Valuation
50
UBA · United Bank For Africa Plc
Avoid Neutral Quality 3/5Distress proxy: 25.15 (Safe)
Compare with another stock →
Composite score
38.5
Tier: Avoid
Last close
₦38
As of latest snapshot
30-day ADV
₦2.48B
Liquidity signal
Market cap
₦1.69T
Financial Services
Financials
25
Technical
40
AI bottom line
UBA trades at a 39% discount to sector peers on P/E (4.8x vs 7.8x) but this reflects genuine quality deterioration: ROE of 7.6% trails the median by nearly 10 percentage points, with a Financials pillar score of just 25. The critical watch is cash burn severity—negative FCF yield of -168.7%—which threatens dividend sustainability and requires clarification on management's capital allocation strategy.
Stock Snowflake 5-axis radar
Blue = UBA. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 4.8x — about 38% below the Financial Services median of 7.8x.
- P/B of 0.4x — trading below book value, often a value signal (or a quality flag if persistent).
- ROE of 7.6% — well below sector median of 17.3%. Capital is underperforming.
- Below both 50-day (-13.9%) and 200-day (-13.0%) moving averages — sustained downtrend.
Risk flags
Cash burn — FCF margin -190.4%
Price & trend
Close price with 50-day and 200-day moving averages, last 12 months.
Composite score history
How the model has rated this stock over the available history. Tier changes happen at 75 / 60 / 40.
Key metrics
Valuation
P/E ratio4.8x
P/B ratio0.4x
P/S ratio1.1x
EV/EBITDA—
FCF yield-168.7%
Financials
ROE7.6%
ROA1.0%
Net margin21.0%
FCF margin-190.4%
Debt / Equityn/a (bank)
Technical
Last close₦38
Above 50d MA-13.9%
Above 200d MA-13.0%
ADX (trend)70.8
RSI25.5
Dividend history 10 fiscal years shown
All amounts are gross of Nigeria's 10% withholding tax on dividends. Bonus ratios are 'new shares for shares held'.
Current yield: 0.65% 👑 Aristocrat · 14 consecutive years 5y DPS CAGR: -14.6% ↓ 10y CAGR: -8.4%
| FY | Interim DPS | Final DPS | Total cash | Bonus | Qualification | Payment |
|---|---|---|---|---|---|---|
| 2025 | ₦0.25 | — | ₦0.25 | — | — | — |
| 2024 | ₦2.00 | ₦3.00 | ₦5.00 | — | — | 25 Apr 2025 |
| 2023 | ₦0.5 | ₦2.30 | ₦2.80 | — | — | 24 May 2024 |
| 2022 | — | ₦0.9 | ₦0.9 | — | — | 27 Apr 2023 |
| 2021 | ₦0.17 | ₦0.8 | ₦0.97 | — | — | 07 Apr 2022 |
| 2020 | ₦0.2 | ₦0.35 | ₦0.55 | — | — | 01 Apr 2021 |
| 2019 | — | ₦0.8 | ₦0.8 | — | — | 27 Mar 2020 |
| 2018 | ₦0.2 | ₦0.65 | ₦0.85 | — | — | — |
| 2017 | — | ₦0.65 | ₦0.65 | — | — | — |
| 2016 | ₦0.2 | ₦0.55 | ₦0.75 | — | — | — |
Peers in Financial Services
Closest names by composite score within the same sector. Click a symbol to open its detail page.
| Symbol | Composite | P/E | P/B | ROE | Tier |
|---|---|---|---|---|---|
| MANSARD | 40.2 | 1272.7x | 1.9x | 0.2% | Neutral |
| GUINEAINS | 36.0 | — | 1.6x | -2.5% | Avoid |
| SOVRENINS | 34.2 | 116.5x | 1.8x | 2.0% | Avoid |
| LIVINGTRUST | 33.8 | 32.3x | 3.6x | 20.0% | Illiquid |
| FIDELITYBK | 43.4 | 5.2x | 0.8x | 16.2% | Neutral |
| REGALINS | 32.9 | 21.5x | — | — | Avoid |