index (RSI)	87.62
Average Volume (20 Days)	3,610,093

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, United Bank had revenue of PKR 356.62 billion and earned 109.08 billion in profits. Earnings per share was 44.24.

Revenue	356.62B
Gross Profit	352.90B
Operating Income	233.92B
Pretax Income	235.18B
Net Income	109.08B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	44.24

Balance Sheet

The company has 504.02 billion in cash and 6.11 trillion in debt, giving a net cash position of -5,607.10 billion or -2,239.04 per share.

Cash & Cash Equivalents	504.02B
Total Debt	6.11T
Net Cash	-5,607.10B
Net Cash Per Share	-2,239.04
Equity (Book Value)	431.91B
Book Value Per Share	172.49
Working Capital	-3,840.60B

Cash Flow

In the last 12 months, operating cash flow was 1.48 trillion and capital expenditures -92.60 billion, giving a free cash flow of 1.39 trillion.

Operating Cash Flow	1.48T
Capital Expenditures	-92.60B
Free Cash Flow	1.39T
FCF Per Share	554.79

Margins

Gross Margin	n/a
Operating Margin	65.59%
Pretax Margin	65.95%
Profit Margin	30.59%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	389.59%

Dividends & Yields

This stock pays an annual dividend of 32.00, which amounts to a dividend yield of 8.57%.

Dividend Per Share	32.00
Dividend Yield	8.57%
Dividend Growth (YoY)	11.36%
Years of Dividend Growth	2
Payout Ratio	49.45%
Buyback Yield	-0.72%
Shareholder Yield	8.10%
Earnings Yield	11.66%
FCF Yield	148.55%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on June 23, 2025. It was a forward split with a ratio of 2.

Last Split Date	Jun 23, 2025
Split Type	Forward
Split Ratio	2

Scores

Altman Z-Score	n/a
Piotroski F-Score	4