United Bank Ltd

KAR:UBLFinancePSX:ALLSHRPSX:BKTI

Rs 410.17−0.57%LiveIn session · ≈ AED 5.44 · Market cap $3.73B · Next earnings Wed 24 Feb

PKR billions	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	TTM	YoY
Depreciation & amortization	5.4	5.9	7.0	8.1	9.5	20.3	—	—
Change in working capital	12.2	(8.0)	4.9	2,770.7	1,979.9	4,053.1	4,280.5	+5.6%
Operating cash flow	68.0	33.1	62.0	2,836.7	2,037.6	4,228.5	4,428.0	+4.7%
Capital expenditure	(3.1)	(3.8)	(6.5)	(8.9)	(16.6)	(153.7)	(112.8)	+26.6%
Dividends paid	(8.1)	(23.6)	(17.9)	(59.2)	(53.8)	(67.1)	(77.0)	−14.8%
Free cash flow	64.9	29.3	55.5	2,827.8	2,021.0	4,074.9	4,315.2	+5.9%

PKR billionsUpdated Wed 22 Jul ·

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Amounts are shown in the stated units; per-share amounts and shares are unscaled. Negative amounts are in brackets.

TTM ends 2026-06-30 and uses four consecutive reported quarters.