United Bank (KAR:UBL) Cyclically Adjusted Revenue per Share: ₨78.13 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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KAR:UBL United Bank Ltd KAR:UBL
60 GF Score
Price ₨473.33
GF Value ₨378.72
Valuation Modestly Overvalued
! 2 Warning Signs
View Full Analysis

What is United Bank Cyclically Adjusted Revenue per Share?

United Bank KAR:UBL -0.96% 60 Cyclically Adjusted Revenue per Share is ₨78.13 as of Jun. 2026. GuruFocus rates KAR:UBL with a GF Score™ of 60/100 and a GF Value™ of ₨378.72 (Modestly Overvalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

United Bank's adjusted revenue per share for the three months ended in Jun. 2026 was ₨48.209. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is ₨78.13 for the trailing ten years ended in Jun. 2026.

During the past 12 months, United Bank's average Cyclically Adjusted Revenue Growth Rate was 26.90% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 18.50% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 14.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of United Bank was 18.50% per year. The lowest was 11.40% per year. And the median was 14.30% per year.

As of today (2026-07-29), United Bank's current stock price is ₨473.33. United Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 was ₨78.13. United Bank's Cyclically Adjusted PS Ratio of today is 6.06.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of United Bank was 7.25. The lowest was 1.15. And the median was 1.96.


United Bank  (KAR:UBL) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

United Bank's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=473.33/78.13
=6.06

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of United Bank was 7.25. The lowest was 1.15. And the median was 1.96.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


United Bank Cyclically Adjusted Revenue per Share Related Terms


United Bank Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for United Bank's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

United Bank Cyclically Adjusted Revenue per Share Chart

United Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 36.44 40.92 46.34 54.39 68.15

United Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 61.59 65.17 68.15 73.74 78.13

United Bank Cyclically Adjusted Revenue per Share Competitor Comparison

For the Banks - Regional subindustry, United Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


United Bank Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, United Bank's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where United Bank's Cyclically Adjusted PS Ratio falls into.


KAR:UBL
60GF Score
United Bank Ltd KAR:UBL
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

United Bank Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, United Bank's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=48.209/333.9520*333.9520
=48.209

Current CPI (Jun. 2026) = 333.9520.

United Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 7.610 241.428 10.526
201612 8.072 241.432 11.165
201703 8.587 243.801 11.762
201706 8.565 244.955 11.677
201709 7.871 246.819 10.650
201712 7.835 246.524 10.614
201803 9.128 249.554 12.215
201806 8.941 251.989 11.849
201809 8.159 252.439 10.794
201812 7.973 251.233 10.598
201903 7.815 254.202 10.267
201906 9.491 256.143 12.374
201909 8.884 256.759 11.555
201912 8.716 256.974 11.327
202003 9.073 258.115 11.739
202006 11.006 257.797 14.257
202009 9.880 260.280 12.677
202012 8.663 260.474 11.107
202103 9.428 264.877 11.887
202106 9.879 271.696 12.143
202109 10.279 274.310 12.514
202112 10.540 278.802 12.625
202203 11.479 287.504 13.334
202206 13.688 296.311 15.427
202209 15.151 296.808 17.047
202212 10.506 296.797 11.821
202303 15.783 301.836 17.462
202306 18.346 305.109 20.080
202309 19.461 307.789 21.115
202312 18.246 306.746 19.864
202403 19.403 312.332 20.746
202406 19.794 314.175 21.040
202409 28.381 315.301 30.060
202412 36.350 315.605 38.463
202503 39.814 319.799 41.576
202506 42.912 322.561 44.427
202509 42.426 324.800 43.621
202512 42.674 324.054 43.977
202603 56.098 330.213 56.733
202606 48.209 333.952 48.209

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of ₨78.13 mean?
United Bank (KAR:UBL) has a Cyclically Adjusted Revenue per Share of ₨78.13 as of Jun. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on United Bank and its competitors.
Is United Bank's Cyclically Adjusted Revenue per Share too high?
United Bank's current Cyclically Adjusted Revenue per Share is ₨78.13. Overall, United Bank has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bank's Cyclically Adjusted Revenue per Share compare to competitors?
United Bank's Cyclically Adjusted Revenue per Share of ₨78.13 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on United Bank and its competitors. United Bank's current Cyclically Adjusted Revenue per Share is ₨78.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bank stock overvalued right now?
Based on GuruFocus' analysis, United Bank (KAR:UBL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨378.72, compared to a current price of ₨473.33 — trading 25% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is ₨78.13. United Bank's overall GF Score™ is 60/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For United Bank (KAR:UBL), the current Cyclically Adjusted Revenue per Share is ₨78.13 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is United Bank (KAR:UBL) Overvalued in 2026?

Based on GuruFocus' analysis, United Bank stock appears to be overvalued. The current stock price of ₨473.33 is trading 25% above its estimated GF Value™ of ₨378.72. GuruFocus considers United Bank to be Modestly Overvalued.

Key valuation signals for KAR:UBL:

  • Cyclically Adjusted Revenue per Share: ₨78.13
  • GF Value™: ₨378.72 vs. price of ₨473.33 (25% above fair value)
  • GF Score™: 60/100 with 2 warning signs

No single metric tells the full story. See the KAR:UBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


United Bank Business Description

Address I.I. Chundrigar Road, Karachi, PAK, 74000
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 the majority of its revenue from Pakistan and also has a presence in the Middle East and Export Processing Zones.
60GF Score

Get the complete analysis for KAR:UBL

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨473.33
Price
₨378.72
GF Value