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United Bank Ltd UBL

Morningstar Rating
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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 at a 135% premium.
Price
PKR 212.73
Fair Value
PKR 841.22
Uncertainty
High
1-Star Price
PKR 665.16
5-Star Price
PKR 696.49
Economic Moat
Mdt
Capital Allocation
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Trading Information

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

Key Statistics

Price/Earnings (Normalized)
4.62
Price/Sales
1.52
Dividend Yield (Trailing)
20.57%
Dividend Yield (Forward)
20.57%
Total Yield
20.57%

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
HBL
Price/Earnings (Normalized)
4.623.562.78
Price/Book Value
1.011.060.46
Price/Sales
1.521.210.56
Price/Cash Flow
3.963.421.86
Price/Earnings
UBL
MCB
HBL

Financial Strength

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

Profitability

Metric
UBL
MCB
HBL
Return on Assets (Normalized)
1.25%2.70%1.14%
Return on Equity (Normalized)
23.43%30.97%17.80%
Return on Invested Capital (Normalized)
Return on Assets
UBL
MCB
HBL
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Banks - Regional Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRQcfggwjsShmp$88.9 Bil
ISNPY
Intesa Sanpaolo ADRQpqrhdcwcCzk$74.8 Bil
USB
U.S. BancorpBmykmfrjbMjbj$64.6 Bil
PNC
PNC Financial Services Group IncYvzcdhzTddnr$63.8 Bil
ITUB
Itau Unibanco Holding SA ADRZkwvmpdmNhv$59.1 Bil
TFC
Truist Financial CorpHnwcrykjHmhnf$53.5 Bil
MFG
Mizuho Financial Group Inc ADRVzmtcqdZhs$51.1 Bil
LYG
Lloyds Banking Group PLC ADRFdhbdqqhVkdtqjd$44.3 Bil
NWG
NatWest Group PLC ADRGjnbSvs$35.9 Bil
DB
Deutsche Bank AGLgvxVftf$34.1 Bil

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