United Bank Limited

KASE:UBL Stock Report

Market Cap: PK₨467.9b

United Bank Past Earnings Performance

Past criteria checks 2/6

United Bank has been growing earnings at an average annual rate of 25.5%, while the Banks industry saw earnings growing at 25% annually. Revenues have been growing at an average rate of 23.1% per year. United Bank's return on equity is 19.8%, and it has net margins of 29.3%.

Key information

25.5%

Earnings growth rate

25.5%

EPS growth rate

Banks Industry Growth20.1%
Revenue growth rate23.1%
Return on equity19.8%
Net Margin29.3%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How United Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

KASE:UBL Revenue, expenses and earnings (PKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24212,52962,2454,9490
30 Jun 24194,12258,2544,6970
31 Mar 24193,67456,8963,6780
31 Dec 23184,06755,1453,4500
30 Sep 23169,00854,7692,8370
30 Jun 23151,98946,5452,6750
31 Mar 23139,83236,4602,5310
31 Dec 22127,14931,5152,4110
30 Sep 22119,20526,0912,3610
30 Jun 22113,47827,5112,2870
31 Mar 22105,73032,1632,1500
31 Dec 21100,30930,4791,8840
30 Sep 2194,17328,0901,8580
30 Jun 2186,93024,8791,6650
31 Mar 2182,87823,6821,5440
31 Dec 2078,66220,9541,5470
30 Sep 2078,31020,2991,4070
30 Jun 2079,34920,7701,4510
31 Mar 2079,15820,3631,5870
31 Dec 1979,58520,3201,5720
30 Sep 1975,06721,552-1,1800
30 Jun 1972,08519,914-1,2420
31 Mar 1970,74017,644-1,3600
31 Dec 1871,50815,601-1,4050
30 Sep 1875,12516,347-24,8690
30 Jun 1877,03618,903-15,8220
31 Mar 1879,21421,214-6,9050
31 Dec 1779,75925,9491,9560
30 Sep 1780,34425,60336,6600
30 Jun 1780,61826,55835,3000
31 Mar 1781,96727,78934,4660
31 Dec 1682,35027,78334,3630
30 Sep 1682,00027,84234,6300
30 Jun 1682,13927,60634,5830
31 Mar 1679,37326,11234,3050
31 Dec 1577,72426,15433,0940
30 Sep 1577,14826,42532,2170
30 Jun 1574,66125,35631,8220
31 Mar 1571,14225,69031,3150
31 Dec 1466,93423,64830,6990
30 Sep 1464,71922,69829,7420
30 Jun 1462,54221,72829,2290
31 Mar 1459,40120,12328,4820

Quality Earnings: UBL has high quality earnings.

Growing Profit Margin: UBL's current net profit margins (29.3%) are lower than last year (32.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: UBL's earnings have grown significantly by 25.5% per year over the past 5 years.

Accelerating Growth: UBL's earnings growth over the past year (13.6%) is below its 5-year average (25.5% per year).

Earnings vs Industry: UBL earnings growth over the past year (13.6%) did not outperform the Banks industry 30.1%.

Return on Equity

High ROE: UBL's Return on Equity (19.8%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/31 21:03
End of Day Share Price 2024/12/31 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

United Bank Limited is covered by 29 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullAKD Research
Hassan Ali MiabhoyAKD Research
null nullAkseer Research (Pvt.) Limited