UBL.KAR United Bank Ltd

Financials Consumer Finance Karachi Stock Exchange
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412.96 PKR
Close of Oct 29, 2026
289.56 476.91
Market cap
-
P/E
-
P/B
-
ROE
32.6%
Dividend yield
-
Fundamental score
2.7/5

Ratios use the latest price and the current fiscal year annualized from 2 quarters up to Jun 2026.

Is UBL.KAR undervalued?

Graham number

The Graham number of United Bank Ltd cannot be estimated reliably (it needs positive earnings and book value).

Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?

United Bank Ltd fundamental analysis

10 of 18 checks passed

ROE 2/2

High return on equity (32.6%), above 20%.

ROA 1/1

Return on assets (1.1%) is above the industry median (0.9%).

Profit Consistency 2/2

Profitable for 10 consecutive years.

Earnings Growth 5Y 1/1

Earnings per share grew over the past 5 years.

Earnings Acceleration 1/1

Last year's EPS growth (69.1%) is above the 5-year average (24.9% a year).

Earnings Growth vs Industry 1/1

Last year's EPS growth (69.1%) is above the industry median (-7.6%).

Revenue Growth 2/2

Revenue grew 54.5% a year over the past 3 years.

Leverage 0/2

Total assets are 28.7x equity, a high leverage for a financial company.

Equity Growth 1/1

Shareholders' equity grew over the past 5 years.

PE vs Market 0/1

PE is negative or not available.

PE vs Industry 0/1

PE is negative or not available.

PBV 0/1

Price to book is negative or not available.

Graham Number 0/1

Graham number needs positive earnings and book value.

PEG 0/1

PEG needs positive PE and positive 5-year earnings growth.

Dividend Yield 0/2

Dividend yield cannot be calculated.

Dividend Stability 0/2

Dividends were not paid steadily for the past 5 years.

Dividend Growth 1/1

Dividends paid grew over the past 5 years.

Payout Ratio 1/1

Payout ratio is 51.6%, covered by earnings.

Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score

United Bank Ltd stock price

Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.