Karachi Stock Exchange · Pakistan · Updated after 22 Oct 2026 close
United Bank Ltd
UBL · Karachi Stock Exchange · prices in PKR
PKR 400.04▼ -13.59 (3.29%)
About United Bank Ltd
United Bank Limited is a commercial bank based in Karachi, Pakistan. It offers retail and corporate banking, including deposit accounts, consumer and business lending, trade finance, remittances and Islamic banking services. Its customers include individuals, small and medium businesses, large companies and public institutions. The bank serves clients through branches across Pakistan and through operations in other countries, and it provides digital and card-based banking alongside its branch network.
The shares are listed on the Karachi Stock Exchange in Pakistan under the code UBL, and the price on this page is in Pakistani rupees (PKR). Our dividend records, which start in 2019, show payments in 8 different calendar years. The Market X-Ray on this page is price-based and compares it with other stocks on the same exchange; it does not measure how healthy the business is.
Market X-Ray · price-based
Fair price profile
Ranks #90 of 494 on the Karachi Stock Exchange · confidence High
What this score is, and is not
It describes how this stock has traded: trend, momentum, risk, liquidity and dividends, each ranked against the other stocks on its own exchange. It does not measure how healthy or cheap the business is. That fundamental X-Ray needs financial statements, which we do not have for Pakistan yet.
TrendFair
60/100
Mixed trend against its averages.
See the numbers →
Above 200-day average-7.3%
From 52-week high-20.5%
MomentumWeak
48/100
Lagging most stocks on this exchange.
See the numbers →
3-month return-13.9%
6-month return-5.9%
12-month, skipping last month10.0%
Stability (higher is calmer)Fair
64/100
Typical risk for this exchange.
See the numbers →
Volatility, 1 year (lower is calmer)42.1%
Worst drawdown, 1 year (smaller is calmer)-39.2%
LiquidityStrong
95/100
Trades actively.
See the numbers →
Avg daily value traded501.96M PKR
Zero-volume days0.0%
IncomeStrong
83/100
Dividend is high and has been paid regularly.
See the numbers →
Dividend yield8.0%
Years with dividends6
Price-based X-Ray. The fundamental X-Ray (financial health, valuation, growth, fair value) is available for US stocks today. It will follow for Pakistan when fundamentals data for this market is added. All Pakistan stocks.
Fair value estimate · limited data
PKR 396.47range of models 392.71 – 400.17
Fair
−0.9% to fair value
Average of the 3 valuation models that pass our checks. Undervalued or Overvalued means the gap to fair value is more than 17.5%. Model uncertainty is High.
PSX income statement only (no balance sheet or cash flow): only earnings and sales models can be built. Their weights were fitted to a professional consensus-style valuation of Pakistani stocks and checked on stocks that were not used for the fit, but they use no analyst forecasts. Treat this as a rough estimate.
P/E multiple
PKR 392.71
P/S multiple
PKR 396.53
P/E on average earnings
PKR 400.17
Each model multiplies the company's trailing-twelve-month earnings (or sales) by a multiple that blends its own current multiple, its own history and its sector median. Earnings per share by fiscal year, newest first: 51.33, 32.89, 43.44, 26.19. Source: statements and price from the Pakistan Stock Exchange portal and end-of-day data. A model estimate, not a price target or advice. How it works.
Factor ratings for UBL
Each factor is rated by where UBL stands among the 19 stocks of its PSX sector (Commercial Banks; all PSX stocks when the sector is too small for a fair comparison).
Rating against the group
Goodthe top third of these stocks
Averagethe middle third of these stocks
Badthe bottom third of these stocks
"Beats" is the share of those stocks it is ahead of.
For valuation factors Good means cheaper than most of the group, which is not the same as a bargain.
In total: 3 Good · 5 Average · 0 Bad of 8
Growth: 1 · 1 · 0
Valuation: 0 · 1 · 0
Price risk and momentum: 1 · 2 · 0
Liquidity: 1 · 1 · 0
| Factor | UBL | Rating | Group median |
|---|---|---|---|
| Growth | |||
| Profit growth, last financial year | +59.0% | Good beats 86% | −5.8% |
| EPS growth, 3 years a year | +25.1% | Average beats 66% | +22.6% |
| Valuation | |||
| P/E ratio (last 12 months) | 7.1x | Average beats 42% | 6.5x |
| Price risk and momentum | |||
| Volatility, 1 year | 42.1% | Average beats 34% | 36.4% |
| Worst drawdown, 1 year | −39.2% | Average beats 39% | −36.8% |
| 12-month return, skipping the last month | +10.0% | Good beats 82% | −6.1% |
| Liquidity | |||
| Average daily value traded | PKR 502.0M | Good beats 92% | PKR 46.1M |
| Days with no trading | 0.0% | Average beats 50% | 0.0% |
Built from the income-statement summary the Pakistan Stock Exchange publishes (sales, profit and EPS for up to four financial years, trailing P/E, market value) and our own end-of-day prices. The PSX portal has no balance sheet or cash flow, so there are no debt, cash-flow or book-value factors. A factor is left out when its data is missing or meaningless (for example a P/E on a loss). These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the Market X-Ray.
Price chart
52-wk range 293.25 – 517.00 Daily closes, split-adjusted
Signals
50-day average430.53
200-day average431.61
Golden/death cross (60d)Death, 0 days ago
New 52-week highNo
Bullish RSI divergenceNo
Average daily range (ATR)8.89
Technical summary
Daily
Strongly bearish
3 bullish · 1 neutral · 12 bearish
Weekly
Strongly bearish
2 bullish · 1 neutral · 9 bearish
Monthly
Neutral
4 bullish · 1 neutral · 3 bearish
Moving averages (daily)
| SMA 10 | 410.3 | Bearish |
| EMA 10 | 410.7 | Bearish |
| SMA 20 | 415.7 | Bearish |
| EMA 20 | 415.3 | Bearish |
| SMA 50 | 430.5 | Bearish |
| EMA 50 | 426.4 | Bearish |
| SMA 100 | 441.3 | Bearish |
| EMA 100 | 430.1 | Bearish |
| SMA 200 | 431.6 | Bearish |
| EMA 200 | 424.6 | Bearish |
Oscillators (daily)
| RSI (14) | 32.23 | Neutral |
| MACD (12, 26) | -6.46 | Bearish |
| Momentum (12) | -5.00 | Bearish |
| Stochastic %K (14) | 2.67 | Bullish |
| Williams %R (14) | -97.33 | Bullish |
| CCI (20) | -163.8 | Bullish |
Pivot points (classic, last session)
S3 389.5 | S2 394.4 | S1 397.2 | Pivot 402.1 | R1 404.9 | R2 409.8 | R3 412.6 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
32.00 PKR
Yield on today's price
8.00%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 8.0000 | |
| 8.0000 | |
| 8.0000 | |
| 8.0000 | |
| 8.0000 | |
| 11.0000 | |
| 11.0000 | |
| 11.0000 | |
| 11.0000 | |
| 11.0000 | |
| 11.0000 | |
| 11.0000 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax. For Pakistani companies a future date appears only once EODHD lists it as declared; the exchange's own list of book closures is on dps.psx.com.pk/payouts.
Prices are end-of-day closes in PKR. Educational only, not financial advice.