United Bank Ltd UBL

Morningstar Rating

About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

UBL is trading within a range we consider fairly valued.
Price
PKR 293.99
Fair Value
PKR 296.44
Uncertainty
High
1-Star Price
PKR 376.37
5-Star Price
PKR 668.43
Economic Moat
Ptsng
Capital Allocation

Trading Information

Previous Close Price
Day Range
52-Week Range
Bid/Ask
/
Market Cap
Volume/Avg
/

Key Statistics

Price/Earnings (Normalized)
5.94
Price/Sales
2.02
Dividend Yield (Trailing)
14.98%
Dividend Yield (Forward)
14.98%
Total Yield
14.98%

Company Profile

United Bank Ltd is a commercial banking company. The company's operating segment includes Corporate/Commercial Banking; Treasury; Branch Banking; Islamic Banking; International Branch Operations and Others. It generates maximum revenue from the Branch Banking segment. The Branch Banking segment includes deposits, lending and banking services to private individuals and small businesses including credit cards and branchless banking. Geographically, it derives most of its revenue from Pakistan and also has a presence in the Middle East and Export Processing Zones.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Mid Value
Total Number of Employees
15,297

Comparables

Valuation

Metric
UBL
MCB
AKBL
Price/Earnings (Normalized)
5.943.901.89
Price/Book Value
1.331.140.39
Price/Sales
2.021.360.53
Price/Cash Flow
5.174.511.91
Price/Earnings
UBL
MCB
AKBL

Financial Strength

Metric
UBL
MCB
AKBL
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
UBL
MCB
AKBL
Return on Assets (Normalized)
1.09%2.65%0.97%
Return on Equity (Normalized)
23.59%30.32%23.09%
Return on Invested Capital (Normalized)
Return on Assets
UBL
MCB
AKBL

Banks - Regional Industry Comparables

1-Day Chart
Name
Price
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNP Paribas ADR
BNPQY
ZgjsjgcMbw$79.5 Bil
Intesa Sanpaolo ADR
ISNPY
TdqnwvbdhmQxf$77.0 Bil
PNC Financial Services Group Inc
PNC
YpzqpdwlqJjczc$72.9 Bil
U.S. Bancorp
USB
NnysddxbbVtgd$70.7 Bil
Itau Unibanco Holding SA ADR
ITUB
SldlmdqjTrds$61.2 Bil
Truist Financial Corp
TFC
RvsghhzXrrkrh$56.7 Bil
Mizuho Financial Group Inc ADR
MFG
ShklglvhGlp$50.7 Bil
Lloyds Banking Group PLC ADR
LYG
QgdhhhxSzfnks$48.3 Bil
NatWest Group PLC ADR
NWG
JzmstpdlVcks$38.2 Bil
Deutsche Bank AG
DB
PtdlRbfff$33.6 Bil

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