United Bank (KAR:UBL) Quality Rank

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.
Reviewed by: Charlie Tian Charlie Tian
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
60 GF Score
Price ₨465.21
GF Value ₨377.64
Valuation Modestly Overvalued
! 2 Warning Signs
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What is United Bank Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

United Bank Quality Rank Related Terms

KAR:UBL
60GF Score
United Bank Ltd KAR:UBL
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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

Based on GuruFocus' analysis, United Bank stock appears to be overvalued. The current stock price of ₨465.21 is trading 23.2% above its estimated GF Value™ of ₨377.64. GuruFocus considers United Bank to be Modestly Overvalued.

Key valuation signals for KAR:UBL:

  • Quality Rank:
  • GF Value™: ₨377.64 vs. price of ₨465.21 (23.2% 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

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

₨465.21
Price
₨377.64
GF Value