United Bank for Africa Plc (NGX:UBA)
Nigeria · Delayed Price · Currency is NGN 46.00
-0.50 (-1.08%)
At close: Sep 3, 2026
United Bank for Africa Cash Flow Statement
Financials in millions NGN. Fiscal year is January - December.
Millions NGN. Fiscal year is Jan - Dec.
Operating Activities
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 |
Net Income | 373,654 | 743,121 | 598,285 | 165,451 | 115,883 |
Depreciation & Amortization | 55,016 | 40,875 | 31,174 | 21,337 | 18,417 |
Other Amortization | 11,664 | 7,733 | 5,422 | 4,881 | 4,283 |
Gain (Loss) on Sale of Assets | 2,291 | -107 | -121 | -21 | -1,992 |
Gain (Loss) on Sale of Investments | 175,779 | 341,016 | -433,556 | 11,489 | 20,592 |
Total Asset Writedown | 8,860 | 20,376 | 38,761 | 4,060 | -1,061 |
Provision for Credit Losses | 400,774 | 271,608 | 159,940 | 28,221 | 15,199 |
Change in Trading Asset Securities | -93,505 | -66,998 | -19,162 | -1,796 | 126,093 |
Change in Other Net Operating Assets | -3,671,982 | -3,467,106 | -5,531,306 | -807,725 | -151,992 |
Other Operating Activities | -128,617 | -259,807 | 214,959 | 13,140 | 45,756 |
Operating Cash Flow | -2,866,066 | -2,369,289 | -4,935,604 | -561,274 | 189,250 |
Operating Cash Flow Growth | - | - | - | - | - |
Investing Activities
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 |
Capital Expenditures | -104,623 | -97,891 | -36,797 | -40,123 | -35,351 |
Sale of Property, Plant and Equipment | 11,826 | 6,695 | 2,171 | 594 | 8,093 |
Cash Acquisitions | - | - | - | 17,973 | - |
Investment in Securities | -1,746,374 | -4,886,687 | -3,165,884 | -859,549 | -764,699 |
Income (Loss) Equity Investments | - | - | - | -311 | -1,928 |
Purchase / Sale of Intangibles | -13,461 | -18,171 | -2,551 | -2,700 | -5,360 |
Other Investing Activities | 48,456 | 12,607 | 15,971 | 2,176 | 2,996 |
Investing Cash Flow | -1,804,202 | -4,988,554 | -3,197,692 | -891,933 | -796,386 |
Financing Activities
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 |
Long-Term Debt Issued | 470,660 | 825,607 | 345,079 | 219,845 | 280,752 |
Long-Term Debt Repaid | -901,555 | -942,215 | -494,926 | -187,869 | -545,312 |
Lease Payments | -14,484 | -8,170 | -10,514 | -4,914 | -1,340 |
Net Debt Issued (Repaid) | -430,895 | -116,608 | -149,847 | 31,976 | -264,560 |
Issuance of Common Stock | 395,045 | - | - | - | - |
Common Dividends Paid | -112,858 | -147,058 | -47,879 | -36,346 | -18,810 |
Net Increase (Decrease) in Deposit Accounts | 2,976,346 | 7,201,006 | 8,253,359 | 1,958,923 | 918,856 |
Other Financing Activities | -113,217 | -133,625 | -52,961 | -27,048 | -35,203 |
Financing Cash Flow | 2,714,421 | 6,803,715 | 8,002,672 | 1,927,505 | 600,283 |
Net Cash Flow
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 |
Foreign Exchange Rate Adjustments | 2,831,160 | 1,263,436 | 2,097,310 | 323 | -1,832 |
Net Cash Flow | 875,313 | 709,307 | 1,966,686 | 474,622 | -8,685 |
Free Cash Flow
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 |
Free Cash Flow | -2,970,689 | -2,467,180 | -4,972,401 | -601,397 | 153,899 |
Free Cash Flow Growth | - | - | - | - | - |
Free Cash Flow Margin | -194.86% | -133.37% | -368.36% | -109.21% | 35.78% |
Free Cash Flow Per Share | -76.83 | -72.14 | -145.40 | -17.59 | 4.50 |
Free Cash Flow After Leases | -2,985,173 | -2,475,350 | -4,982,915 | -606,311 | 152,559 |
Additional Metrics
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 |
Cash Interest Paid | 1,130,433 | 692,434 | 244,265 | 155,763 | 149,167 |
Cash Income Tax Paid | 197,116 | 122,770 | 80,166 | 31,733 | 23,064 |