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Business Description
United Bank Ltd
ISIN : PK0081901016
Share Class Description:
KAR:UBL: Ordinary SharesDescription
United Bank Ltd is a commercial banking company. The company's operating segment includes Corporate/Commercial Banking; Treasury; Branch Banking; Islamic Banking; International Branch Operations and Others. It generates maximum revenue from the Branch Banking segment. The Branch Banking segment includes deposits, lending and banking services to private individuals and small businesses including credit cards and branchless banking. Geographically, it derives majority of its revenue from Pakistan and also has a presence in the Middle East and Export Processing Zones.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 2.92 | |||||
| Equity-to-Asset | 0.04 | |||||
| Debt-to-Equity | 0.4 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 4/9 | |||||
| Beneish M-Score | -3.57 | |||||
| WACC vs ROIC | ||||||
Growth Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 36.2 | |||||
| 3-Year EPS without NRI Growth Rate | 34.6 | |||||
| 3-Year FCF Growth Rate | 68.1 | |||||
| 3-Year Book Growth Rate | 13.4 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 82.68 | |||||
| 9-Day RSI | 71.85 | |||||
| 14-Day RSI | 64.8 | |||||
| 3-1 Month Momentum % | 7.39 | |||||
| 6-1 Month Momentum % | 38.92 | |||||
| 12-1 Month Momentum % | 120.92 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 10.71 | |||||
| Dividend Payout Ratio | 0.71 | |||||
| 3-Year Dividend Growth Rate | 27 | |||||
| Forward Dividend Yield % | 10.71 | |||||
| 5-Year Yield-on-Cost % | 62.93 | |||||
| Shareholder Yield % | 8.47 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 29.71 | |||||
| FCF Margin % | 608.5 | |||||
| ROE % | 26.11 | |||||
| ROA % | 1.05 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 6.69 | |||||
| Forward PE Ratio | 6.91 | |||||
| PE Ratio without NRI | 6.66 | |||||
| Shiller PE Ratio | 13.42 | |||||
| Price-to-Owner-Earnings | 0.32 | |||||
| PEG Ratio | 0.59 | |||||
| PS Ratio | 1.99 | |||||
| PB Ratio | 1.57 | |||||
| Price-to-Tangible-Book | 1.58 | |||||
| Price-to-Free-Cash-Flow | 0.33 | |||||
| Price-to-Operating-Cash-Flow | 0.32 | |||||
| EV-to-Revenue | 1.03 | |||||
| EV-to-Forward-Revenue | 0.64 | |||||
| EV-to-FCF | 0.17 | |||||
| Price-to-GF-Value | 1.4 | |||||
| Price-to-Projected-FCF | 0.04 | |||||
| Price-to-DCF (Earnings Based) | 0.46 | |||||
| Price-to-DCF (FCF Based) | 0.01 | |||||
| Price-to-Median-PS-Value | 0.98 | |||||
| Price-to-Peter-Lynch-Fair-Value | 0.62 | |||||
| Price-to-Graham-Number | 0.68 | |||||
| FCF Yield % | 306.03 | |||||
| Forward Rate of Return (Yacktman) % | 205.09 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
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Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
United Bank Ltd Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil ₨) | 252,974.353 | ||
| EPS (TTM) (₨) | 61.38 | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | 1.09 | ||
| 3-Year Sortino Ratio | 2.46 | ||
| Volatility % | 21.07 | ||
| 14-Day RSI | 64.8 | ||
| 14-Day ATR (₨) | 8.882297 | ||
| 20-Day SMA (₨) | 390.695 | ||
| 12-1 Month Momentum % | 120.92 | ||
| 52-Week Range (₨) | 180 - 420 | ||
| Shares Outstanding (Mil) | 1,224.18 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 4 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
United Bank Ltd Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
United Bank Ltd Stock Events
| Event | Date | Price (₨) | ||
|---|---|---|---|---|
| No Event Data | ||||
United Bank Ltd Frequently Asked Questions
What is United Bank Ltd(KAR:UBL)'s stock price today?
The current price of KAR:UBL is ₨410.89. The 52 week high of KAR:UBL is ₨420.00 and 52 week low is ₨180.00.
When is next earnings date of United Bank Ltd(KAR:UBL)?
The next earnings date of United Bank Ltd(KAR:UBL) is 2025-04-17 Est..
Does United Bank Ltd(KAR:UBL) pay dividends? If so, how much?
The Dividend Yield %  of United Bank Ltd(KAR:UBL) is 10.71% (As of Today), Highest Dividend Payout Ratio of United Bank Ltd(KAR:UBL) was 0.94. The lowest was 0.38. And the median was 0.69. The  Forward Dividend Yield % of United Bank Ltd(KAR:UBL) is 10.71%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
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