Stocktoria
United Bank Limited UBL.KA
United Bank Limited statistics & valuation
Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (₨ 486.45); a green figure means the price is below it.
Profitability & efficiency
Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).
P / E vs its own history
United Bank Limited trades at about 9× earnings — near its 10-year norm (10-year range 7.9×–13.4×, median 9.3×).
Shaded band = 10-year range (7.9×–13.4×); dot = today's 9×.
Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.
Key ratios (by fiscal year)
| Ratio | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Net margin | 31.5% | 30.8% | 32.3% | 28.2% |
| FCF margin | 999.3% | 630.2% | 1805.1% | -98.6% |
| Return on assets | 1.0% | 0.9% | 0.9% | 1.1% |
| Return on equity | 25.7% | 23.4% | 20.4% | 14.3% |
Computed from company filings · PK · as of 2025-12-31. Figures in PKR. Facts plus Stocktoria's own computed scores — not investment advice.