United Bank Limited UBL
Rs 410.90
Vol583,202Updated15:5012 Oct 2026
At a Glance
The headline take on UBL — valuation, income, returns, and efficiency
Consolidated snapshot
Price & Performance
Closing prices across timeframes, returns, and range context
UBL — Price History
Daily closing series · toggle period below
Key Metrics
Valuation, profitability, structure, and risk in one grid
Dividend History & Yield
Payout track record, yield trend, and upcoming distribution
UBL has paid Rs 32.00 per share in cash dividends over the trailing 12 months — a 7.7% yield at the last close. Its most recent payout was Rs 8.00/share, announced 22 Jul 2026 with book closure from 03 Aug 2026. Annual dividend-per-share history back to 2016 is charted below.
Latest Payout
Dividend Per Share Trend
Payout History
Source: PSX company payouts
| Announced | For Period | Type | Amount | Book Closure |
|---|---|---|---|---|
| 22 Jul 2026 | 30 Jun 2026 (HYR) | Cash | Rs 8.00(160%) | 03 Aug 2026 – 08 Aug 2026 |
| 15 Apr 2026 | 31 Mar 2026 (IQ) | Cash | Rs 8.00(160%) | 24 Apr 2026 – 27 Apr 2026 |
| 25 Feb 2026 | 31 Dec 2025 (YR) | Cash | Rs 8.00(160%) | 26 Mar 2026 – 26 Mar 2026 |
| 15 Oct 2025 | 30 Sep 2025 (IIIQ) | Cash | Rs 8.00(160%) | 27 Oct 2025 – 29 Oct 2025 |
| 11 Jul 2025 | 30 Jun 2025 (HYR) | Cash | Rs 8.00(160%) | 22 Jul 2025 – 24 Jul 2025 |
| 16 Apr 2025 | 31 Mar 2025 (IQ) | Cash | Rs 5.50(110%) | 30 Apr 2025 – 02 May 2025 |
| 19 Feb 2025 | 31 Dec 2024 (YR) | Cash | Rs 5.50(110%) | 13 Mar 2025 – 19 Mar 2025 |
Financials & Earnings
Income, balance sheet, and key ratios from published accounts
UBL's market capitalisation stands at Rs 1.04T as of 09 Oct 2026 — up 3.9% over the past 12 months (from Rs 1.00T).
Financial Statements
How UBL's income and balance sheet have evolved
| PKR Millions | Mar-26 | Dec-25 | Sep-25 | Jun-25 | Mar-25 | Dec-24 | Sep-24 | Jun-24 | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Net Sales / Revenue | 140,807 | 109,746 | 106,393 | 107,855 | 101,228 | 91,649 | 68,389 | 48,769 | |
| Administrative Expenses | 38,643 | 42,272 | 31,034 | 34,447 | 25,206 | 35,139 | 23,024 | 19,751 | |
| Profit Before Tax | 100,601 | 66,067 | 74,667 | 74,235 | 76,138 | 42,671 | 43,069 | 29,054 | |
| Taxation | 52,181 | 36,141 | 39,305 | 45,614 | 40,026 | 16,624 | 24,747 | 13,786 | |
| Profit After Tax | 48,420 | 29,926 | 35,362 | 28,621 | 36,112 | 26,047 | 18,322 | 15,268 | |
| EPS - Basic (Rs) | Rs 19.33 | Rs 11.95 | Rs 14.12 | Rs 11.43 | Rs 14.67 | Rs 10.64 | Rs 7.48 | Rs 6.05 |
Showing 8 of 8 quarters · scroll horizontally to see more periods.
All figures in PKR millions from published accounts.
Profitability & Returns
Margins, returns on capital, and earnings per share
Latest · Mar-26
| Ratio | Value |
|---|---|
| Net profit margin | 34.4% |
Net profit margin
Net profit ÷ revenue · %
Financial Health
Coverage, leverage, and the strength of the balance sheet
Latest · Mar-26
| Ratio | Value |
|---|---|
| Asset turnover | 0.01x |
| Effective tax rate | 51.9% |
Asset turnover
Revenue ÷ total assets · times
Market cap trajectory
Close × current shares outstanding · current Rs 1.04T
Valuation & Capital Returns
What the market is paying for UBL, and what it returns to shareholders
Latest · Mar-26
| Ratio | Value |
|---|---|
| Price to earnings | 17.17x |
| Price to book | 1.97x |
| Price to sales | 5.90x |
Price to earnings
Period-end price ÷ EPS · times
Technical Analysis
Trading signal, moving averages, momentum, and key levels
10-day SMA (Rs 419.96) is below the 30-day SMA (Rs 426.79). RSI at 40 sits in the neutral band.
Moving AverageThe average close over a set window (10/30/200 days) — smooths daily noise to reveal the trend.Read the full guide →
| Period | Value | vs Current | Position |
|---|---|---|---|
| SMA 10 | Rs 419.96 | +2.20% | Below |
| SMA 30 | Rs 426.79 | +3.87% | Below |
| SMA 60 | Rs 445.74 | +8.48% | Below |
| SMA 200 | Rs 431.79 | +5.08% | Below |
At 40, momentum sits within the neutral band (30–70), suggesting balanced buying and selling pressure.
- MACD-5.65
- Signal-6.35
- Histogram+0.70
Leverage Insights
MTS, margin financing, futures open interest, and combined exposure
Leverage Composition
MTS · MFS stacked over the selected window
As of 12 Oct 2026
Futures Blank Sale Insights
Blank sale value vs OI and free float
Settlement Insights
UIN-wise settlement concentration and price context
Metrics and charts over the selected trailing window
Settlement % Trajectory
Solid = UIN settlement % · Dashed = 14-session EMA
As of 12 Oct 2026
Price vs Settlement
Close price (left axis) · UIN settlement % (right axis)
About the Company
Business description, governance, and corporate information
United Bank Limited is a banking company incorporated in Pakistan and is engaged in commercial banking and related services. The Bank is a subsidiary of Bestway International Holdings Limited which is a wholly owned subsidiary of Bestway Group Limited.
Corporate Information
- RegistrarTHK Associates (Private) Limited, Plot No. 32-C, Jami Commercial Street 2, D.H.A, Phase-VII, Karachi
- AuditorM/s. EY Ford Rhodes Chartered Accountants.
- Websitewww.ubldigital.com
- Address13th Floor, UBL Building, Jinnah Avenue, Blue Area, Islamabad.
- SectorCommercial Banks
- Financial Year EndDecember
Key People
| Name | Role |
|---|---|
MJMuhammad Jawaid Iqbal | CEO |
LZLord Zameer M. Choudrey, CBE, SI Pk | Chairperson |
AAAqeel Ahmed Nasir | Company Secretary |
Reports & Filings
- Quarterly Report — 30 Jun 2026PDF
- Quarterly Report — 31 Mar 2026PDF
- Quarterly Report — 30 Sep 2025PDF
- Quarterly Report — 30 Jun 2025PDF
- Quarterly Report — 31 Mar 2025PDF
- Annual Report FY2025PDF
- Quarterly Report — 30 Sep 2024PDF
- Quarterly Report — 30 Jun 2024PDF
Sourced from official PSX financial-report submissions.
Recent Announcements
Latest company filings as reported on PSX
Filings and disclosures from the PSX announcement feed
- 07 Oct 2026Board Meeting
- 06 Oct 2026Insider TradingDisclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX Regulations
- 02 Oct 2026Insider TradingDisclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX Regulations
- 30 Sep 2026Insider TradingDisclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX Regulations
- 18 Sep 2026Insider TradingDisclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX Regulations
- 28 Aug 2026Report
- 25 Aug 2026General Meeting
- 19 Aug 2026Insider TradingDisclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX Regulations
Peers in Commercial Banks
How the cohort is moving — same-sector stocks by market cap
UBL vs Commercial Banks sector median
| Metric | UBL | Sector median |
|---|---|---|
| P/E RatioShare price ÷ earnings per share — the price you pay for each rupee of annual profit. Compare within a sector.Read the full guide → | 8.0x | 6.4x |
| Dividend YieldTrailing-12-month cash dividends ÷ share price. A high yield can signal income — or a falling price.Read the full guide → | 7.7% | 7.8% |
| Return on EquityNet profit ÷ shareholders' equity — how hard the company works each rupee investors have put in.Read the full guide → | 31.5% | 17.1% |
| 1-Year Return | +3.2% | -6.3% |
| Market CapitalisationShare price × total shares — the company's full market value, and the basis for index weightings.Read the full guide → | Rs 1.04T | Rs 152.52B |
Commercial Banks · sector heat
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Frequently Asked Questions
The most common questions investors ask about UBL
UBL last traded at Rs 410.90, down 1.44% on the day, within a 52-week range of Rs 293.25–517.00. Prices on this page refresh every 15 minutes during market hours; log in to BSL for live quotes.
United Bank Limited is a banking company incorporated in Pakistan and is engaged in commercial banking and related services. See About the Company on this page for the full profile, management, and corporate information.
UBL has paid Rs 32.00 per share in cash dividends over the trailing 12 months — a 7.7% yield at the last close. Review the payout history in the Dividends section and compare with the highest dividend yield stocks on PSX.
No upcoming payout is announced yet. The most recent was a payout of Rs 8.00 per share with book closure from 03 Aug 2026. New announcements appear on this page and on the PSX ex-dates calendar.
Yes — UBL is a KSE-100 constituent. See the full KSE-100 index constituents and weights. UBL is not currently on the PSX Shariah-compliant list.
UBL trades at 8.0x earnings against a Commercial Banks median of 6.4x, with a 7.7% dividend yield versus 7.8%. The full comparison table and peer list are in the Peers section, or explore the Commercial Banks sector page.
Like all Pakistani banks, United Bank Limited prices most of its lending off KIBOR, so the rate cycle drives its spread income: rising KIBOR generally widens lending margins, while falling rates compress them but lift loan demand and bond valuations. Track the benchmark on the daily KIBOR rates page.
Annual reports for FY2025 are linked under Reports & Filings in the About section of this page, sourced from official PSX submissions.
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