United BankKAR:UBL 74 FCF Margin % is 87.18% as of Mar. 2026, which is 73% below its 10-year median of 320.25. GuruFocus rates KAR:UBL with a GF Score™ of 74/100 and a GF Value™ of ₨343.54 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,505 Banks companies, United Bank ranks better than 99.07% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. United Bank's Free Cash Flow for the
three
months ended in Mar. 2026 was ₨122,467 Mil. United Bank's Revenue for the
three
months ended in Mar. 2026 was ₨140,483 Mil. Therefore, United Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 87.18%.
The historical rank and industry rank for United Bank's FCF Margin % or its related term are showing as below:
KAR:UBL'
s FCF Margin % Range Over the Past 10 Years
Min: -293.79 Med: 320.25 Max: 1805.05
Current: 590.75
During the past 13 years, the highest FCF Margin % of United Bank was 1805.05%. The lowest was -293.79%. And the median was 320.25%.
KAR:UBL's FCF Margin % is ranked better than 99.07% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs KAR:UBL: 590.75
United Bank FCF Margin % Related Terms
United Bank FCF Margin % Historical Data
* Premium members only.
The historical data trend for United Bank's FCF Margin % 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.
For the Banks - Regional subindustry, United Bank's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where United Bank's FCF Margin % falls into.
* 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 (KAR:UBL) has a FCF Margin % of 87.18% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Bank and its competitors. This is 73% below median its historical median of 320.25. According to the industry distribution chart, United Bank ranks #14 out of 1505 companies in the Banks industry, placing it in the top 0.90000000000001%.
Is United Bank's FCF Margin % too high?
United Bank's current FCF Margin % of 87.18% is 73% below median its 10-year median of 320.25. The Banks industry median FCF Margin % is 26.55. United Bank's value of 87.18% is 228.4% above this industry median. Based on the distribution chart, United Bank ranks #14 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 FCF Margin % compare to competitors?
According to the Banks industry distribution chart, United Bank ranks #14 out of 1505 companies for FCF Margin %. This places United Bank in the top 1% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. United Bank's value of 87.18% is 228.4% above this benchmark. While the company's 10-year median is 320.25 vs. the industry median of 26.55, United Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bank's current FCF Margin % of 87.18% is 228.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on United Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bank's current FCF Margin % is 87.18%, which is 73% below median its own 10-year median of 320.25. 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 ₨343.54, compared to a current price of ₨442.92 — trading 28.9% above its estimated fair value. The current FCF Margin % is 87.18%, which is 73% below median its 10-year median of 320.25 and 228.4% above the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For United Bank (KAR:UBL), the current FCF Margin % is 87.18% 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 ₨343.54.
GuruFocus considers United Bank to be Modestly Overvalued.
Key valuation signals for KAR:UBL:
FCF Margin %: 87.18% (73% below median its 10-year median of 320.25)
GF Value™: ₨343.54 vs. price of ₨442.92 (28.9% above fair value)
Industry Position: 228.4% above the Banks median (#14 of 1505)
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 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
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KAR:UBL has been successfully added to your 
