United Bank Ltd Stock Price Today (NSE: UBL)
Fundamental Score
United Bank Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
United Bank Ltd share price today is ₹1614.80, up +0.00% on NSE/BSE as of 20 February 2026. United Bank Ltd (UBL) is a Large-cap company in the Breweries & Distilleries sector with a market capitalisation of ₹44.16K (Cr). The 52-week high for UBL share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 116.18x, UBL is currently trading above its industry average P/E of 39.96x. The company has a Return on Equity (ROE) of 10.77% and a debt-to-equity ratio of 0.18.
United Bank Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
United Bank Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Financial Analysis of United Bank Share Price
The alcoholic beverages industry is undergoing a significant shift, with consumers increasingly prioritizing premium and craft offerings, creating both opportunities and challenges for established players. This analysis provides an observational overview of the "United Bank share price" currently at ₹1524.800049, viewed through the lens of its financial metrics and compared to its industry peers.
United Bank's current Price-to-Earnings (PE) ratio stands at 116.18. This figure is relatively high, suggesting the market anticipates significant future growth. However, it also indicates a potentially inflated valuation compared to current earnings. When considering management quality, contrasting United Bank with peers like
India Glycols Ltd is vital. While India Glycols might demonstrate a more focused approach on sustainable practices, United Bank's strategic decisions in product diversification or market penetration will need to be critically evaluated to justify its high PE ratio. A detailed assessment of their respective management teams' track records, capital allocation strategies, and risk management protocols becomes essential in understanding future growth potential.Return on Capital Employed (ROCE) is a crucial indicator of profitability and efficiency. United Bank's ROCE of 13.88% signifies that for every rupee invested in the business, the company generates approximately ₹0.1388 in profit. This figure is a key component of the company's "moat" – its ability to sustain competitive advantages over time. A consistent ROCE above the company's cost of capital suggests a robust moat. However, to strengthen this moat, United Bank must continually reinvest in its business through innovation, brand building, or distribution network expansion. Sustaining and improving this ROCE is crucial for attracting investors and maintaining the current United Bank share price.
This analysis is part of a comprehensive 80-parameter fundamental audit, verified by Sweta Mishra, focusing on observational assessments of United Bank's financial health relative to its sector peers, including Fratelli Vineyards Ltd and Allied Blenders & Distillers Pvt Ltd. The observations presented here are intended for informational purposes only and do not constitute investment advice.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
United Bank Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of UBL across key market metrics for learning purposes.
Positive Indicators
4 factors identified
Conservative Debt Levels (D/E: 0.18)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Interest Coverage (16.27x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk.
Strong Cash Generation (₹779.21 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (70.84%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Risk Factors
4 factors identified
Premium Valuation Risk (P/E: 116.18x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Profit Decline Concern (-64.80%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Weak Earnings Growth (1.46% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (1.46% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
United Bank Ltd Financial Statements
Comprehensive financial data for United Bank Ltd including income statement, balance sheet and cash flow
About UBL (United Bank Ltd)
United Bank Ltd (UBL) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Breweries & Distilleries sector with a current market capitalisation of ₹44.16K (Cr). United Bank Ltd has delivered a Return on Equity (ROE) of 10.77% and a ROCE of 13.88%. The debt-to-equity ratio stands at 0.18, reflecting the company's capital structure. Investors tracking UBL share price can monitor key metrics including P/E ratio, promoter holding of 70.84%, and quarterly earnings growth.
Company Details
Key Leadership
Corporate Events
UBL Share Price: Frequently Asked Questions
What is the current share price of United Bank Ltd (UBL)?
As of 20 Feb 2026, 06:25 am IST, United Bank Ltd share price is ₹1614.80. The UBL stock has a market capitalisation of ₹44.16K (Cr) on NSE/BSE.
Is UBL share price Overvalued or Undervalued?
UBL share price is currently trading at a P/E ratio of 116.18x, compared to the industry average of 39.96x. Based on this relative valuation, the United Bank Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of UBL share price?
The 52-week high of UBL share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the United Bank Ltd share price?
Key factors influencing UBL share price include quarterly earnings growth (Sales Growth: -3.02%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is United Bank Ltd a good stock for long-term investment?
United Bank Ltd shows a 5-year Profit Growth of 1.46% and an ROE of 10.77%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.18 before investing in UBL shares.
How does United Bank Ltd compare with its industry peers?
United Bank Ltd competes with major peers in the Breweries & Distilleries. Investors should compare UBL share price P/E of 116.18x and ROE of 10.77% against the industry averages to determine competitive standing.
What is the P/E ratio of UBL and what does it mean?
UBL share price has a P/E ratio of 116.18x compared to the industry average of 39.96x. Investors pay ₹116 for every ₹1 of annual earnings.
How is UBL performing according to Bull Run's analysis?
UBL has a Bull Run fundamental score of 15.7/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does UBL belong to?
UBL operates in the Breweries & Distilleries industry. This classification helps understand the competitive landscape and sector-specific trends affecting United Bank Ltd share price.
What is Return on Equity (ROE) and why is it important for UBL?
UBL has an ROE of 10.77%, which shows decent profitability but room for improvement. ROE measures how efficiently United Bank Ltd generates profits from shareholders capital.
How is UBL debt-to-equity ratio and what does it indicate?
UBL has a debt-to-equity ratio of 0.18, which indicates conservative financing with low financial risk.
What is UBL dividend yield and is it a good dividend stock?
UBL offers a dividend yield of 0.60%, meaning you receive ₹0.60 annual dividend for every ₹100 invested in United Bank Ltd shares.
How has UBL share price grown over the past 5 years?
UBL has achieved 5-year growth rates of: Sales Growth 6.49%, Profit Growth 1.46%, and EPS Growth 1.46%.
What is the promoter holding in UBL and why does it matter?
Promoters hold 70.84% of UBL shares, with 12.40% pledged. High promoter holding often indicates strong management confidence in United Bank Ltd.
What is UBL market capitalisation category?
UBL has a market capitalisation of ₹44157 crores, placing it in the Large-cap category.
How volatile is UBL stock?
UBL has a beta of N/A. A beta > 1 suggests the United Bank Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is UBL operating profit margin trend?
UBL has a 5-year average Operating Profit Margin (OPM) of 9.33%, indicating the company's operational efficiency.
How is UBL quarterly performance?
Recent quarterly performance shows United Bank Ltd YoY Sales Growth of -3.02% and YoY Profit Growth of -64.80%.
What is the institutional holding pattern in UBL?
UBL has FII holding of 6.26% and DII holding of 16.68%. Significant institutional holding often suggests professional confidence in the United Bank Ltd stock.