Financials / Banking ServicesUpdated 2026-05-10 22:07 UTC

PSX/UBL stock hub

PSX/UBL has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

Pakistan Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

PSX/UBL

In the news

Latest news · PSX/UBL

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E7.9

P25 5.8P50 6.5P75 7.2

Trailing P/E7.3

P25 5.4P50 6.5P75 9.8

ROE36.8

P25 6.2P50 14.9P75 20

ROICn/a

P25 3.1P50 9.5P75 15.3

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All PSX/UBL market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

197

Groups with data

Currency

PKR

Showing 197 of 197 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Pakistan
Country code	PK
Employees	23,916
Employees Change	6,071%
Employees Change Percent	34.02
Exchange	Pakistan Stock Exchange
Financial currency	PKR
First seen	2026-05-10
Industry	Banking Services
Isin	PK0081901016
Last refreshed	2026-05-10
Market cap	PKR 1T
Price	PKR 415
Price currency	PKR
Rev Per Employee	19,632,223.45x
Sector	Financials
Sic	6020
Symbol	psx/UBL
Website	https://www.ubldigital.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	13.69%
FCF yield	69.67%
Forward P/E	7.89x
P/B ratio	2.46x
P/E ratio	7.31x
P/S ratio	2.21x
PE Ratio10 Y	7.16x
PE Ratio3 Y	5.39x
PE Ratio5 Y	5.23x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	154.28%
Gross Profit	PKR 465.1B
Net Income	PKR 142.3B
Net Income Growth	49.35%
Net Income Growth Q	34.1%
Net Income Growth3 Y	57.45%
Net Income Growth5 Y	43.17%
Pretax Margin	67.21%
Profit Margin	30.31%
Profit Per Employee	PKR 6M
ROA	1.29
Roa5y	1.19
ROE	36.78
Roe5y	21.23

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	32.73%
Cagr15y	32.99%
Cagr1y	88.83%
Cagr20y	23.55%
Cagr3y	123.33%
Cagr5y	73.44%
Div CAGR10	17.28%
Div CAGR3	31.73%
Div CAGR5	36.51%
EPS Growth	46.2
EPS Growth Q	31.77
EPS Growth3 Y	56.26
EPS Growth5 Y	42.52
FCF Growth	-65.22%
FCF Growth3 Y	47.8%
FCF Growth5 Y	32.02%
OCF Growth	-61.85%
OCF Growth10 Y	26.8%
OCF Growth3 Y	52.84%
OCF Growth5 Y	35.21%
Revenue Growth	58.61x
Revenue Growth Q	39.56x
Revenue Growth3 Y	49.74x
Revenue Growth5 Y	41.46x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	PKR 12.7T
Cash	PKR 641.7B
Debt	PKR 6.7T
Debt FCF	PKR 9.2
Equity	PKR 422.2B
Liabilities	PKR 12.3T
Net Cash	PKR -6T
Net Cash By Market Cap	PKR -579
Net Debt Equity	PKR 14.27
Net Debt FCF	PKR 8.32
Tangible Book Value	PKR 364.4B
Tangible Book Value Per Share	PKR 145
WACC	1.07

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	PKR -4.8T

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-2.16%
Dividend Growth	45.45%
Dividend Growth Years	3%
Dividend per share	PKR 32
Dividend Years	21
Dividend Yield	7.71%
Ex Div Date	2026-04-23
Last Dividend	PKR 8
Payout Frequency	Quarterly
Payout Ratio	50.14%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	1,596.54%
1Y total return	88.75%
200-day SMA	400.2
3Y total return	1,014.49%
50-day SMA	381.8
50-day SMA vs 200-day SMA	50under200
5Y total return	1,468.78%
All Time High	517
All Time High Change	-19.69%
All Time High Date	2026-01-06
All Time Low	11.8
All Time Low Change	3,419.41%
All Time Low Date	2009-01-26
ATR	19
Beta	0.66
Beta1y	1.05
Beta2y	0.53
Ch YTD	-2.21
High	417.2
High52	517
High52 Date	2026-01-06
High52ch	-19.69%
Low	411
Low52	215
Low52 Date	2025-05-08
Low52ch	93.1%
Ma50ch	8.74%
Price vs 200-day SMA	3.75%
RSI	57.41
RSI Monthly	66.16
RSI Weekly	52.97
Sharpe ratio	1.86x
Sortino ratio	3.27
Total Return	5.55%
Tr YTD	1.8
Tr15y	7,103.24%
Tr1m	34.28%
Tr1w	7.59%
Tr3m	-12.46%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	PKR 316.8B
Operating margin	67.47

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	628,567,087%
Net Borrowing	-10,919,153,000
Shares Insiders	1.94%
Shares Institutions	6.61%
Shares Out	2,504,247,750
Shares Qo Q	0.02%
Shares Yo Y	2.16%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	PKR 724.4B
Average Volume	4,425,755x
Bv Per Share	168.5
CAPEX	PKR -101.8B
Ch10y	383.9
Ch15y	1,227.4
Ch1m	31.76
Ch1w	7.59
Ch1y	73.79
Ch20y	952.3
Ch3m	-15.91
Ch3y	540.2
Ch5y	575.6
Ch6m	10.33
Change	-1.54%
Change From Open	-0.34
Close	421.7
Days Gap	-1.21
Dollar Volume	605,704,251.1
Earnings Date	2026-04-15
EPS	PKR 56.82
F Score	4
FCF	PKR 724.4B
FCF Per Share	PKR 289
Financing CF	1,916,727,312,000
Fiscal Year End	December
Founded	1,959
Graham Number	464.30067
Graham Upside	11.82
Income Tax	PKR 173.2B
Investing CF	-2,502,086,475,000
Is Primary Listing	1
Last Earnings Date	2026-04-15
Last Report Date	2026-03-31
Last Split Date	2025-06-23
Last Split Type	Forward
Lynch Fair Value	PKR 1,421
Lynch Upside	242.2
Ma150	408.4
Ma150ch	1.66%
Ma20	396.4
Ma20ch	4.75%
Net CF	239,794,320,000
Next Earnings Date	2026-07-08
Open	416.6
P FCF Ratio	1.44
P OCF Ratio	1.26
Payment Date	2026-04-29
Position In Range	67.63
Ppne	180,837,643,000
Price Date	2026-05-08
Ptbv Ratio	2.85
Relative Volume	0.33x
Revenue	469,524,256,000x
Tax By Revenue	36.9x
Tax Rate	54.9%
Tr20y	6,772.53%
Tr6m	14.85%
Volume	1,458,755

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

PSX/UBL dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+7.7%

$32.0 annual per share

Payout ratio

+50.1%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+36.5%

3 consecutive years of growth

Total shareholder yield

+5.5%

Next ex-dividend date: 2026-04-23

Performance

PSX/UBL stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns PSX/UBL?

Insider, institutional, and short-interest positioning.

Institutional ownership

+6.6%

Share of float held by funds and institutions

Insider ownership

+1.9%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

+2.2%

Negative means the company is buying back shares.

Technical

PSX/UBL momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

57.4

Neutral momentum band

Price vs 200-day MA

+3.8%

50/200-day relationship not available

Beta (5Y)

0.66

Less volatile than the market

Sharpe ratio

1.86

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About PSX/UBL

Hub-level FAQ points readers to the deeper analysis pages.

What is the current psx/UBL stock rating?

psx/UBL is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full psx/UBL analysis?

The full report lives at /stocks/psx/UBL/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for psx/UBL?

The latest report frames psx/UBL around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the psx/UBL page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.