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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May '26 May 1, 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
Market Capitalization	1,891,596	1,709,287	1,162,780	877,215	259,916	292,050
Market Cap Growth	58.26%	47.00%	32.55%	237.50%	-11.00%	-1.28%
Last Close Price	42.80	41.65	30.91	19.67	5.06	4.73
PE Ratio	5.39	4.58	1.57	1.47	1.57	2.52
PS Ratio	1.19	1.12	0.63	0.65	0.47	0.68
PB Ratio	0.44	0.40	0.34	0.43	0.28	0.36
P/FCF Ratio	-	-	-	-	-	1.90
P/OCF Ratio	-	-	-	-	-	1.54
Debt / Equity Ratio	0.25	0.26	0.44	0.44	0.60	0.59
Debt / FCF Ratio	-	-	-	-	-	3.07
Net Debt / Equity Ratio	-1.90	-0.98	-0.88	-1.49	-0.83	-0.52
Net Debt / FCF Ratio	-	1.40	1.23	0.61	1.28	-2.75
Return on Equity (ROE)	-	10.55%	28.14%	41.17%	19.72%	15.57%
Return on Assets (ROA)	-	1.27%	3.01%	3.86%	1.76%	1.46%
Earnings Yield	17.47%	21.86%	63.91%	68.20%	63.66%	39.68%
FCF Yield	-	-173.80%	-212.18%	-566.84%	-231.38%	52.70%
Dividend Yield	7.60%	0.60%	16.18%	14.23%	21.74%	21.13%
Payout Ratio	-	30.20%	19.79%	8.00%	21.97%	16.23%
Buyback Yield / Dilution	-21.63%	-13.07%	-	-	-	-
Total Shareholder Return	-14.03%	-12.47%	16.18%	14.23%	21.74%	21.13%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.