United Bank (KAR:UBL) Long-Term Debt: ₨0 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

KAR:UBL United Bank Ltd KAR:UBL
70 GF Score
Price ₨446.70
GF Value ₨338.00
Valuation Significantly Overvalued
! 4 Warning Signs
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What is United Bank Long-Term Debt?

United Bank KAR:UBL -1.20% 70 Long-Term Debt is ₨0 Mil as of Mar. 2026. GuruFocus rates KAR:UBL with a GF Score™ of 70/100 and a GF Value™ of ₨338.00 (Significantly Overvalued). The stock has 4 warning signs investors should review.

United Bank's Long-Term Debt for the quarter that ended in Mar. 2026 was ₨0 Mil.

United Bank  (KAR:UBL) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

United Bank Long-Term Debt Related Terms

United Bank Long-Term Debt Historical Data

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The historical data trend for United Bank's Long-Term Debt 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 Long-Term Debt Chart

United Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
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United Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt 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 0.00 0.00 0.00 0.00 0.00
KAR:UBL
70GF Score
United Bank Ltd KAR:UBL
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of ₨0 Mil mean?
United Bank (KAR:UBL) has a Long-Term Debt of ₨0 Mil as of Mar. 2026.
Is United Bank's Long-Term Debt too high?
United Bank's current Long-Term Debt is ₨0 Mil. Overall, United Bank has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bank's Long-Term Debt compare to competitors?
United Bank's Long-Term Debt of ₨0 Mil 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. United Bank's current Long-Term Debt is ₨0 Mil. 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 Significantly Overvalued. The stock's GF Value™ is ₨338.00, compared to a current price of ₨446.70 — trading 32.2% above its estimated fair value. The current Long-Term Debt is ₨0 Mil. United Bank's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For United Bank (KAR:UBL), the current Long-Term Debt is ₨0 Mil 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 ₨446.70 is trading 32.2% above its estimated GF Value™ of ₨338.00. GuruFocus considers United Bank to be Significantly Overvalued.

Key valuation signals for KAR:UBL:

  • Long-Term Debt: ₨0 Mil
  • GF Value™: ₨338.00 vs. price of ₨446.70 (32.2% above fair value)
  • GF Score™: 70/100 with 4 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.
70GF Score

Get the complete analysis for KAR:UBL

Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨446.70
Price
₨338.00
GF Value