United BankKAR:UBL 74 ROE % is 41.77% as of Mar. 2026, which is 176% above its 10-year median of 15.16. 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 1,527 Banks companies, United Bank ranks better than 98.04% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. United Bank's annualized net income for the quarter that ended in Mar. 2026 was ₨193,669 Mil. United Bank's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ₨463,682 Mil. Therefore, United Bank's annualized ROE % for the quarter that ended in Mar. 2026 was 41.77%.
The historical rank and industry rank for United Bank's ROE % or its related term are showing as below:
KAR:UBL'
s ROE % Range Over the Past 10 Years
Min: 9.33 Med: 15.16 Max: 32.92
Current: 32.92
During the past 13 years, United Bank's highest ROE % was 32.92%. The lowest was 9.33%. And the median was 15.16%.
KAR:UBL's ROE % is ranked better than 98.04% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs KAR:UBL: 32.92
United Bank (KAR:UBL) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
United Bank ROE % Related Terms
United Bank ROE % Historical Data
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The historical data trend for United Bank's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, United Bank's ROE % distribution charts can be found below:
* The bar in red indicates where United Bank's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
United Bank (KAR:UBL) has a ROE % of 41.77% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on United Bank and its competitors. This is 176% above median its historical median of 15.16. Over the past decade, United Bank's ROE % has ranged from 9.33 to 32.92. According to the industry distribution chart, United Bank ranks #30 out of 1527 companies in the Banks industry, placing it in the top 2%.
Is United Bank's ROE % too high?
United Bank's current ROE % of 41.77% is 176% above median its 10-year median of 15.16. Over the past 10 years, this metric has ranged from a low of 9.33 to a high of 32.92. The Banks industry median ROE % is 10.23. United Bank's value of 41.77% is 308.3% above this industry median. Based on the distribution chart, United Bank ranks #30 out of 1527 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 ROE % compare to competitors?
According to the Banks industry distribution chart, United Bank ranks #30 out of 1527 companies for ROE %. This places United Bank in the top 2% of its industry — outperforming the majority of peers. The industry median ROE % is 10.23. United Bank's value of 41.77% is 308.3% above this benchmark. Historically, United Bank's own ROE % has ranged from 9.33 to 32.92 over the past decade. While the company's 10-year median is 15.16 vs. the industry median of 10.23, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bank's current ROE % of 41.77% is 308.3% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on United Bank and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bank's current ROE % is 41.77%, which is 176% above median its own 10-year median of 15.16. 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 ROE % is 41.77%, which is 176% above median its 10-year median of 15.16 and 308.3% above the Banks industry median of 10.23. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For United Bank (KAR:UBL), the current ROE % is 41.77% 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:
ROE %: 41.77% (176% above median its 10-year median of 15.16)
GF Value™: ₨343.54 vs. price of ₨442.92 (28.9% above fair value)
Industry Position: 308.3% above the Banks median (#30 of 1527)
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
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