United Bank Limited (PSX:UBL)

United Bank Statistics

Total Valuation

United Bank has a market cap or net worth of PKR 904.88 billion.

Market Cap	904.88B
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, February 25, 2026.

Earnings Date	Feb 25, 2026
Ex-Dividend Date	Mar 19, 2026

Share Statistics

United Bank has 2.50 billion shares outstanding. The number of shares has increased by 1.85% in one year.

Current Share Class	2.50B
Shares Outstanding	2.50B
Shares Change (YoY)	+1.85%
Shares Change (QoQ)	+0.02%
Owned by Insiders (%)	1.28%
Owned by Institutions (%)	6.56%
Float	628.57M

Valuation Ratios

The trailing PE ratio is 6.93 and the forward PE ratio is 6.88.

PE Ratio	6.93
Forward PE	6.88
PS Ratio	2.11
PB Ratio	1.79
P/TBV Ratio	2.03
P/FCF Ratio	0.57
P/OCF Ratio	0.52
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	4.13
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 31.48%.

Return on Equity (ROE)	31.48%
Return on Assets (ROA)	1.26%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	0.80%
Revenue Per Employee	24.04M
Profits Per Employee	7.28M
Employee Count	17,845
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, United Bank has paid 161.09 billion in taxes.

Income Tax	161.09B
Effective Tax Rate	55.34%

Stock Price Statistics

The stock price has increased by +92.93% in the last 52 weeks. The beta is 0.44, so United Bank's price volatility has been lower than the market average.

Beta (5Y)	0.44
52-Week Price Change	+92.93%
50-Day Moving Average	466.70
200-Day Moving Average	385.15
Relative Strength Index (RSI)	33.30
Average Volume (20 Days)	2,041,741

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 428.91 billion and earned 130.00 billion in profits. Earnings per share was 52.13.

Revenue	428.91B
Gross Profit	424.47B
Operating Income	290.14B
Pretax Income	291.11B
Net Income	130.00B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	52.13

Balance Sheet

The company has 481.88 billion in cash and 6.58 trillion in debt, with a net cash position of -6,099.02 billion or -2,435.47 per share.

Cash & Cash Equivalents	481.88B
Total Debt	6.58T
Net Cash	-6,099.02B
Net Cash Per Share	-2,435.47
Equity (Book Value)	505.29B
Book Value Per Share	201.75
Working Capital	-10,763.72B

Cash Flow

In the last 12 months, operating cash flow was 1.75 trillion and capital expenditures -153.71 billion, giving a free cash flow of 1.59 trillion.

Operating Cash Flow	1.75T
Capital Expenditures	-153.71B
Free Cash Flow	1.59T
FCF Per Share	636.66

Margins

Gross Margin	n/a
Operating Margin	67.65%
Pretax Margin	67.87%
Profit Margin	30.31%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	371.72%

Dividends & Yields

This stock pays an annual dividend of 32.00, which amounts to a dividend yield of 8.86%.

Dividend Per Share	32.00
Dividend Yield	8.86%
Dividend Growth (YoY)	9.09%
Years of Dividend Growth	3
Payout Ratio	51.60%
Buyback Yield	-1.85%
Shareholder Yield	6.12%
Earnings Yield	14.37%
FCF Yield	176.19%

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