United Bank Limited, togther with its subsidiaries, provides commercial banking and related services in Pakistan and the Middle East. The company operates through seven segments: Corporate/Commercial Banking, Treasury, Branch Banking, Islamic Banking, International Branch Operations, Subsidiaries, and Others. It offers current, savings, and term deposit accounts; insurance products; consumer loans; cards; ATMs and CDMs; wealth management solutions; digital solutions, including acquiring solutions. netbanking, account discrepancy resolution, pay... [
UBL — United Bank Limited
Sector: Commercial Banks · Pakistan Stock Exchange
⚠ Prices: 6 Nov 2026 — PSX end-of-day close (feed fetched 23:14 PKT) · Fundamentals: public data collected 6 Nov 2026 · Not live prices.Summary — UBL
| Measure | Value |
|---|---|
| Price (Rs, 6 Nov — PSX delayed feed) | 425.34 |
| Change, 6 Nov session (delayed) | -1.63% |
| Volume (shares, 6 Nov session) | 1,033,824 |
| Market capitalisation | Rs 1.06 tn |
| Revenue (TTM) | Rs 495.27 bn |
| Price / Earnings (P/E) | 7.10 |
| Price / Book (P/B) | 1.95 |
| Dividend yield | 7.10% |
| Return on equity (ROE) | 31.50% |
| Net margin | 31.50% |
| Debt / Equity (as reported by source) | 1,313.70% |
| Revenue growth, 3-year | 45.60% |
Company Snapshot
| Paid-up Capital | Rs 12,521.24 mn |
| Authorized Capital | Rs 20,000.00 mn |
| Shares Outstanding | 2,504.25 mn |
| Free Float | 876.49 mn |
| Free Float % | 35.00 % |
| Face Value | Rs 5.00 |
| Fiscal Year End | December |
| Avg Volume (12M) | 2,069,327 |
| Book Value / Share | Rs. 208.06 (Upto 2026 3Q) |
| Total Book Value (computed) | Rs 521.03 bn |
Capital data: SCSTRADE company snapshot, collected 6 Nov 2026. Total Book Value is computed on this page as Book Value / Share × Shares Outstanding.
PSX Scorecard — five checks on this stock's own data
VALUE
1.5/6
FUTURE
2/6
PAST
6/6
HEALTH
3/6
DIVIDEND
5.5/6
Strongest: Past performance (6/6). Weakest: Value (1.5/6).
How this is scored
Scores are computed mechanically from the data on this page, 0–6 per axis, scaled over the checks that could be run — an axis with no data is labelled, never scored zero for missing data. VALUE: upside to the average analyst target (bands from +30% down), P/E and P/B below the sector median, yield above the sector median. FUTURE: S&P consensus forward EPS and revenue growth bands (only where estimates exist). PAST: revenue and EPS growth across the published financial history, latest year profitable, ROE bands. HEALTH: debt/equity bands, positive latest net margin, no loss-making year in the history. DIVIDEND: yield bands, years of recorded DPS, DPS trend, and payout (DPS ÷ EPS) at or under 100%. The full rule table is in the site's data inventory. Scores are a data summary, not a recommendation.
Performance — UBL
1W+2.2%
1M+1.9%
3M-10.5%
6M+9.6%
1Y+13.1%
Returns computed from daily closes to 05 Nov 2026 (Yahoo Finance PSX series, collected 6 Nov 2026); each bar is scaled to the largest move shown.
52-week range — daily-close series
52-week lowRs 306.10Now Rs 425.34
+39.0% above low · −15.5% below high52-week highRs 503.14
+39.0% above low · −15.5% below high52-week highRs 503.14
Day range — 6 Nov 2026 session
Day lowRs 424.50Close Rs 425.34Day highRs 431.00
Day high/low from the official PSX market-summary feed for the 6 Nov 2026 session.
Investment Case — UBL
Average analyst target vs current price
Average target Rs 518.75 vs current price Rs 425.34 — +22.0% upside to the average target.
Average of 2 targets (1 broker house + StockAnalysis consensus), latest per house. This is the named analysts' average, not a PSX Analysis fair-value estimate.
Strengths — from the numbers
- Revenue grew +327.6% across the published history, FY2021–FY2025 (Rs 100,309m → Rs 428,910m).
- Earnings per share grew +319.7% across the published history, FY2021–FY2025 (Rs 12.42 → Rs 52.13).
- Net margin of 30.31% in the latest published year, FY2025.
- Return on equity of 31.50% on the dataset's trailing figures.
- Dividends recorded in every one of the 5 years in the published record; latest DPS Rs 29.50 (2025), a dividend yield of 7.10% at the current price.
- Share price is up +13.1% over the past year on the chart series (2025-11-06 → 2026-11-05).
Risks / watch points — from the numbers
- Debt/equity of 13.14 — above 2 (the source reports this figure as 1,313.70%).
Recent performance — FY2025
| Revenue | Rs 428,910m (+75.4% vs FY2024) |
| Net income | Rs 130,000m (+73.0% vs FY2024) |
| EPS | Rs 52.13 (+69.8% vs FY2024) |
| Net margin | 30.31% |
Latest published fiscal year from the financial history below (StockAnalysis figures, collected 6 Nov 2026).
Generated from the figures above — PSX Analysis data summary, not investment advice.
Upcoming Result — Broker Forecasts
| House | Result period | Expected EPS | Expected dividend / share | Expected profit | Preview date |
|---|---|---|---|---|---|
| Intermarket Securities | 3QCY26 | Rs 14.27 | Rs 8.00 | — | 15 Oct 2026 |
Source: Pakistan Market: IMS Universe Earnings Previews - Jul-Sep 2026. Collected 6 Nov 2026.
Expected Dividend — Broker Estimate
| House | Expected dividend / share | Expected yield |
|---|---|---|
| SCSTRADE (Standard Capital Securities) | Rs 35.39 | 8.32% |
House's published expected dividend, Upto 2026 3Q — SCSTRADE company snapshot, collected 7 Nov 2026.
Forecasts are the publishing houses' own estimates — not actual results and not PSX Analysis estimates.
Quotes — UBL
| Quote | Value |
|---|---|
| Last price (Rs) | 425.34 |
| Change, 6 Nov session | -1.63% |
| Day open, 6 Nov (Rs) | 425.56 |
| Day high, 6 Nov (Rs) | 431.00 |
| Day low, 6 Nov (Rs) | 424.50 |
| Previous close — LDCP (Rs) | 432.38 |
| Volume (shares, 6 Nov session) | 1,033,824 |
| Market capitalisation | Rs 1.06 tn |
| 1-year high (chart series, Rs) | 503.14 |
| 1-year low (chart series, Rs) | 306.10 |
| 1-year change (chart series) | +13.1% |
Day open/high/low and previous close (LDCP) are from the official PSX market-summary feed for the 6 Nov 2026 session, the same feed that supplies the closing price. 1-year figures are computed from the daily-close chart series below.
Last 10 trading sessions
| Date | Close (Rs) | Change |
|---|---|---|
| 05 Nov 2026 | 422.00 | +0.00% |
| 04 Nov 2026 | 422.00 | +2.26% |
| 03 Nov 2026 | 412.67 | +0.68% |
| 02 Nov 2026 | 409.88 | +0.05% |
| 30 Oct 2026 | 409.68 | -0.79% |
| 29 Oct 2026 | 412.96 | +0.63% |
| 28 Oct 2026 | 410.36 | -0.11% |
| 27 Oct 2026 | 410.80 | +0.72% |
| 26 Oct 2026 | 407.85 | +2.16% |
| 23 Oct 2026 | 399.23 | -0.20% |
Daily closes: Yahoo Finance PSX series, collected 6 Nov 2026. The series records closes only, so no volume column is shown.
Technical Chart — UBL
Loading chart…
Daily candles — Yahoo Finance daily data to 6 Nov 2026 · End-of-day, delayed — not real-time prices.
2024-11-06 → 2026-11-06 · +35.8% over the period · 515 trading days · Moving averages, RSI and MACD are computed in your browser from the same daily bars. Trend lines connect the two most recent swing highs/lows.
1-year returns compared
| 1-year price change | Change |
|---|---|
| UBL (this stock) | +13.1% |
| Sector median — Commercial Banks (median of 18 stocks in our dataset) | -8.0% |
| All listed stocks median (median of 440 stocks in our dataset) | -6.2% |
Price change only (dividends not included), from the daily-close series above.
Technicals — UBL
Moving averages
| Average | Value (Rs) | Price vs average |
|---|---|---|
| MA20 — 20-session average | 411.02 | Price Above |
| MA50 — 50-session average | 421.41 | Price Above |
| MA200 — 200-session average | 425.25 | Price Above |
RSI (14) — 56.9 · Neutral
030 — oversold below70 — overbought above100
Wilder RSI(14) computed from the daily-close series. RSI is a momentum gauge, not a buy or sell signal.
Classic pivot levels — from the 6 Nov session
| Level | Rs |
|---|---|
| Resistance 2 (R2) | 433.45 |
| Resistance 1 (R1) | 429.39 |
| Pivot point (PP) | 426.95 |
| Support 1 (S1) | 422.89 |
| Support 2 (S2) | 420.45 |
Classic pivots from the 6 Nov 2026 session's high (Rs 431.00), low (Rs 424.50) and close (Rs 425.34) in the official PSX feed. The close sits below the pivot point.
Signals summary
| Reading | Status |
|---|---|
| Price vs MA20 | Above |
| Price vs MA50 | Above |
| Price vs MA200 | Above |
| RSI (14) zone | Neutral (56.9) |
| MACD vs signal line | Above |
| Short-term trend (MA20 vs MA50) | Down |
| Medium-term trend (MA50 vs MA200) | Down |
| Long-term trend (price vs MA200) | Up |
Trend labels compare the named averages (long-term compares the price with MA200); “Up” means the first-named sits above the second. Mechanical readings from daily closes — not investment advice.
Technicals are mechanical calculations on past prices. Based on daily closes to 05 Nov 2026. They describe momentum and recent trading ranges only — not investment advice.
Company — UBL
| Company | United Bank Limited |
| Symbol | UBL |
| Sector | Commercial Banks |
| Market capitalisation | Rs 1.06 tn |
| Revenue (TTM) | Rs 495.27 bn |
Founded 1959 · Employees 23,916 — as published by StockAnalysis.
Company description: StockAnalysis company profile, collected 6 Nov 2026.
Exchange record: PSX company profile for UBL (Pakistan Stock Exchange data portal).
Financials — UBL
Revenue (TTM)
Rs 495,111m
Rs 495,111m
Net income (TTM)
Rs 146,463m
Rs 146,463m
EPS (TTM)
Rs 67.91
Rs 67.91
Net margin (TTM)
29.58%
29.58%
P/E
7.10
7.10
P/B
1.95
1.95
Dividend yield
7.10%
7.10%
ROE
31.50%
31.50%
Net margin
31.50%
31.50%
Debt / Equity
1,313.70%
1,313.70%
| Measure | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 F |
|---|---|---|---|---|---|---|
| Revenue (Rs m) | 100,309 | 127,149 | 184,067 | 244,467 | 428,910 | 422,650 |
| Net income (Rs m) | 30,409 | 31,535 | 55,145 | 75,156 | 130,000 | — |
| EPS (Rs) | 12.42 | 12.88 | 22.52 | 30.70 | 52.13 | 58.60 |
| Net margin | 30.31% | 24.80% | 29.96% | 30.74% | 30.31% | — |
| Dividend per share (Rs) | 9.00 | 11.00 | 22.00 | 22.00 | 29.50 | 32.00 |
Trailing twelve months (to Sep 30, 2026, not a completed fiscal year): Revenue Rs 495,111m · Net income Rs 146,463m · EPS Rs 67.91 · Net margin 29.58%.
Source: StockAnalysis financials, collected 6 Nov 2026 — this stock's published history here spans FY2021–FY2025 (5 fiscal years; the source table publishes a maximum of five completed years per stock). A dash means the source did not publish that figure for that year.
F = analyst consensus forecast — S&P Global estimates via StockAnalysis, collected 7 Nov 2026. Forecasts are estimates, not results. The source publishes forecast revenue, EPS and dividend per share only — no forecast operating income, net income or margin — so those cells are dashed.
Dividend History
| Dividend per share (Rs, per fiscal year) | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| DPS | 9 | 11 | 22 | 22 | 29.5 |
A dash means no dividend was recorded for that year in the source. Source: StockAnalysis dividend history, collected 6 Nov 2026.
All recorded dividend payments
Payments recorded since 2022 — StockAnalysis, collected 7 Nov 2026.
| Ex-dividend date | Dividend (Rs) | Pay date |
|---|---|---|
| Oct 22, 2026 | 8.000 | Oct 26, 2026 |
| Jul 31, 2026 | 8.000 | Aug 7, 2026 |
| Apr 23, 2026 | 8.000 | Apr 29, 2026 |
| Mar 19, 2026 | 8.000 | Mar 31, 2026 |
| Oct 23, 2025 | 8.000 | Oct 30, 2025 |
| Jul 18, 2025 | 8.000 | Jul 25, 2025 |
| Apr 28, 2025 | 5.500 | May 5, 2025 |
| Mar 11, 2025 | 5.500 | Mar 25, 2025 |
| Nov 1, 2024 | 5.500 | Nov 15, 2024 |
| Aug 8, 2024 | 5.500 | Aug 21, 2024 |
| Apr 25, 2024 | 5.500 | May 8, 2024 |
| Mar 7, 2024 | 5.500 | Mar 21, 2024 |
| Nov 3, 2023 | 5.500 | Nov 14, 2023 |
| Jul 27, 2023 | 5.500 | Aug 9, 2023 |
| May 10, 2023 | 5.500 | May 18, 2023 |
| Mar 20, 2023 | 4.500 | Apr 7, 2023 |
| Oct 31, 2022 | 2.000 | Nov 10, 2022 |
| Aug 15, 2022 | 2.000 | Aug 25, 2022 |
| Apr 27, 2022 | 2.500 | May 16, 2022 |
| Mar 18, 2022 | 3.000 | Mar 30, 2022 |
Payout ratio, FY2025: dividend per share Rs 29.50 ÷ EPS Rs 52.13 = 56.6% of earnings paid out as dividends.
Valuation & Fair Value — UBL
Broker Fair Value — average target price
Rs 518.75
Current price Rs 425.34 · +22.0% · verdict on the target-upside bands: Undervalued
Average of 2 target prices (1 broker house + StockAnalysis consensus), range Rs 495.00–542.50. See the Target Prices page for houses and dates. Targets are the houses' own estimates.
Fair P/E Value — sector multiple
Rs 407.46
Current price Rs 425.34 · -4.2%
Formula: sector median P/E 6.00× × EPS Rs 67.91 = Rs 407.46. Sector median across 19 Commercial Banks peers with a published P/E — the same basis as the median table below. EPS is the trailing-twelve-month (TTM) figure published in the dataset.
Fair P/B Value — sector multiple
Rs 189.33
Current price Rs 425.34 · -55.5%
Formula: sector median P/B 0.91× × book value per share Rs 208.06 = Rs 189.33. Sector median across 19 Commercial Banks peers with a published P/B — the same basis as the median table below. Book value per share from the SCSTRADE company snapshot (Upto 2026 3Q), collected 6 Nov 2026.
1 of 3 measures above the current price. Each measure stands on its own stated basis — they are deliberately not blended into a single fair value. Mechanical estimates computed from published data; not investment advice.
| Measure | UBL | Sector median |
|---|---|---|
| Price / Earnings (P/E) | 7.10 | 6.00 |
| Price / Book (P/B) | 1.95 | 0.91 |
| Dividend yield | 7.10% | 8.90% |
| Return on equity (ROE) | 31.50% | 17.00% |
Sector median across 19 listed peers in our dataset (sector: Commercial Banks), computed only from peers where the measure is published; a median is shown only when at least 5 peers have the measure.
Consensus — UBL
Analyst Forecasts — StockAnalysis / S&P Global consensus
Consensus rating: Buy · 5 analysts polled by S&P Global · Consensus price target: Rs 542.50 (range Rs 495.00 – Rs 590.00)
| Analyst estimate | FY2026 (E) |
|---|---|
| Revenue estimate (Rs m) | 422,650 |
| EPS estimate (Rs) | 58.60 |
| Dividend estimate (Rs/share) | 32.00 |
Analyst estimates — not our forecasts. This is the international S&P Global consensus republished by StockAnalysis (collected 7 Nov 2026); it is a different source from the Pakistani broker-house targets on the Broker Target Prices page. (E) = estimated future fiscal year.
Ratings — UBL
S&P Global consensus rating (via StockAnalysis): Buy — from 5 analysts.
| Broker house | Target (Rs) | Implied upside vs Rs 425.34 |
|---|---|---|
| Foundation | 495.00 | +16.4% |
Latest published target per house. Full report dates, ratings and the houses' track record: Broker Target Prices. Targets are the houses' own estimates, not investment advice.
Calendar — UBL
| Ex-dividend date | Dividend (Rs) | Pay date | Status |
|---|---|---|---|
| Oct 22, 2026 | 8.000 | Oct 26, 2026 | Paid |
| Jul 31, 2026 | 8.000 | Aug 7, 2026 | Paid |
| Apr 23, 2026 | 8.000 | Apr 29, 2026 | Paid |
| Mar 19, 2026 | 8.000 | Mar 31, 2026 | Paid |
| Oct 23, 2025 | 8.000 | Oct 30, 2025 | Paid |
| Jul 18, 2025 | 8.000 | Jul 25, 2025 | Paid |
| Apr 28, 2025 | 5.500 | May 5, 2025 | Paid |
| Mar 11, 2025 | 5.500 | Mar 25, 2025 | Paid |
Dividend dates as recorded by StockAnalysis (collected 6 Nov 2026); past payments are labelled Paid. Market-closed days that affect settlement: PSX Holidays 2026 · more yields and payers on the dividend hub.
Sector — UBL
UBL ranks #1 by market capitalisation among the 19 listed Commercial Banks stocks in our dataset. Full sector tables: Sectors.
FAQ — UBL
What is the current UBL share price?
United Bank Limited (UBL) last traded at Rs 425.34 in the 6 Nov 2026 session, -1.63% on the day. Prices on this page are the PSX end-of-day close from the official delayed feed, not live prices.
What is UBL's 52-week range?
Across the daily-close series (2025-11-06 to 2026-11-05), UBL traded between Rs 306.10 and Rs 503.14. The latest close in the series was Rs 422.00.
Which PSX sector is UBL in?
United Bank Limited (UBL) is classified in the Commercial Banks sector on the Pakistan Stock Exchange.
What is the latest UBL dividend?
Total dividend per share for fiscal 2025 was Rs 29.50; the most recent recorded payment is Rs 8.00 per share (ex-date Oct 22, 2026, pay date Oct 26, 2026). Dividend history as recorded by StockAnalysis, collected 6 Nov 2026.
What are UBL's P/E ratio and dividend yield?
United Bank Limited (UBL) shows a P/E ratio of 7.10 and a dividend yield of 7.10% in the public data collected 6 Nov 2026.
Answers are generated from this page's own figures (public data collected 6 Nov 2026; prices are the 6 Nov 2026 PSX end-of-day close, not live).
Broker target prices: UBL is covered on our Broker Target Prices page — see the consensus range across Pakistan's big research houses and each house's own call, rating and report date.
United Bank Limited (UBL) is classified in the Commercial Banks sector on the Pakistan Stock Exchange.
Every figure above comes from public listings collected on 6 November 2026 (StockAnalysis and SmartMoney, merged by symbol), with the price, change and volume refreshed on 6 Nov 2026 from the official PSX delayed market feed (end-of-day close, fetched 23:14 PKT) — delayed figures, not live prices. If this stock was absent from that feed, its price is the previous latest close. A dash means the measure was not published for this stock by the sources, not that it is zero. Compare UBL with the market's largest shares in the Top 250 screener, browse the whole market in Stocks A–Z, and read the ratios explainer in Learn.
This page is a data summary for education, not a recommendation to buy or sell UBL.