Pakistan · Delayed Price · Currency is PKR United Bank Statistics
Total Valuation
United Bank has a market cap or net worth of PKR 1.03 trillion.
| Market Cap | 1.03T |
| Enterprise Value | n/a |
Important Dates
The last earnings date was Friday, October 16, 2026.
| Earnings Date | Oct 16, 2026 |
| Ex-Dividend Date | Oct 22, 2026 |
Share Statistics
United Bank has 2.50 billion shares outstanding. The number of shares has decreased by -13.02% in one year.
| Current Share Class | 2.50B |
| Shares Outstanding | 2.50B |
| Shares Change (YoY) | -13.02% |
| Shares Change (QoQ) | +1.40% |
| Owned by Insiders (%) | 1.94% |
| Owned by Institutions (%) | 6.41% |
| Float | 628.57M |
Valuation Ratios
The trailing PE ratio is 6.08 and the forward PE ratio is 7.83.
| PE Ratio | 6.08 |
| Forward PE | 7.83 |
| PS Ratio | 2.09 |
| PB Ratio | 1.96 |
| P/TBV Ratio | 2.18 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| 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 | 10.43 |
| Debt / EBITDA | n/a |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 29.91%.
| Return on Equity (ROE) | 29.91% |
| Return on Assets (ROA) | 1.21% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 1.23% |
| Revenue Per Employee | 20.70M |
| Profits Per Employee | 6.12M |
| Employee Count | 23,916 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, United Bank has paid 161.84 billion in taxes.
| Income Tax | 161.84B |
| Effective Tax Rate | 52.49% |
Stock Price Statistics
The stock price has increased by +11.63% in the last 52 weeks. The beta is 0.65, so United Bank's price volatility has been lower than the market average.
| Beta (5Y) | 0.65 |
| 52-Week Price Change | +11.63% |
| 50-Day Moving Average | 424.91 |
| 200-Day Moving Average | 429.85 |
| Relative Strength Index (RSI) | 47.37 |
| Average Volume (20 Days) | 816,620 |
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 495.11 billion and earned 146.46 billion in profits. Earnings per share was 67.91.
| Revenue | 495.11B |
| Gross Profit | 490.67B |
| Operating Income | 308.30B |
| Pretax Income | 308.33B |
| Net Income | 146.46B |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 67.91 |
Balance Sheet
The company has 800.84 billion in cash and 5.52 trillion in debt, with a net cash position of -4,714.23 billion or -1,882.49 per share.
| Cash & Cash Equivalents | 800.84B |
| Total Debt | 5.52T |
| Net Cash | -4,714.23B |
| Net Cash Per Share | -1,882.49 |
| Equity (Book Value) | 528.94B |
| Book Value Per Share | 208.31 |
| Working Capital | -5,789.94B |
Cash Flow
In the last 12 months, operating cash flow was -421.77 billion and capital expenditures -134.65 billion, giving a free cash flow of -556.42 billion.
| Operating Cash Flow | -421.77B |
| Capital Expenditures | -134.65B |
| Depreciation & Amortization | n/a |
| Net Borrowing | -11.61B |
| Free Cash Flow | -556.42B |
| FCF Per Share | -222.19 |
Margins
| Gross Margin | n/a |
| Operating Margin | 62.27% |
| Pretax Margin | 62.27% |
| Profit Margin | 29.58% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of 32.00, which amounts to a dividend yield of 7.75%.
| Dividend Per Share | 32.00 |
| Dividend Yield | 7.75% |
| Dividend Growth (YoY) | 18.52% |
| Years of Dividend Growth | 3 |
| Payout Ratio | 54.64% |
| FCF Payout Ratio | n/a |
| Buyback Yield | 13.02% |
| Shareholder Yield | 20.77% |
| Earnings Yield | 16.44% |
| FCF Yield | -53.80% |
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 31.37% higher than the current price. The consensus rating is "Buy".
| Price Target | 542.50 |
| Price Target Difference | 31.37% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 6.01% |
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 | 2 |