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 1.72 trillion.

Market Cap	1.72T
Enterprise Value	n/a

Important Dates

The next estimated earnings date is 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 2.98% in one year.

Current Share Class	41.04B
Shares Outstanding	41.04B
Shares Change (YoY)	+2.98%
Shares Change (QoQ)	+11.94%
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 1.85. NGX:UBA's PEG ratio is 0.41.

PE Ratio	1.95
Forward PE	1.85
PS Ratio	0.92
PB Ratio	0.41
P/TBV Ratio	0.43
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	0.41

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	-0.33
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 21.82%.

Return on Equity (ROE)	21.82%
Return on Assets (ROA)	2.55%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	181.01M
Profits Per Employee	73.10M
Employee Count	9,323
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NGX:UBA has paid 4.82 billion in taxes.

Income Tax	4.82B
Effective Tax Rate	0.61%

Stock Price Statistics

The stock price has increased by +69.09% in the last 52 weeks. The beta is 0.28, so NGX:UBA's price volatility has been lower than the market average.

Beta (5Y)	0.28
52-Week Price Change	+69.09%
50-Day Moving Average	45.79
200-Day Moving Average	39.27
Relative Strength Index (RSI)	43.70
Average Volume (20 Days)	27,106,859

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 1.88 trillion and earned 759.68 billion in profits. Earnings per share was 21.57.

Revenue	1.88T
Gross Profit	1.88T
Operating Income	790.56B
Pretax Income	790.56B
Net Income	759.68B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	21.57

Balance Sheet

The company has 5.47 trillion in cash and 803.48 billion in debt, giving a net cash position of 4.67 trillion or 113.73 per share.

Cash & Cash Equivalents	5.47T
Total Debt	803.48B
Net Cash	4.67T
Net Cash Per Share	113.73
Equity (Book Value)	4.22T
Book Value Per Share	99.99
Working Capital	-17,212.71B

Cash Flow

In the last 12 months, operating cash flow was -2,300.87 billion and capital expenditures -142.38 billion, giving a free cash flow of -2,443.25 billion.

Operating Cash Flow	-2,300.87B
Capital Expenditures	-142.38B
Free Cash Flow	-2,443.25B
FCF Per Share	-59.53

Margins

Gross Margin	n/a
Operating Margin	42.02%
Pretax Margin	42.02%
Profit Margin	40.38%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 5.00, which amounts to a dividend yield of 11.90%.

Dividend Per Share	5.00
Dividend Yield	11.90%
Dividend Growth (YoY)	-24.42%
Years of Dividend Growth	3
Payout Ratio	22.51%
Buyback Yield	-2.98%
Shareholder Yield	8.92%
Earnings Yield	44.07%
FCF Yield	-141.75%

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	2