Stock UBA UNITED BANK FOR AFRICA PLC
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Financials United Bank for Africa Plc

Equities

UBA

NGUBA0000001

Banks

End-of-day quote Nigerian S.E.
Other stock markets
 06:00:00 2024-07-09 pm EDT 		5-day change 1st Jan Change
22.75 NGN -1.30% Intraday chart for United Bank for Africa Plc 0.00% -11.31%
May. 27 United Bank for Africa Plc announced that it expects to receive NGN 5.4009936 billion in funding CI
May. 03 United Bank for Africa Plc Reports Earnings Results for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 244,526 295,825 292,050 259,916 877,215 778,037 - -
Enterprise Value (EV) 1 244,526 295,825 292,050 259,916 877,215 778,037 778,037 778,037
P/E ratio 2.84 x 2.7 x 2.37 x 1.57 x 1.47 x 1.22 x 1.52 x 1.31 x
Yield 14% 6.01% 12.4% 14.5% 10.9% 11.2% 10.8% 13%
Capitalization / Revenue 0.71 x 0.65 x 0.66 x 0.44 x 0.55 x 0.34 x 0.37 x 0.32 x
EV / Revenue 0.71 x 0.65 x 0.66 x 0.44 x 0.55 x 0.34 x 0.37 x 0.32 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.42 x 0.43 x 0.35 x 0.29 x 0.45 x 0.32 x 0.29 x 0.24 x
Nbr of stocks (in thousands) 34,199,421 34,199,421 36,279,526 34,199,421 34,199,421 34,199,421 - -
Reference price 2 7.150 8.650 8.050 7.600 25.65 22.75 22.75 22.75
Announcement Date 2/28/20 3/8/21 3/7/22 3/30/23 4/8/24 - - -
1NGN in Million2NGN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 346,293 451,980 442,994 592,922 1,589,325 2,311,281 2,084,882 2,396,954
EBITDA - - - - - - - -
EBIT 1 129,126 157,798 164,008 - 997,685 1,197,244 993,627 1,091,812
Operating Margin 37.29% 34.91% 37.02% - 62.77% 51.8% 47.66% 45.55%
Earnings before Tax (EBT) 1 111,287 131,860 153,073 200,876 757,680 400,901 549,206 919,065
Net income 1 86,220 109,327 118,678 170,277 598,285 774,586 461,942 553,001
Net margin 24.9% 24.19% 26.79% 28.72% 37.64% 33.51% 22.16% 23.07%
EPS 2 2.520 3.200 3.390 4.840 17.49 18.58 14.97 17.37
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 1.000 0.5200 1.000 1.100 2.800 2.540 2.462 2.950
Announcement Date 2/28/20 3/8/21 3/7/22 3/30/23 4/8/24 - - -
1NGN in Million2NGN
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2020 S1 2022 S1 2023 Q1
Net sales 196,709 - -
EBITDA - - -
EBIT 64,583 - -
Operating Margin 32.83% - -
Earnings before Tax (EBT) - - -
Net income 42,530 67,686 -
Net margin 21.62% - -
EPS 1 1.240 - 1.470
Dividend per Share - - -
Announcement Date 9/1/20 9/8/22 4/13/23
1NGN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 16.2% 17.2% 15.6% 19.7% 42% 31.6% 20.3% 19.6%
ROA (Net income/ Total Assets) 1.65% 1.64% 1.43% 1.76% 3.8% 3.3% 2.27% 2.37%
Assets 1 5,236,880 6,659,377 8,313,113 9,674,830 15,755,537 23,472,303 20,379,764 23,366,207
Book Value Per Share 2 16.90 20.30 22.70 25.90 57.40 70.60 79.70 95.60
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/28/20 3/8/21 3/7/22 3/30/23 4/8/24 - - -
1NGN in Million2NGN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for United Bank for Africa Plc

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
6
Last Close Price
22.75 NGN
Average target price
35.66 NGN
Spread / Average Target
+56.75%
Consensus

EPS Revisions

Estimates Revisions

Annual profits - Rate of surprise

Company calendar

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