United Bank Ltd (UBL)
Karachi Stock Exchange · Pakistan · prices in PKR · close of 22 Oct 2026
Key indicators
| Last close | PKR 400.04 |
|---|---|
| 52-week range | 293.25 – 517.00 |
| Return, 1 month / 3 months | −6.8% / −13.9% |
| Return, 1 year / 3 years | +2.6% / +152.6% |
| Trend | Below its 200-day average |
| RSI (14) | 32 |
| Volatility (1 year) | 42.1% |
| Worst drawdown (1 year) | -39.2% |
| Average daily value traded | 501.96M PKR |
| Dividend yield | 8.0% |
Market X-Ray price-based
Fair value limited data
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
About the company
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.
Summary
United Bank Ltd (UBL) trades on the Karachi Stock Exchange in Pakistan. It last closed at PKR 400.04 on 22 October 2026.
Its price-based Market X-Ray is 65 out of 100 (a fair price profile), ranking 90 of 494 stocks on this exchange. The score describes how the 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.
Over the last year the price rose 2.6% and over the last three months it fell 13.9%. Returns are price returns, dividends not included.
Our limited-data fair value is PKR 396.47 (Fair, −0.9% to fair value). It averages 3 models built from the earnings and sales this exchange publishes. Their weights were fitted to a professional consensus-style valuation of Pakistani stocks and checked on stocks left out of the fit, but no analyst forecasts are used, so read it as a rough range.
The five lenses in numbers each metric is ranked against the other stocks on Karachi Stock Exchange
| Lens and metric | Value | Score | Reading |
|---|---|---|---|
| Trend | 60 · Fair | Mixed trend against its averages. | |
| Above 200-day average | -7.3% | ||
| From 52-week high | -20.5% | ||
| Momentum | 48 · Weak | Lagging most stocks on this exchange. | |
| 3-month return | -13.9% | ||
| 6-month return | -5.9% | ||
| 12-month return, skipping the last month | 10.0% | ||
| Stability (higher is calmer) | 64 · Fair | Typical risk for this exchange. | |
| Volatility, 1 year (lower is calmer) | 42.1% | ||
| Worst drawdown, 1 year (smaller is calmer) | -39.2% | ||
| Liquidity | 95 · Strong | Trades actively. | |
| Average daily value traded | 501.96M PKR | ||
| Zero-volume days | 0.0% | ||
| Income | 83 · Strong | Dividend is high and has been paid regularly. | |
| Dividend yield | 8.0% | ||
| Years with dividends | 6 |
Strengths
- Liquidity: Trades actively.
- Income: Dividend is high and has been paid regularly.
Weak spots
- Momentum: Lagging most stocks on this exchange.
Returns
| 1 week | −2.6% |
|---|---|
| 1 month | −6.8% |
| 3 months | −13.9% |
| 6 months | −5.9% |
| 1 year | +2.6% |
| 3 years | +152.6% |
| 5 years | +1,401.8% |
Signals
| 50-day / 200-day average | 430.53 / 431.61 |
|---|---|
| Golden / death cross (60 days) | Death, 0 days ago |
| New 52-week high | No |
| Bullish RSI divergence | No |
| Average daily range (ATR) | 8.89 |
Technical summary
Recent dividends
| Ex-dividend date | Amount per share |
|---|---|
| 31 Jul 2026 | PKR 8.0000 |
| 23 Apr 2026 | PKR 8.0000 |
| 19 Mar 2026 | PKR 8.0000 |
| 23 Oct 2025 | PKR 8.0000 |
| 18 Jul 2025 | PKR 8.0000 |
| 28 Apr 2025 | PKR 11.0000 |
Fair value models PSX income statement only (no balance sheet or cash flow): only earnings, sales and dividend models can be built
| P/E multiple | PKR 392.71 |
|---|---|
| P/S multiple | PKR 396.53 |
| P/E on average earnings | PKR 400.17 |
How to read this report
Every number comes from end-of-day prices and dividends and the earnings and sales this exchange publishes. The Market X-Ray describes how the stock has traded, ranked against the other stocks on Karachi Stock Exchange; it does not measure how healthy or cheap the business is. The fundamental X-Ray (financial health, valuation, growth) needs financial statements, which we hold today for US stocks. See the methodology page. Educational only, not financial advice.