United Bank for Africa Plc (NGX:UBA)
Nigeria · Delayed Price · Currency is NGN 46.00
-2.10 (-4.37%)
At close: Jul 24, 2026
United Bank for Africa Financials Overview
Financials in millions NGN. Fiscal year is January - December.
Millions NGN. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 1,556,828 | 1,524,519 | 1,849,901 | 1,349,889 | 550,656 | 430,131 |
Revenue Growth | -19.11% | -17.59% | 37.04% | 145.14% | 28.02% | 14.44% |
Net Income Net Income Growth | 328,276 | 373,654 | 743,121 | 598,285 | 165,451 | 115,883 |
Earnings Per Share EPS Growth | 7.97 | 9.66 | 21.73 | 17.49 | 4.84 | 3.39 |
EPS Growth | -65.52% | -55.53% | 24.21% | 261.61% | 42.77% | 9.42% |
| Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Corporate Banking Corporate Banking Growth | 382,783 | 613,510 | 313,413 | 181,114 | 217,152 |
Treasury and Financial Markets Treasury and Financial Markets Growth | 561,405 | 747,067 | 349,245 | 135,838 | 91,596 |
Retail and Commercial Retail and Commercial Growth | 862,845 | 841,696 | 371,421 | 233,704 | 121,384 |
Unallocated Segment Unallocated Segment Growth | -279,755 | -352,368 | 348,046 | - | - |
Total Total Growth | 1,527,278 | 1,849,905 | 1,382,125 | 550,656 | 430,132 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 5,354,405 | 5,271,262 | 4,522,985 | 3,915,606 | 1,325,259 | 895,351 |
Total Debt Total Debt Growth | 1,046,621 | 1,120,058 | 1,500,521 | 891,179 | 555,892 | 472,630 |
Net Cash (Debt) Net Cash Growth | 4,307,784 | 4,151,204 | 3,022,464 | 3,024,427 | 769,367 | 422,721 |
Net Cash Growth | -18.11% | 37.34% | -0.07% | 293.11% | 82.00% | 25.63% |
Net Cash Per Share Net Cash Per Share Growth | 104.61 | 107.36 | 88.38 | 88.44 | 22.50 | 12.36 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | - | -2,866,066 | -2,369,289 | -4,935,604 | -561,274 | 189,250 |
Capital Expenditures CapEx Growth | - | -104,623 | -97,891 | -36,797 | -40,123 | -35,351 |
Free Cash Flow Free Cash Flow Growth | - | -2,970,689 | -2,467,180 | -4,972,401 | -601,397 | 153,899 |
Free Cash Flow Growth | - | - | - | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Profit Margin | 21.09% | 24.51% | 40.17% | 44.32% | 30.05% | 26.94% |
FCF Margin | - | -194.86% | -133.37% | -368.36% | -109.21% | 35.78% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 25, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 0.250 | 0.250 | 5.000 | 2.800 | 1.100 | 1.000 |
Dividend Per Share Growth | -24.42% | -95.00% | 78.57% | 154.54% | 10.00% | 92.31% |
Dividend Yield | 0.52% | 0.60% | 16.18% | 14.23% | 21.74% | 21.13% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 25, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 6.03 | 4.58 | 1.57 | 1.47 | 1.57 | 2.52 |
Forward PE | 2.72 | 1.91 | 1.89 | 2.15 | 1.93 | 1.93 |
P/FCF Ratio | - | - | - | - | - | 1.90 |
PS Ratio | 1.37 | 1.12 | 0.63 | 0.65 | 0.47 | 0.68 |