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Universal bank (ATB) UZS

At a glance: strengths & risks
Revenue growing (+31%)Profit growing (+64%)Strong ROE (33%)Book value growing (+45%)

Sector: Banks

UZ_UNIVERSAL

Price chart

12 700.99 UZSDay

Key metrics

Market

Price
12 700.99 UZS
Market cap
1270.1 bn UZS

Growth

Δ NII y/y
34.2%
Δ net profit y/y
6.6%

Multiples

P/E (LTM)
4.4x
P/B (FY)
2.1x
P/E (ann.)
4.1x

Returns

Dividend yield
4.4%
ROE (annualized)
19.9%
ROI (ROE ÷ P/B)
9.5%

Value creation

annualized net income / market cap (return on equity value)
Banking potential

Liquidity

Daily turnover
2.2 mln UZS

Shares: connector/market_inputs

Financial results

Monetary columns are in B UZS, one decimal; scale (K/M/B/T) keeps values readable. For the period (default) shows P&L and cash flow for that row’s reporting window: quarterly amounts when the feed uses quarter-duration facts (typical US 10-Q revenue and income), quarterly cash flows after stripping YTD where only cumulative tags exist, and an implied Q4 on 31 Dec FY rows (P&L: FY minus Q1–Q3; operating / investing cash flow: FY 12m minus 9M YTD to 30 Sep when sourced from SEC builder evidence) so they match 10-Q scale. Some issuers still use cumulative YTD minus the prior row in the same calendar year. As reported shows values stored on each row (e.g. full-year on FY). Balance sheet is always as reported. Source JSON may use millions etc.; conversion uses amounts_unit per row.

DatePeriodStatusNet interest incomeB UZSNet profitB UZSAssetsB UZSEquityB UZSROE (annualized)Source
2026-03-31Q1 2026 (3M)OK58.6
y/y 34.2%
77.8
y/y 6.6%
4567.6
y/y 32.4%
y/y
Link
2025-09-30Q3 2025 (3M)OK46.1
y/y 22.1%
64.3
y/y 39.7%
3907.0
y/y 40.4%
y/y
Link
2025-06-30Q2 2025 (3M)OK45.9
y/y 32.2%
72.2
y/y 123.1%
3903.4
y/y 54.0%
y/y
Link
2025-03-31Q1 2025 (3M)OK43.6
y/y 29.0%
73.0
y/y 53.2%
3449.6
y/y 41.5%
y/y
Link
2024-12-31Q4 2024 (3M)OK42.7
y/y
30.1
y/y
3368.0
y/y 40.8%
605.6
y/y 45.0%
Link
2024-09-30Q3 2024 (3M)OK37.7
y/y
46.0
y/y
2783.1
y/y
y/y
Link
2024-06-30Q2 2024 (3M)OK34.8
y/y
32.4
y/y
2534.5
y/y
492.5
y/y
Link
2024-03-31Q1 2024 (3M)OK33.8
y/y
47.6
y/y
2438.3
y/y
y/y
Link
2023-12-31FY 2023 (12M)OK436.7
y/y
120.4
y/y
2392.1
y/y
417.6
y/y
Link

Dividends

Paid (completed)

DatePer shareDetailsStatusSource
2024-10-15896 UZSOrdinary: 896 UZSPaidstockscope.uz
2024-07-04599 UZSOrdinary: 599 UZSPaidstockscope.uz
2024-02-26924 UZSOrdinary: 924 UZSPaidstockscope.uz
2022-10-19392 UZSOrdinary: 392 UZSPaidstockscope.uz
2019-07-09135 UZSOrdinary: 135 UZSPaidstockscope.uz
2018-05-10800 UZSOrdinary: 800 UZSPaidstockscope.uz
2017-06-23400 UZSOrdinary: 400 UZSPaidstockscope.uz

KASE: status follows wording in the news headline (paid vs intends to pay). Yahoo: amounts are cash dividends per share on ex-dividend dates (UTC calendar date). stockscope.uz (UZ): amounts are per share in UZS by publication date (not necessarily ex-div).

Investor reporting (IR): https://universalbank.uz/

Reporting forms detected in loaded periods: (Balance sheet / Profit or loss (P&L) / Cash flows)

Financial results, valuation multiples (P/E, P/B, EV/EBITDA), profitability and dividend yield of Universal bank (ATB) — from primary filings.

Universal Bank provides retail and corporate banking, lending and treasury services in Uzbekistan.

Frequently asked questions

What is Universal bank (ATB)'s P/E ratio?
Universal bank (ATB) trades at a P/E of 4.4x (price to trailing 12-month earnings).
What is Universal bank (ATB)'s P/B ratio?
Universal bank (ATB) trades at a P/B of 2.1x.
What is Universal bank (ATB)'s dividend yield?
Universal bank (ATB)'s trailing 12-month dividend yield is 4.4%.
What is Universal bank (ATB)'s return on equity (ROE)?
Universal bank (ATB)'s ROE is 19.9%.
What is Universal bank (ATB)'s market capitalization?
Universal bank (ATB)'s market cap is 1270.1 bn UZS.