United Bank for Africa Ratios and Metrics

Market cap in millions NGN. Fiscal year is January - December.

Millions NGN. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar '26 Mar 3, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	2,103,738	1,162,780	877,215	259,916	292,050	295,825
Market Cap Growth	58.54%	32.55%	237.50%	-11.00%	-1.28%	20.98%
Last Close Price	47.60	30.91	19.67	5.06	4.73	4.71
PE Ratio	2.38	1.57	1.47	1.57	2.52	2.79
PS Ratio	1.13	0.63	0.65	0.47	0.68	0.79
PB Ratio	0.49	0.34	0.43	0.28	0.36	0.41
P/FCF Ratio	1.17	-	-	-	1.90	-
P/OCF Ratio	1.08	-	-	-	1.54	-
Debt / Equity Ratio	0.17	0.44	0.44	0.60	0.59	0.98
Debt / FCF Ratio	0.41	-	-	-	3.07	-
Net Debt / Equity Ratio	-1.13	-0.88	-1.49	-0.83	-0.52	-0.47
Net Debt / FCF Ratio	-2.70	1.24	0.61	1.28	-2.75	0.59
Return on Equity (ROE)	19.75%	28.14%	41.17%	19.72%	15.57%	16.57%
Return on Assets (ROA)	2.42%	3.01%	3.86%	1.76%	1.46%	1.64%
Earnings Yield	35.10%	63.91%	68.20%	63.66%	39.68%	35.80%
FCF Yield	85.72%	-210.45%	-566.84%	-231.38%	52.70%	-192.90%
Dividend Yield	6.91%	16.18%	14.23%	21.74%	21.13%	11.04%
Payout Ratio	23.15%	19.79%	8.00%	21.97%	16.23%	31.32%
Buyback Yield / Dilution	-8.02%	-	-	-	-	-
Total Shareholder Return	-1.11%	16.18%	14.23%	21.74%	21.13%	11.04%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.