UBL · Ratios · TradingHolo

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United Bank Ltd

KAR:UBLFinancePSX:ALLSHRPSX:BKTI

Rs 410.17−0.57%LiveIn session · ≈ AED 5.44 · Market cap $3.69B · Next earnings Wed 24 Feb

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Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Trend	YoY
Operating margin	20.0%	28.3%	30.6%	18.8%	12.3%	23.3%		+11.0 pts
Net margin	12.0%	17.2%	10.7%	9.9%	6.4%	10.4%		+4.0 pts
Return on equity	10.3%	13.7%	14.3%	20.4%	23.4%	25.7%		+2.3 pts
Return on assets	0.9%	1.1%	1.1%	0.9%	0.9%	1.0%		+0.1 pts
Return on capital employed	4.7%	6.8%	11.4%	9.2%	17.3%	13.9%		−3.3 pts
Debt / equity	1.3×	3.0×	2.9×	11.3×	15.6×	14.2×		−8.8%
Debt / assets	11.8%	24.1%	21.3%	51.9%	62.0%	56.9%		−5.1 pts
Interest coverage	2.6×	2.7×	2.5×	0.5×	0.2×	0.5×		+120.7%
Current ratio	0.2×	0.2×	0.1×	0.1×	0.1×	0.1×		+16.8%
Quick ratio	0.2×	0.2×	0.1×	0.1×	0.1×	0.1×		+16.8%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×		−31.8%
Dividend payout	38.9%	77.7%	56.7%	107.4%	71.6%	51.6%		−20.0 pts

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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