United Bank (KAR:UBL) EPS (Basic): ₨56.82 (TTM As of Mar. 2026)


KAR:UBL United Bank Ltd KAR:UBL
74 GF Score
Price ₨442.92
GF Value ₨343.73
Valuation Modestly Overvalued
! 3 Warning Signs
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What is United Bank EPS (Basic)?

United Bank KAR:UBL +3.17% 74 EPS (Basic) is ₨56.82 as of Mar. 2026. GuruFocus rates KAR:UBL with a GF Score™ of 74/100 and a GF Value™ of ₨343.73 (Modestly Overvalued). The stock has 3 warning signs investors should review.

United Bank's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was ₨19.33. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was ₨56.82.

United Bank's EPS (Diluted) for the three months ended in Mar. 2026 was ₨19.33. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₨56.82.

United Bank's EPS without NRI for the three months ended in Mar. 2026 was ₨19.32. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 56.79.

During the past 12 months, United Bank's average EPS without NRIGrowth Rate was 46.90% per year. During the past 3 years, the average EPS without NRI Growth Rate was 68.70% per year. During the past 5 years, the average EPS without NRI Growth Rate was 42.70% per year. During the past 10 years, the average EPS without NRI Growth Rate was 14.70% 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 EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, United Bank's highest 3-Year average EPS without NRI Growth Rate was 68.70% per year. The lowest was -10.00% per year. And the median was 14.20% per year.

United Bank  (KAR:UBL) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

United Bank EPS (Basic) Related Terms

United Bank EPS (Basic) Historical Data

* Premium members only.

The historical data trend for United Bank's EPS (Basic) 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 EPS (Basic) Chart

United Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.45 12.87 22.53 30.70 52.13

United Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS (Basic) 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 14.67 11.43 14.12 11.94 19.33
KAR:UBL
74GF Score
United Bank Ltd KAR:UBL
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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United Bank EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

United Bank's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(129999.883-0)/2493.683
=52.13

United Bank's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(48417.239-0)/2504.248
=19.33

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₨56.82

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of ₨56.82 mean?
United Bank (KAR:UBL) has a EPS (Basic) of ₨56.82 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on United Bank and its competitors.
Is United Bank's EPS (Basic) too high?
United Bank's current EPS (Basic) is ₨56.82. Overall, United Bank has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bank's EPS (Basic) compare to competitors?
United Bank's EPS (Basic) of ₨56.82 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on United Bank and its competitors. United Bank's current EPS (Basic) is ₨56.82. 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 ₨343.73, compared to a current price of ₨442.92 — trading 28.9% above its estimated fair value. The current EPS (Basic) is ₨56.82. United Bank's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For United Bank (KAR:UBL), the current EPS (Basic) is ₨56.82 as of Mar. 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 ₨442.92 is trading 28.9% above its estimated GF Value™ of ₨343.73. GuruFocus considers United Bank to be Modestly Overvalued.

Key valuation signals for KAR:UBL:

  • EPS (Basic): ₨56.82
  • GF Value™: ₨343.73 vs. price of ₨442.92 (28.9% above fair value)
  • GF Score™: 74/100 with 3 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.
74GF Score

Get the complete analysis for KAR:UBL

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨442.92
Price
₨343.73
GF Value