Is United Bank (UBL) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 19.5% / 30% | 57.0% / 30% | 37.9% / 30% | 444.01% / 5% | ✗ NOT HALAL |
| DJIM | 19.5% / 33% | 57.0% / 33% | 37.9% / 33% | 444.01% / 5% | ✗ NOT HALAL |
| MSCI | 1.6% / 33% | 4.6% / 33% | 3.1% / 33% | 444.01% / 5% | ✗ NOT HALAL |
| S&P | 19.5% / 33% | 57.0% / 33% | 37.9% / 33% | 444.01% / 5% | ✗ NOT HALAL |
| FTSE | 1.6% / 33% | 4.6% / 33% | 3.1% / 50% | 444.01% / 5% | ✗ NOT HALAL |
Financial Highlights
Cash Flow & Balance Sheet
| Operating Cash Flow | $1.6T |
| Free Cash Flow | $1.5T |
| Total Debt | $127.1B |
| Total Assets | $8.1T |
Price & Trading
| 50-Day MA | PKR 439.08 |
| 200-Day MA | PKR 396.06 |
About United Bank (UBL)
Frequently Asked Questions
Is United Bank (UBL) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), United Bank is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is United Bank's debt ratio?
United Bank's debt ratio is 19.5% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 1.6%.
What are United Bank's key financial metrics?
United Bank has a market capitalization of $650.1B, trailing P/E ratio of 5.0, and revenue of $244.3B.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.