ScoreWhy is United Bank Ltd. ?
1
Efficient Cost Management with a low Cost to Income Ratio of 39.48%
2
The company has declared Positive results for the last 16 consecutive quarters
- NII(Q) Highest at PKR 85,085.74 MM
- NET SALES(9M) At PKR 832,171.48 MM has Grown at 42.59%
- CASH AND EQV(HY) Highest at PKR 664,022.45 MM
3
With ROE of 21.3, it has a very attractive valuation with a 1.8 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 0%, its profits have risen by 36% ; the PEG ratio of the company is 0.2
- At the current price, the company has a high dividend yield of 6.3
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to United Bank Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is United Bank Ltd. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
United Bank Ltd.
-100.0%
3.81
36.47%
Pakistan KSE 100 Share
26.26%
2.81
22.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
49.90%
EBIT Growth (5y)
55.88%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
56.59%
Pledged Shares
0
Institutional Holding
0.06%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
1.06
EV to EBIT
41.73
EV to EBITDA
38.98
EV to Capital Employed
1.00
EV to Sales
5.16
PEG Ratio
0.18
Dividend Yield
2.82%
ROCE (Latest)
2.41%
ROE (Latest)
16.61%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at PKR 92,271 MM
NET PROFIT(9M)
Higher at PKR 100,126.98 MM
CASH AND EQV(HY)
Highest at PKR 1,007,136.12 MM
DIVIDEND PER SHARE(HY)
Highest at PKR 0
OPERATING PROFIT(Q)
Highest at PKR 73,159.64 MM
-2What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)
Lowest at 56.66%
Here's what is working for United Bank Ltd.
NII
Highest at PKR 92,271 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Profit
At PKR 100,126.98 MM has Grown at 102.71%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (PKR MM)
Operating Profit
Highest at PKR 73,159.64 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (PKR MM)
Cash and Eqv
Highest at PKR 1,007,136.12 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at PKR 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (PKR)
Net Profit
Higher at PKR 100,126.98 MM
than preceding 12 month period ended Sep 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (PKR MM)
Depreciation
Highest at PKR 3,989.82 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (PKR MM)
CASA
Highest at 19.31%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for United Bank Ltd.
Dividend Payout Ratio
Lowest at 56.66%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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