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Smart Money

Comparison

Bank Alfalah Limited vs United Bank Limited

United Bank Limited (UBL) is worth Rs 1.04 tn at the latest close, 5.9 times the market value of Bank Alfalah Limited (BAFL) at Rs 175.3 bn. In their latest annual results BAFL reported revenue of Rs 178.6 bn (FY2025) and UBL Rs 412.1 bn (FY2025). BAFL trades at 5.2× earnings and UBL at 8.0×. Dividend yields: BAFL 9.4%, UBL 7.1%.

BAFL and UBL compared
Latest BAFL FY2025 UBL FY2025
Price Rs 55.59 Rs 415.25
Market value Rs 175.3 bn Rs 1.04 tn
P/E 5.2× (stronger) 8.0×
P/B 0.89× (stronger) 2.06×
Dividend yield 9.4% (stronger) 7.1%
Revenue (latest year) Rs 178.6 bn Rs 412.1 bn
Revenue growth, year on year 7.9% 65.9% (stronger)
Revenue growth, 5 years a year 25.5% 34.6% (stronger)
Profit (latest year) Rs 27.8 bn Rs 130.0 bn (stronger)
EPS (latest year) Rs 8.81 Rs 52.13
Dividend per share Rs 5.25 Rs 29.50
Net margin 15.6% 31.5% (stronger)
Return on equity 14.6% 31.5% (stronger)
Debt to equity 467.3% (stronger) 1,313.7%
Dividend streak (years) 9 20 (stronger)

Highlighted: the higher figure where higher is usually stronger (growth, margins, returns, yield) or the lower where lower is (P/E, P/B, debt). A highlight is a comparison, not a recommendation.

Revenue by fiscal year BAFL UBL
Revenue by fiscal year Rs 412 bn BAFL FY2016: Rs 37.6 bn UBL FY2016: Rs 82.2 bn FY2016 BAFL FY2017: Rs 38.2 bn UBL FY2017: Rs 80.8 bn FY2017 BAFL FY2018: Rs 42.5 bn UBL FY2018: Rs 81.9 bn FY2018 BAFL FY2019: Rs 55.2 bn UBL FY2019: Rs 83.1 bn FY2019 BAFL FY2020: Rs 57.5 bn UBL FY2020: Rs 93.4 bn FY2020 BAFL FY2021: Rs 62.6 bn UBL FY2021: Rs 96.3 bn FY2021 BAFL FY2022: Rs 98.6 bn UBL FY2022: Rs 133.6 bn FY2022 BAFL FY2023: Rs 153.7 bn UBL FY2023: Rs 166.0 bn FY2023 BAFL FY2024: Rs 165.5 bn UBL FY2024: Rs 248.5 bn FY2024 BAFL FY2025: Rs 178.6 bn UBL FY2025: Rs 412.1 bn FY2025
Profit by fiscal year BAFL UBL
Profit by fiscal year Rs 130 bn BAFL FY2016: Rs 7.9 bn UBL FY2016: Rs 27.8 bn FY2016 BAFL FY2017: Rs 8.5 bn UBL FY2017: Rs 25.9 bn FY2017 BAFL FY2018: Rs 10.9 bn UBL FY2018: Rs 15.5 bn FY2018 BAFL FY2019: Rs 13.0 bn UBL FY2019: Rs 19.1 bn FY2019 BAFL FY2020: Rs 10.8 bn UBL FY2020: Rs 20.9 bn FY2020 BAFL FY2021: Rs 14.4 bn UBL FY2021: Rs 30.4 bn FY2021 BAFL FY2022: Rs 18.4 bn UBL FY2022: Rs 31.5 bn FY2022 BAFL FY2023: Rs 36.5 bn UBL FY2023: Rs 55.1 bn FY2023 BAFL FY2024: Rs 39.9 bn UBL FY2024: Rs 75.2 bn FY2024 BAFL FY2025: Rs 27.8 bn UBL FY2025: Rs 130.0 bn FY2025

Prices at the latest close; financial figures from each company's latest annual report. Information only, not investment advice.