United Bank Limited (PSX:UBL)

United Bank Statistics

Total Valuation

United Bank has a market cap or net worth of PKR 903.88 billion.

Market Cap	903.88B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, February 18, 2026.

Earnings Date	Feb 18, 2026
Ex-Dividend Date	Oct 23, 2025

Share Statistics

United Bank has 2.50 billion shares outstanding. The number of shares has increased by 1.27% in one year.

Current Share Class	2.50B
Shares Outstanding	2.50B
Shares Change (YoY)	+1.27%
Shares Change (QoQ)	+0.01%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	0.94%
Float	n/a

Valuation Ratios

The trailing PE ratio is 7.13 and the forward PE ratio is 7.81.

PE Ratio	7.13
Forward PE	7.81
PS Ratio	2.26
PB Ratio	2.01
P/TBV Ratio	2.34
P/FCF Ratio	1.20
P/OCF Ratio	1.07
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	7.66
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 32.88%.

Return on Equity (ROE)	32.88%
Return on Assets (ROA)	1.33%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	22.45M
Profits Per Employee	7.07M
Employee Count	17,845
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, United Bank has paid 141.89 billion in taxes.

Income Tax	141.89B
Effective Tax Rate	52.94%

Stock Price Statistics

The stock price has increased by +126.32% in the last 52 weeks. The beta is 0.46, so United Bank's price volatility has been lower than the market average.

Beta (5Y)	0.46
52-Week Price Change	+126.32%
50-Day Moving Average	378.53
200-Day Moving Average	288.86
Relative Strength Index (RSI)	36.10
Average Volume (20 Days)	1,256,039

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 400.67 billion and earned 126.12 billion in profits. Earnings per share was 50.86.

Revenue	400.67B
Gross Profit	396.94B
Operating Income	267.05B
Pretax Income	268.04B
Net Income	126.12B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	50.86

Balance Sheet

The company has 602.68 billion in cash and 5.77 trillion in debt, giving a net cash position of -5,164.25 billion or -2,062.20 per share.

Cash & Cash Equivalents	602.68B
Total Debt	5.77T
Net Cash	-5,164.25B
Net Cash Per Share	-2,062.20
Equity (Book Value)	450.47B
Book Value Per Share	179.88
Working Capital	-4,198.30B

Cash Flow

In the last 12 months, operating cash flow was 845.86 billion and capital expenditures -93.10 billion, giving a free cash flow of 752.76 billion.

Operating Cash Flow	845.86B
Capital Expenditures	-93.10B
Free Cash Flow	752.76B
FCF Per Share	300.59

Margins

Gross Margin	n/a
Operating Margin	66.65%
Pretax Margin	66.90%
Profit Margin	31.48%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	187.88%

Dividends & Yields

This stock pays an annual dividend of 32.00, which amounts to a dividend yield of 8.76%.

Dividend Per Share	32.00
Dividend Yield	8.76%
Dividend Growth (YoY)	22.73%
Years of Dividend Growth	2
Payout Ratio	53.09%
Buyback Yield	-1.27%
Shareholder Yield	7.49%
Earnings Yield	13.95%
FCF Yield	83.28%

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