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Market Cap (Live)
PKR 1.05 Tn
Live price × shares · ~8 min
P/E Ratio (TTM)
6.9457
Price ÷ TTM EPS · ~8 min
P/B Ratio (Latest)
1.9914
Price ÷ book value · ~8 min
EPS (TTM)
PKR 60.37
Sum of last 4 quarters · daily
Div Yield (TTM)
7.6316%
Dividend/share ÷ price · ~8 min
Book Value (Latest Q)
PKR 210.565
Latest-quarter equity ÷ shares
52W High
517
From 1-yr price history · daily after close
52W Low
293.25
From 1-yr price history · daily after close
Beta (Past 1 Year)
1.24
Calculated vs KSE-100, 52 wks · daily after close
Shares Outstanding
2.50 Bn
Scraped from PSX company page · hourly
Avg Volume (10 Days)
595.3 K
10-day avg from price history · daily after close
Free Float (Latest)
35%
Scraped from PSX company profile · weekly
Volume
| PKR '000 | TTM | FY2025 | FY2024 | FY2023 |
|---|---|---|---|---|
| Revenue | 484,264,000 | 428,910,000 | 244,467,000 | 184,067,000 |
| Cost of Revenue | — | — | — | — |
| Gross Profit | — | — | — | — |
| Operating Expenses | — | — | — | — |
| Operating Income | 319,268,000 | 291,108,000 | 145,037,000 | 110,585,000 |
| Finance Cost | — | — | — | — |
| Pretax Income | 319,268,000 | 291,108,000 | 145,037,000 | 110,585,000 |
| Tax Expense | 168,073,000 | 161,087,000 | 70,198,000 | 54,114,000 |
| Net Income | 151,174,000 | 130,000,000 | 75,156,000 | 55,145,000 |
| EBITDA | 319,268,000 | 291,108,000 | 145,037,000 | 110,585,000 |
| EPS (PKR) | 60.37 | 52.13 | 30.70 | 22.52 |
How this data is sourced
Headline figures (revenue, profit, EPS) are scraped from the PSX company page; full income, balance-sheet & cash-flow detail from stockanalysis.com; and equity, asset & dividend lines from PSX Analysis Reports. It refreshes on a rolling schedule: PSX figures hourly, full statements nightly (the whole market is cycled about every 2 weeks) and Analysis Reports weekly. When a company files a new annual/quarterly report, its headline numbers appear within hours and the full statement within ~2 weeks, after which every derived ratio recomputes automatically each night. The TTM column sums the last four quarters for income & cash-flow items and uses the latest quarter for balance-sheet items (shown as Latest Q).
| Metric | TTM | FY2025 | FY2024 | FY2023 |
|---|---|---|---|---|
| Gross Margin | — | — | — | — |
| Operating Margin | 65.93% | 67.87% | 59.33% | 60.08% |
| Net Margin | 31.22% | 30.31% | 30.74% | 29.96% |
| Return on Equity (ROE) | 28.67% | 25.73% | 23.43% | 19.29% |
| Return on Assets (ROA) | 1.00% | 1.03% | 0.93% | 0.93% |
| Return on Capital (ROCE) | — | — | — | — |
| Metric | TTM | FY2025 | FY2024 | FY2023 |
|---|---|---|---|---|
| Current Ratio | — | — | — | — |
| Quick Ratio | — | — | — | — |
| Debt to Equity | 15.30x | 13.02x | 15.21x | 9.96x |
| Debt to Assets | 0.97x | 0.96x | 0.96x | 0.95x |
| Interest Coverage | — | — | — | — |
| Asset Turnover | 0.03x | 0.03x | 0.03x | 0.03x |
| Metric | TTM | FY2025 | FY2024 | FY2023 |
|---|---|---|---|---|
| P/E Ratio | 6.95x | 8.18x | 6.23x | 3.95x |
| P/B Ratio | 1.99x | 2.10x | 1.46x | 0.76x |
| P/S Ratio | — | 2.48x | 1.91x | 1.18x |
| EV / EBITDA | 25.88x | — | — | — |
| Dividend Yield | 7.63% | 7.36% | 13.36% | 34.85% |
| Payout Ratio | 50.96% | 51.60% | 71.62% | 107.42% |
| Metric | TTM | FY2025 | FY2024 | FY2023 |
|---|---|---|---|---|
| Revenue Growth | 34.26% | 75.45% | 32.81% | 44.76% |
| Net Income Growth | 38.58% | 72.97% | 36.29% | 74.87% |
| EPS Growth | 36.52% | 69.80% | 36.32% | 74.84% |
How these ratios are calculated
Every ratio is computed by FinVision, not scraped. Profitability, liquidity, leverage & growth ratios are derived from each year's reported financial statements (same source as the Statements tab: PSX + stockanalysis.com). Valuation ratios (P/E, P/B, P/S, EV/EBITDA, Dividend Yield) need a share price: the latest year uses the live/TTM price (updates ~8 min), while earlier years use each fiscal-year-end price from stockanalysis.com. All statement-based ratios recompute automatically each night (04:30) as new figures arrive, so a newly filed report shows up within hours (headline) to ~2 weeks (full detail), then flows straight into these ratios. The TTM column uses trailing-twelve-month income (last 4 quarters) with the latest-quarter balance sheet, and live prices for valuation.
| Type | Amount (PKR) | % | Declared | Ex-Date | Pay Date |
|---|---|---|---|---|---|
cash | 8.00 | 0.0% | — | 31 Jul 2026 | 7 Aug 2026 |
cash | 8.00 | 0.0% | — | 23 Apr 2026 | 29 Apr 2026 |
cash | 8.00 | 0.0% | — | 19 Mar 2026 | 31 Mar 2026 |
cash | 8.00 | 0.0% | — | 23 Oct 2025 | 30 Oct 2025 |
cash | 8.00 | 0.0% | — | 18 Jul 2025 | 25 Jul 2025 |
cash | 5.50 | 0.0% | — | 28 Apr 2025 | 5 May 2025 |
cash | 5.50 | 0.0% | — | 11 Mar 2025 | 25 Mar 2025 |
United Bank Limited is a banking company incorporated in Pakistan and is engaged in commercial banking and related services. The Bank is a subsidiary of Bestway International Holdings Limited which is a wholly owned subsidiary of Bestway Group Limited.