United Bank Limited (PSX:UBL)

United Bank Statistics

Total Valuation

United Bank has a market cap or net worth of PKR 1.04 trillion.

Market Cap	1.04T
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, April 15, 2026.

Earnings Date	Apr 15, 2026
Ex-Dividend Date	Apr 23, 2026

Share Statistics

United Bank has 2.50 billion shares outstanding. The number of shares has increased by 2.16% in one year.

Current Share Class	2.50B
Shares Outstanding	2.50B
Shares Change (YoY)	+2.16%
Shares Change (QoQ)	+0.02%
Owned by Insiders (%)	1.94%
Owned by Institutions (%)	6.60%
Float	628.57M

Valuation Ratios

The trailing PE ratio is 7.32 and the forward PE ratio is 7.90.

PE Ratio	7.32
Forward PE	7.90
PS Ratio	2.22
PB Ratio	2.47
P/TBV Ratio	2.86
P/FCF Ratio	1.44
P/OCF Ratio	1.26
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	9.20
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 36.78%.

Return on Equity (ROE)	36.78%
Return on Assets (ROA)	1.29%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	1.05%
Revenue Per Employee	19.63M
Profits Per Employee	5.95M
Employee Count	23,916
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, United Bank has paid 173.24 billion in taxes.

Income Tax	173.24B
Effective Tax Rate	54.90%

Stock Price Statistics

The stock price has increased by +60.88% 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	+60.88%
50-Day Moving Average	399.08
200-Day Moving Average	397.49
Relative Strength Index (RSI)	66.42
Average Volume (20 Days)	5,579,686

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 469.52 billion and earned 142.31 billion in profits. Earnings per share was 56.82.

Revenue	469.52B
Gross Profit	465.08B
Operating Income	316.79B
Pretax Income	315.57B
Net Income	142.31B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	56.82

Balance Sheet

The company has 641.68 billion in cash and 6.67 trillion in debt, with a net cash position of -6,023.53 billion or -2,405.32 per share.

Cash & Cash Equivalents	641.68B
Total Debt	6.67T
Net Cash	-6,023.53B
Net Cash Per Share	-2,405.32
Equity (Book Value)	422.22B
Book Value Per Share	168.54
Working Capital	-4,810.98B

Cash Flow

In the last 12 months, operating cash flow was 826.14 billion and capital expenditures -101.75 billion, giving a free cash flow of 724.39 billion.

Operating Cash Flow	826.14B
Capital Expenditures	-101.75B
Depreciation & Amortization	n/a
Net Borrowing	-10.92B
Free Cash Flow	724.39B
FCF Per Share	289.26

Margins

Gross Margin	n/a
Operating Margin	67.47%
Pretax Margin	67.21%
Profit Margin	30.31%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	154.28%

Dividends & Yields

This stock pays an annual dividend of 32.00, which amounts to a dividend yield of 7.70%.

Dividend Per Share	32.00
Dividend Yield	7.70%
Dividend Growth (YoY)	45.45%
Years of Dividend Growth	3
Payout Ratio	50.14%
Buyback Yield	-2.16%
Shareholder Yield	5.71%
Earnings Yield	13.67%
FCF Yield	69.56%

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