United Bank for Africa Plc (NGX:UBA)

United Bank for Africa Statistics

Total Valuation

NGX:UBA has a market cap or net worth of NGN 1.60 trillion.

Market Cap	1.60T
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, October 30, 2025.

Earnings Date	Oct 30, 2025
Ex-Dividend Date	Oct 6, 2025

Share Statistics

NGX:UBA has 41.04 billion shares outstanding. The number of shares has increased by 8.02% in one year.

Current Share Class	41.04B
Shares Outstanding	41.04B
Shares Change (YoY)	+8.02%
Shares Change (QoQ)	+7.34%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	1.36%
Float	n/a

Valuation Ratios

The trailing PE ratio is 1.95 and the forward PE ratio is 1.71. NGX:UBA's PEG ratio is 0.38.

PE Ratio	1.95
Forward PE	1.71
PS Ratio	0.86
PB Ratio	0.37
P/TBV Ratio	0.39
P/FCF Ratio	0.89
P/OCF Ratio	0.82
PEG Ratio	0.38

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.41
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 19.75%.

Return on Equity (ROE)	19.75%
Return on Assets (ROA)	2.42%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	199.40M
Profits Per Employee	79.21M
Employee Count	9,323
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NGX:UBA has paid 58.00 million in taxes.

Income Tax	58.00M
Effective Tax Rate	0.01%

Stock Price Statistics

The stock price has increased by +16.29% in the last 52 weeks. The beta is 0.20, so NGX:UBA's price volatility has been lower than the market average.

Beta (5Y)	0.20
52-Week Price Change	+16.29%
50-Day Moving Average	42.49
200-Day Moving Average	39.85
Relative Strength Index (RSI)	44.19
Average Volume (20 Days)	20,944,021

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, NGX:UBA had revenue of NGN 1.86 trillion and earned 738.49 billion in profits. Earnings per share was 19.99.

Revenue	1.86T
Gross Profit	1.86T
Operating Income	779.22B
Pretax Income	778.84B
Net Income	738.49B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	19.99

Balance Sheet

The company has 5.61 trillion in cash and 743.13 billion in debt, giving a net cash position of 4.87 trillion or 118.68 per share.

Cash & Cash Equivalents	5.61T
Total Debt	743.13B
Net Cash	4.87T
Net Cash Per Share	118.68
Equity (Book Value)	4.30T
Book Value Per Share	101.77
Working Capital	-16,340.11B

Cash Flow

In the last 12 months, operating cash flow was 1.95 trillion and capital expenditures -143.36 billion, giving a free cash flow of 1.80 trillion.

Operating Cash Flow	1.95T
Capital Expenditures	-143.36B
Free Cash Flow	1.80T
FCF Per Share	43.94

Margins

Gross Margin	n/a
Operating Margin	41.92%
Pretax Margin	41.90%
Profit Margin	39.73%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	97.01%

Dividends & Yields

This stock pays an annual dividend of 5.00, which amounts to a dividend yield of 12.85%.

Dividend Per Share	5.00
Dividend Yield	12.85%
Dividend Growth (YoY)	-24.42%
Years of Dividend Growth	3
Payout Ratio	23.15%
Buyback Yield	-8.02%
Shareholder Yield	4.51%
Earnings Yield	46.26%
FCF Yield	112.96%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on April 27, 2011. It was a forward split with a ratio of 1.25.

Last Split Date	Apr 27, 2011
Split Type	Forward
Split Ratio	1.25

Scores

Altman Z-Score	n/a
Piotroski F-Score	4