United Bank Ltd
Fundamental Score
United Bank Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
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 and flexibility for growth investments.
Strong Interest Coverage (16.27x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk and strong debt servicing capability.
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 while ensuring adequate liquidity.
Risk Factors
6 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. Consider entry timing carefully.
Profit Decline Concern (-64.80%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
Weak Earnings Growth (1.46% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation. Consider growth catalysts and competitive positioning.
Stagnant Profit Growth (1.46% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity. Assess transformation initiatives.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Very High P/E Ratio
Observation: Significant overvaluation risk present.
Analysis: Extremely high P/E ratios indicate potential bubble territory and high downside risk.
Financial Statements
Comprehensive financial data for United Bank Ltd
About UBL
Business Overview
United Breweries Limited engages in manufacture, purchase, and sale of beer and non-alcoholic beverages in India and internationally. The company offers beer products under the Heineken Original, Heineken Silver, Kingfisher Premium, Kingfisher Strong, Kingfisher Ultra, Kingfisher Ultra Max, Kingfisher Ultra Witbier, Amstel Bier, Amstel Grande, Bullet, Bullet Super Strong, Cannon 10000, Zingaro, Kingfisher Storm, Kingfisher Blue, Kingfisher Flavour Mango and lemon, Kalyani Black Label, UB Export Lager, UB Export Strong, London Pilsner Premium, London Pilsner Premium Strong, and Queenfisher brands; and non-alcoholic products under the Kingfisher Premium Packaged Drinking Water, Kingfisher Strong Power Soda, Kingfisher Ultra-Premium Soda, and Heineken 0.0. It also licenses its brands; and offers contract manufacturing services. In addition, the company is involved in scrap sales. The company was founded in 1915 and is based in Bengaluru, India. United Breweries Limited operates as a subsidiary of Heineken N.V.
Company Details
Key Leadership
Corporate Events
UBL Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of United Bank Ltd (UBL)?
As of 30 Jan 2026, 01:36 pm IST, United Bank Ltd (UBL) is currently trading at ₹1468.50. The stock has a market capitalization of ₹44.16K (Cr).
Is UBL share price Overvalued or Undervalued?
UBL 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 stock appears to be Overvalued against its sector peers.
What factors affect the United Bank Ltd share price?
Key factors influencing UBL's price include its 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.
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's P/E of 116.18x and ROE of 10.77% against the industry averages to determine its competitive standing.
What is the P/E ratio of UBL and what does it mean?
UBL has a P/E ratio of 116.18x compared to the industry average of 39.96x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹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, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
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.
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. Return on Equity measures how efficiently United Bank Ltd generates profits from shareholders' equity.
How is UBL's 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. A ratio below 1.0 generally indicates conservative financing.
What is UBL's dividend yield and is it a good dividend stock?
UBL offers a dividend yield of 0.60%, which means you receive ₹0.60 annual dividend for every ₹100 invested.
How has UBL 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% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is UBL's market capitalization category?
UBL has a market capitalization 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 stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for UBL?
UBL has a 52-week high of ₹N/A and low of ₹N/A.
What is UBL's 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's quarterly performance?
Recent quarterly performance shows 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 stock.