United Bank Statistics

Total Valuation

United Bank has a market cap or net worth of PKR 631.57 billion.

Market Cap	631.57B
Enterprise Value	n/a

Important Dates

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

Earnings Date	Jul 31, 2025
Ex-Dividend Date	Apr 28, 2025

Share Statistics

United Bank has 2.45 billion shares outstanding. The number of shares has increased by 0.13% in one year.

Current Share Class	2.45B
Shares Outstanding	2.45B
Shares Change (YoY)	+0.13%
Shares Change (QoQ)	+0.53%
Owned by Insiders (%)	0.92%
Owned by Institutions (%)	0.91%
Float	585.63M

Valuation Ratios

The trailing PE ratio is 6.70 and the forward PE ratio is 2.87.

PE Ratio	6.70
Forward PE	2.87
PS Ratio	2.13
PB Ratio	1.80
P/TBV Ratio	2.15
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

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	2.61
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 30.24%.

Return on Equity (ROE)	30.24%
Return on Assets (ROA)	1.22%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	16.59M
Profits Per Employee	5.34M
Employee Count	17,845
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, United Bank has paid 95.18 billion in taxes.

Income Tax	95.18B
Effective Tax Rate	50.10%

Stock Price Statistics

The stock price has increased by +127.67% in the last 52 weeks. The beta is 0.49, so United Bank's price volatility has been lower than the market average.

Beta (5Y)	0.49
52-Week Price Change	+127.67%
50-Day Moving Average	249.40
200-Day Moving Average	192.27
Relative Strength Index (RSI)	56.00
Average Volume (20 Days)	1,582,997

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 296.03 billion and earned 95.29 billion in profits. Earnings per share was 38.87.

Revenue	296.03B
Gross Profit	292.11B
Operating Income	188.87B
Pretax Income	190.00B
Net Income	95.29B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	38.87

Full Income Statement

Balance Sheet

The company has 523.97 billion in cash and 5.44 trillion in debt, giving a net cash position of -4,914.13 billion or -2,007.11 per share.

Cash & Cash Equivalents	523.97B
Total Debt	5.44T
Net Cash	-4,914.13B
Net Cash Per Share	-2,007.11
Equity (Book Value)	351.80B
Book Value Per Share	142.91
Working Capital	-8,020.42B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 2.17 trillion and capital expenditures -83.01 billion, giving a free cash flow of 2.08 trillion.

Operating Cash Flow	2.17T
Capital Expenditures	-83.01B
Free Cash Flow	2.08T
FCF Per Share	850.63

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	63.80%
Pretax Margin	64.18%
Profit Margin	32.19%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	703.54%

Dividends & Yields

This stock pays an annual dividend of 22.00, which amounts to a dividend yield of 8.53%.

Dividend Per Share	22.00
Dividend Yield	8.53%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	56.49%
Buyback Yield	-0.13%
Shareholder Yield	7.99%
Earnings Yield	15.09%
FCF Yield	329.76%

Dividend Details

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 March 16, 2010. It was a forward split with a ratio of 1.1000011.

Last Split Date	Mar 16, 2010
Split Type	Forward
Split Ratio	1.1000011

Scores

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