Pakistan · Delayed Price · Currency is PKR United Bank Statistics
Total Valuation
United Bank has a market cap or net worth of PKR 1.20 trillion.
| Market Cap | 1.20T |
| Enterprise Value | n/a |
Important Dates
The last earnings date was Wednesday, July 22, 2026.
| Earnings Date | Jul 22, 2026 |
| Ex-Dividend Date | Jul 31, 2026 |
Share Statistics
United Bank has 2.50 billion shares outstanding. The number of shares has increased by 1.58% in one year.
| Current Share Class | 2.50B |
| Shares Outstanding | 2.50B |
| Shares Change (YoY) | +1.58% |
| Shares Change (QoQ) | -0.02% |
| Owned by Insiders (%) | 1.94% |
| Owned by Institutions (%) | 6.51% |
| Float | 628.57M |
Valuation Ratios
The trailing PE ratio is 7.92 and the forward PE ratio is 7.26.
| PE Ratio | 7.92 |
| Forward PE | 7.26 |
| PS Ratio | 2.47 |
| PB Ratio | 2.27 |
| P/TBV Ratio | 2.54 |
| P/FCF Ratio | 0.86 |
| P/OCF Ratio | 0.80 |
| 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 | 5.82 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 31.52%.
| Return on Equity (ROE) | 31.52% |
| Return on Assets (ROA) | 1.15% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 0.99% |
| Revenue Per Employee | 20.25M |
| Profits Per Employee | 6.32M |
| Employee Count | 23,916 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, United Bank has paid 168.07 billion in taxes.
| Income Tax | 168.07B |
| Effective Tax Rate | 52.64% |
Stock Price Statistics
The stock price has increased by +25.64% in the last 52 weeks. The beta is 0.66, so United Bank's price volatility has been lower than the market average.
| Beta (5Y) | 0.66 |
| 52-Week Price Change | +25.64% |
| 50-Day Moving Average | 449.70 |
| 200-Day Moving Average | 419.03 |
| Relative Strength Index (RSI) | 55.80 |
| Average Volume (20 Days) | 2,141,480 |
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 484.26 billion and earned 151.17 billion in profits. Earnings per share was 60.36.
| Revenue | 484.26B |
| Gross Profit | 479.82B |
| Operating Income | 319.06B |
| Pretax Income | 319.27B |
| Net Income | 151.17B |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 60.36 |
Balance Sheet
The company has 854.99 billion in cash and 8.07 trillion in debt, with a net cash position of -7,213.07 billion or -2,880.33 per share.
| Cash & Cash Equivalents | 854.99B |
| Total Debt | 8.07T |
| Net Cash | -7,213.07B |
| Net Cash Per Share | -2,880.33 |
| Equity (Book Value) | 527.31B |
| Book Value Per Share | 210.58 |
| Working Capital | -5,441.57B |
Cash Flow
In the last 12 months, operating cash flow was 1.50 trillion and capital expenditures -112.84 billion, giving a free cash flow of 1.39 trillion.
| Operating Cash Flow | 1.50T |
| Capital Expenditures | -112.84B |
| Depreciation & Amortization | n/a |
| Net Borrowing | -11.12B |
| Free Cash Flow | 1.39T |
| FCF Per Share | 553.37 |
Margins
| Gross Margin | n/a |
| Operating Margin | 65.89% |
| Pretax Margin | 65.93% |
| Profit Margin | 31.22% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 286.16% |
Dividends & Yields
This stock pays an annual dividend of 32.00, which amounts to a dividend yield of 6.69%.
| Dividend Per Share | 32.00 |
| Dividend Yield | 6.69% |
| Dividend Growth (YoY) | 30.61% |
| Years of Dividend Growth | 3 |
| Payout Ratio | 53.01% |
| Buyback Yield | -1.58% |
| Shareholder Yield | 5.21% |
| Earnings Yield | 12.63% |
| FCF Yield | 115.76% |
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 |
Analyst Forecast
The average price target for United Bank is 542.50, which is 14.03% higher than the current price. The consensus rating is "Buy".
| Price Target | 542.50 |
| Price Target Difference | 14.03% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 11.00% |
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 |