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
 03:30:00 26/04/2024 am IST 		5-day change 1st Jan Change
23 NGN +0.88% Intraday chart for United Bank for Africa Plc +1.32% -10.33%
09/04 United Bank for Africa Plc Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 United Bank for Africa Plc Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 2,44,526 2,95,825 2,92,050 2,59,916 8,77,215 7,86,587 - -
Enterprise Value (EV) 1 2,44,526 2,95,825 2,92,050 2,59,916 8,77,215 7,86,587 7,86,587 7,86,587
P/E ratio 2.84 x 2.7 x 2.37 x 1.57 x 1.47 x 2.49 x 2.63 x 2.09 x
Yield 14% 6.01% 12.4% 14.5% - 7.59% 8.59% 10.9%
Capitalization / Revenue 0.71 x 0.65 x 0.66 x 0.44 x 0.55 x 0.67 x 0.63 x 0.58 x
EV / Revenue 0.71 x 0.65 x 0.66 x 0.44 x 0.55 x 0.67 x 0.63 x 0.58 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.42 x 0.43 x 0.35 x 0.29 x - 0.41 x 0.37 x 0.32 x
Nbr of stocks (in thousands) 3,41,99,421 3,41,99,421 3,62,79,526 3,41,99,421 3,41,99,421 3,41,99,421 - -
Reference price 2 7.150 8.650 8.050 7.600 25.65 23.00 23.00 23.00
Announcement Date 28/02/20 08/03/21 07/03/22 30/03/23 08/04/24 - - -
1NGN in Million2NGN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 3,46,293 4,51,980 4,42,994 5,92,922 15,89,325 11,80,442 12,55,154 13,67,846
EBITDA - - - - - - - -
EBIT 1 1,29,126 1,57,798 1,64,008 - 9,97,685 6,20,000 5,22,000 5,84,517
Operating Margin 37.29% 34.91% 37.02% - 62.77% 52.52% 41.59% 42.73%
Earnings before Tax (EBT) 1 1,11,287 1,31,860 1,53,073 2,00,876 7,57,680 3,99,760 3,84,551 4,97,691
Net income 1 86,220 1,09,327 1,18,678 1,70,277 5,98,285 3,18,631 3,01,885 3,76,579
Net margin 24.9% 24.19% 26.79% 28.72% 37.64% 26.99% 24.05% 27.53%
EPS 2 2.520 3.200 3.390 4.840 17.49 9.233 8.743 11.01
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 1.000 0.5200 1.000 1.100 - 1.745 1.975 2.500
Announcement Date 28/02/20 08/03/21 07/03/22 30/03/23 08/04/24 - - -
1NGN in Million2NGN
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2020 S1 2022 S1 2023 Q1
Net sales 1,96,709 - -
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 01/09/20 08/09/22 13/04/23
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% - 17.3% 15% 16.1%
ROA (Net income/ Total Assets) 1.65% 1.64% 1.43% 1.76% - 1.8% 1.53% 1.7%
Assets 1 52,36,880 66,59,377 83,13,113 96,74,830 - 1,77,01,704 1,96,88,217 2,21,51,706
Book Value Per Share 2 16.90 20.30 22.70 25.90 - 56.20 61.80 72.80
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 28/02/20 08/03/21 07/03/22 30/03/23 08/04/24 - - -
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
5
Last Close Price
23 NGN
Average target price
33.95 NGN
Spread / Average Target
+47.61%
Consensus

EPS Revisions

Estimates Revisions

Annual profits - Rate of surprise

Company calendar

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