Sector pending / Commercial BanksUpdated 2026-05-10 22:07 UTC

LON/UBLS stock hub

LON/UBLS 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

2.7B

London Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

LON/UBLS

In the news

Latest news · LON/UBLS

Recent company headlines from major financial publishers.

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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/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E7.1

P25 n/aP50 n/aP75 n/a

ROE36.8

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All LON/UBLS 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

173

Groups with data

Currency

PKR

Showing 173 of 173 available metrics for this ticker.

Profile and market data

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

Metric	Value
Country	Pakistan
Country code	UK
Employees	23,916
Employees Change	4,210%
Employees Change Percent	30.88
Exchange	London Stock Exchange
Financial currency	PKR
First seen	2026-05-10
Industry	Commercial Banks
Isin	US90953P2011
Last refreshed	2026-05-10
Market cap	$2.7B
Price	$6.7
Price currency	USD
Rev Per Employee	53,292.63x
Sic	6020
Symbol	lon/UBLS
Website	https://www.ubldigital.com

Valuation

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

Metric	Value
Earnings Yield	14.1%
FCF yield	71.77%
P/B ratio	2.39x
P/E ratio	7.09x
P/S ratio	2.15x
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	$1.3B
Net Income	$386.3M
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	$16,153
ROA	1.29
Roa5y	1.19
ROE	36.78
Roe5y	21.23

Growth

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

Metric	Value
Cagr10y	16.67%
Cagr15y	23.88%
Cagr1y	123.37%
Cagr3y	39.09%
Cagr5y	24.64%
Div CAGR10	7.88%
Div CAGR3	21.87%
Div CAGR5	27.29%
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	$34.6B
Cash	$1.7B
Debt	$18.1B
Debt FCF	$9.2
Equity	$1.1B
Liabilities	$33.4B
Net Cash	$-16.4B
Net Cash By Market Cap	$-597
Net Debt Equity	$14.27
Net Debt FCF	$8.32
Tangible Book Value	$989.2M
Tangible Book Value Per Share	$0.39

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-13.1B

Dividends and buybacks

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

Metric	Value
Buyback Yield	-2.16%
Dividend Growth	44.17%
Dividend Growth Years	3%
Dividend per share	$0.3
Dividend Years	19
Dividend Yield	4.41%
Ex Div Date	2026-04-24
Last Dividend	$0.07
Payout Frequency	Quarterly
Payout Ratio	191.55%

Performance and technicals

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

Metric	Value
10Y total return	367.33%
1Y total return	123.25%
200-day SMA	6.18
3Y total return	169.15%
50-day SMA	6.7
50-day SMA vs 200-day SMA	50over200
5Y total return	200.73%
All Time High	6.7
All Time High Change	0%
All Time High Date	2026-01-07
All Time Low	0.37
All Time Low Change	1,701.56%
All Time Low Date	2009-01-26
ATR	0
Ch YTD	26.42
High52	6.7
High52 Date	2026-05-08
High52ch	0%
Low52	3.2
Low52 Date	2025-07-10
Low52ch	109.38%
Ma50ch	0%
Price vs 200-day SMA	8.48%
RSI	99.33
RSI Monthly	79.66
RSI Weekly	81.92
Sharpe ratio	1.07x
Sortino ratio	6.69
Total Return	2.25%
Tr YTD	30.38
Tr15y	2,383.26%
Tr1m	1.39%
Tr3m	3.13%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	$860M
Operating margin	67.47

Ownership and float

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

Metric	Value
Float	628,567,087%
Net Borrowing	-28,743,411.4
Shares Insiders	1.94%
Shares Institutions	6.61%
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	$2B
Average Volume	0x
Bv Per Share	0.46
CAPEX	$-276.2M
Ch10y	143.6
Ch15y	570
Ch1y	109.4
Ch3y	109.4
Ch5y	109.4
Ch6m	26.42
Change	0%
Close	6.7
Earnings Date	2026-04-15
EPS	$0.15
F Score	4
FCF	$2B
Financing CF	5,203,050,208
Fiscal Year End	December
Founded	1,959
Graham Number	7.71863
Graham Upside	15.2
Income Tax	$470.3M
Investing CF	-6,792,036,339
Is Primary Listing	0
Last Earnings Date	2026-04-15
Last Report Date	2026-03-31
Last Split Date	2025-07-11
Last Split Type	Forward
Lynch Fair Value	$23.62
Lynch Upside	252.5
Ma150	6.1
Ma150ch	9.82%
Ma20	6.7
Ma20ch	0%
Net CF	650,933,432
Next Earnings Date	2026-07-08
P FCF Ratio	1.39
P OCF Ratio	1.22
Ppne	476,034,246.8
Price Date	2026-05-08
Ptbv Ratio	2.77
Relative Volume	1.55x
Revenue	1,274,546,600x
Tax By Revenue	36.9x
Tax Rate	54.9%
Tr6m	30.38%

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

LON/UBLS dividend yield, growth & safety

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

Dividend yield

+4.4%

$0.30 annual per share

Payout ratio

+191.5%

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

5Y dividend CAGR

+27.3%

3 consecutive years of growth

Total shareholder yield

+2.3%

Next ex-dividend date: 2026-04-24

Performance

LON/UBLS stock returns vs the market

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

Ownership

Who owns LON/UBLS?

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

LON/UBLS momentum and risk profile

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

RSI (14)

99.3

Above 70: short-term overbought

Price vs 200-day MA

+8.5%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

1.07

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

Questions

About LON/UBLS

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

What is the current lon/UBLS stock rating?

lon/UBLS 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 lon/UBLS analysis?

The full report lives at /stocks/lon/UBLS/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 lon/UBLS?

The latest report frames lon/UBLS 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 lon/UBLS 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.