- $1.96bn
- $11.24bn
- PK₹172.93bn
- 38
- 74
- 57
- 58
Growth & Value
| 12m Forecast Rolling | Industry | Market | |
|---|---|---|---|
| PE Ratio (f) | n/a | ||
| PEG Ratio (f) | n/a | ||
| EPS Growth (f) | n/a | ||
| Dividend Yield (f) | n/a | ||
| Valuation (ttm) | Industry | Market | |
|---|---|---|---|
| Price to Book Value | 2.01 | ||
| Price to Tang. Book | 2.03 | ||
| Price to Free Cashflow | 0.18 | ||
| Price to Sales | 3.14 | ||
| EV to EBITDA | 392.82 | ||
Shareholder Activity
| Type | Buy / Hold / Sell |
|---|---|
| Institutions | |
| Directors | |
| Community |
Guru Screens
Quality
| Name | Industry | Market | |
|---|---|---|---|
| Return on Capital | 1.87% | ||
| Return on Equity | 22.46% | ||
| Operating Margin | 63.95% | ||
Financial Summary
| Year End 31st Dec | Unit | 2019 | 2020 | 2021 | 2022 | 2023 | 2024E | 2025E | CAGR / Avg |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | PK₹m | 87,675.75 | 96,422.21 | 99,399.16 | 144,250.41 | 172,933.65 | n/a | n/a | 15.36% |
| Operating Profit | m | ||||||||
| Net Profit | m | ||||||||
| EPS Reported | |||||||||
| Diluted Normalised EPS | |||||||||
| EPS Growth | % | +3.2 | +1.97 | +38.06 | +29.3 | +36.33 | n/a | n/a | n/a |
| PE Ratio | x | ||||||||
| PEG | |||||||||
| Profitability | |||||||||
| Operating Margin | % | ||||||||
| ROA | % | ||||||||
| ROCE | % | ||||||||
| ROE | % | ||||||||
| Cashflow | |||||||||
| Op. Cashflow ps | |||||||||
| Capex ps | |||||||||
| Free Cashflow ps | |||||||||
| Dividends | |||||||||
| Dividend ps | |||||||||
| Dividend Growth | % | ||||||||
| Dividend Yield | % | ||||||||
| Dividend Cover | x | ||||||||
| Balance Sheet | |||||||||
| Cash etc | m | ||||||||
| Working Capital | m | ||||||||
| NFA | m | ||||||||
| Net Debt | m | ||||||||
| Book Value | m | ||||||||
| Diluted Weighted Average Shares | m | ||||||||
| Book Value ps | |||||||||
Other Ratios
| Leverage (ttm) | Total | - Intang | + Pension |
|---|---|---|---|
| Gross Gearing | |||
| Net Gearing | |||
| Cash / Assets |
| Liquidity (ttm) | |
|---|---|
| Curr. Ratio | |
| Quick Ratio | |
| Interest Cov. | |
| Efficiency (ttm) | |
|---|---|
| Asset Turnover | |
| Recs Turnover | |
| Stock Turnover | |
Recent History
| Latest interim period vs. prior period | Industry | Market | |
|---|---|---|---|
| Sales Growth | |||
| EPS Growth | |||
| 3yr Compound Annual Growth Rate | Industry | Market | |
|---|---|---|---|
| Sales CAGR | |||
| EPS CAGR | |||
| DPS CAGR | |||
Profile Summary
United Bank Limited (the Bank) is engaged in commercial banking and related services. Its segments include Corporate / Commercial Banking, Treasury, Branch Banking, Islamic Banking, International Branch Operations, and Others. The Corporate/Commercial Banking segment include project, trade and working capital finance, import and export, factoring, leasing, lending, deposits and guarantees. The Treasury segment include fixed income, equity, foreign exchange, credit, funding, own position securities, lending and borrowings and derivatives. The Branch Banking include deposits, lending and banking services to private individuals and small businesses including credit cards and branchless banking. The Islamic Banking segment represents Islamic Banking branches and Islamic banking windows in the conventional branches of the Bank. The International Branch segment represents Bank's operations in overseas locations including one branch each in export processing zones in Karachi and Sialkot.
Directors
- Mohammed Anwar Pervez NEC
- Shazad Dada PRE
- Aameer Karachiwalla CFO
- Muhammad Faisal Anwar CIO
- Aqeel Ahmed Nasir GCN
- Sajid Hussain OTH
- Zia Ijaz OTH
- Farooq Ahmed Khan OTH
- Shahid Mahmood Khan OTH
- Tanveer Farhan Mahmood OTH
- Irfan Farooq Memon OTH
- Aslam Sadruddin OTH
- Sadia Saeed OTH
- Imran Sarwar OTH
- Sharjeel Shahid OTH
- Furrukh Zaeem OTH
- Haider Zameer Choudrey NED
- Zameer Mohammed Choudrey NED
- Arshad Ahmad Mir NED
- Rizwan Pervez NED (53)
- Amar Zafar Khan IND
- Tariq Rashid IND
- Shazia Syed IND
- Last Annual
- December 31st, 2023
- Last Interim
- December 31st, 2023
- Incorporated
- July 24th, 1959
- Public Since
- June 2nd, 2005
- No. of Employees
- 13,951
- Sector
- Banking Services
- Industry
- Financials
- Exchange
London Stock Exchange- Shares in Issue
- 1,224,179,688
- Address
- UBL Head Office, KARACHI, 74000
- Web
- Phone
- +92 21111825111
- Auditors
- EY Ford Rhodes
Latest News for UBLS
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FAQ
As of Today at 19:22 UTC, shares in United Bank are trading at $6.40. This share price information is delayed by 15 minutes.
Shares in United Bank last closed at $6.40 and the price had moved by over the past 365 days. In terms of relative price strength the United Bank share price has underperformed the FTSE All Share Index by -1.73% over the past year.
There is no consensus recommendation for this security.
The United Bank dividend yield is 9.91% based on the trailing twelve month period.
Last year, United Bank paid a total dividend of PK₹176.00, and it currently has a trailing dividend yield of 9.91%.Looking ahead, the next dividend pay date is 2024-05-01.
We do not have data on when United Bank is to next pay dividends. The historic dividend yield on United Bank shares is currently 9.91%.
To buy shares in United Bank you'll need a share-dealing account with an online or offline stock broker. Once you have opened your account and transferred funds into it, you'll be able to search and select shares to buy and sell. You can use Stockopedia’s share research software to help you find the the kinds of shares that suit your investment strategy and objectives.
As of the previous close price of $6.40, shares in United Bank had a market capitalisation of $1.96bn.
Here are the trading details for United Bank:
- Country of listing: United Kingdom
- Exchange: LSE
- Ticker Symbol: UBLS
Based on an overall assessment of its quality, value and momentum United Bank is currently classified as a Neutral. The classification is based on a composite score that examines a wide range of fundamental and technical measures. Stock are classified on the the following spectrum: Super Stocks, High Flyers, Contrarians, Turnarounds, Neutral, Value Traps, Momentum Traps, Falling Stars, and Sucker Stocks. For more information, learn about our StockRank Styles.
We could not find analyst target price data for this security.
An important predictor of whether a stock price will go up is its track record of momentum. Price trends tend to persist, so it's worth looking at them when it comes to a share like United Bank. Over the past six months, its share price has underperformed the FTSE All Share Index by -5.57%.
As of the last closing price of $6.40, shares in United Bank were trading matched their 200 day moving average. You can read more about the power of momentum in assessing share price movements on Stockopedia.
The United Bank PE ratio based on its reported earnings over the past 12 months is null. The shares last closed at $6.40.
The PE ratio (or price-to-earnings ratio) is the one of the most popular valuation measures used by stock market investors. It is calculated by dividing a company's price per share by its earnings per share.
The PE ratio can be seen as being expressed in years, in the sense that it shows the number of years of earnings which would be required to pay back the purchase price, ignoring inflation. So in general terms, the higher the PE, the more expensive the stock is.
United Bank's management team is headed by:
- Mohammed Anwar Pervez - NEC
- Shazad Dada - PRE
- Aameer Karachiwalla - CFO
- Muhammad Faisal Anwar - CIO
- Aqeel Ahmed Nasir - GCN
- Sajid Hussain - OTH
- Zia Ijaz - OTH
- Farooq Ahmed Khan - OTH
- Shahid Mahmood Khan - OTH
- Tanveer Farhan Mahmood - OTH
- Irfan Farooq Memon - OTH
- Aslam Sadruddin - OTH
- Sadia Saeed - OTH
- Imran Sarwar - OTH
- Sharjeel Shahid - OTH
- Furrukh Zaeem - OTH
- Haider Zameer Choudrey - NED
- Zameer Mohammed Choudrey - NED
- Arshad Ahmad Mir - NED
- Rizwan Pervez - NED
- Amar Zafar Khan - IND
- Tariq Rashid - IND
- Shazia Syed - IND