United Bank Limited (PSX:UBL)

United Bank Ratios and Metrics

Market cap in millions PKR. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	May 12, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	606,287	467,918	217,708	123,336	167,198	154,075
Market Cap Growth	125.42%	114.93%	76.52%	-26.23%	8.52%	-23.49%
Last Close Price	495.26	363.75	139.46	57.98	67.86	52.93
PE Ratio	6.43	6.23	3.95	3.91	5.50	7.36
PS Ratio	2.05	1.91	1.18	0.97	1.67	1.96
PB Ratio	1.72	1.46	0.76	0.54	0.73	0.74
P/FCF Ratio	-	0.31	0.09	-	0.83	0.97
P/OCF Ratio	-	0.30	0.09	-	0.81	0.95
Debt / Equity Ratio	15.46	15.21	9.96	2.56	2.56	0.74
Debt / FCF Ratio	2.61	3.18	1.15	-	2.89	0.96
Return on Equity (ROE)	30.24%	24.67%	21.93%	14.02%	14.08%	10.44%
Return on Assets (ROA)	1.22%	1.07%	1.27%	1.11%	1.23%	0.98%
Earnings Yield	15.72%	16.06%	25.33%	25.57%	18.19%	13.59%
FCF Yield	343.51%	327.88%	1141.15%	-210.05%	121.22%	103.52%
Dividend Yield	8.77%	12.10%	31.55%	37.94%	26.53%	22.67%
Payout Ratio	56.49%	71.62%	107.42%	56.72%	77.68%	38.87%
Total Shareholder Return	8.64%	12.10%	31.55%	37.94%	26.53%	22.67%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.