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United Bank for AfricaNSA:UBA +1.94%80 3-Year EPS without NRI Growth Rate is 27.10% as of Dec. 2025, which is 81% above its 10-year median of 15.00. GuruFocus rates NSA:UBA with a GF Score™ of 80/100 and a GF Value™ of ₦37.24 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,402 Banks companies, United Bank for Africa ranks better than 84.52% on this metric.
During the past 12 months, United Bank for Africa's average EPS without NRI Growth Rate was -55.30% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 27.10% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 44.60% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 27.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of United Bank for Africa was 99.80% per year. The lowest was -11.80% per year. And the median was 15.00% per year.
United Bank for Africa (NSA:UBA) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
United Bank for Africa 3-Year EPS without NRI Growth Rate Related Terms
NSA:UBA vs JPM, BAC, WFC: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Diversified subindustry, United Bank for Africa's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Bank for Africa 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, United Bank for Africa's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where United Bank for Africa's 3-Year EPS without NRI Growth Rate falls into.
United Bank for Africa 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 27.10% mean?
United Bank for Africa (NSA:UBA) has a 3-Year EPS without NRI Growth Rate of 27.10% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for United Bank for Africa and its competitors. This is 81% above median its historical median of 15.00. According to the industry distribution chart, United Bank for Africa ranks #217 out of 1402 companies in the Banks industry, placing it in the top 15.5%.
Is United Bank for Africa's 3-Year EPS without NRI Growth Rate too high?
United Bank for Africa's current 3-Year EPS without NRI Growth Rate of 27.10% is 81% above median its 10-year median of 15.00. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. United Bank for Africa's value of 27.10% is 256.6% above this industry median. Based on the distribution chart, United Bank for Africa ranks #217 out of 1402 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, United Bank for Africa has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bank for Africa's 3-Year EPS without NRI Growth Rate compare to JPM and BAC?
According to the Banks industry distribution chart, United Bank for Africa ranks #217 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This places United Bank for Africa in the top 16% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 7.60. United Bank for Africa's value of 27.10% is 256.6% above this benchmark. While the company's 10-year median is 15.00 vs. the industry median of 7.60, United Bank for Africa has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bank for Africa's current 3-Year EPS without NRI Growth Rate of 27.10% is 256.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for United Bank for Africa and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bank for Africa's current 3-Year EPS without NRI Growth Rate is 27.10%, which is 81% above median its own 10-year median of 15.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bank for Africa stock overvalued right now?
Based on GuruFocus' analysis, United Bank for Africa (NSA:UBA) is currently considered Modestly Overvalued. The stock's GF Value™ is ₦37.24, compared to a current price of ₦44.75 — trading 20.2% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 27.10%, which is 81% above median its 10-year median of 15.00 and 256.6% above the Banks industry median of 7.60. United Bank for Africa's overall GF Score™ is 80/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For United Bank for Africa (NSA:UBA), the current 3-Year EPS without NRI Growth Rate is 27.10% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is United Bank for Africa (NSA:UBA) Overvalued in 2026?
Based on GuruFocus' analysis, United Bank for Africa stock appears to be overvalued.
The current stock price of ₦44.75 is trading 20.2% above its estimated GF Value™ of ₦37.24.
GuruFocus considers United Bank for Africa to be Modestly Overvalued.
Key valuation signals for NSA:UBA:
3-Year EPS without NRI Growth Rate: 27.10% (81% above median its 10-year median of 15.00)
GF Value™: ₦37.24 vs. price of ₦44.75 (20.2% above fair value)
Industry Position: 256.6% above the Banks median (#217 of 1402)
No single metric tells the full story. See the NSA:UBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Bank for Africa PLC is a financial services institution. It offers banking and other financial and pension fund custody services. The geographical segments are Nigeria, the Rest of Africa and the Rest of the world. The business segments of the company are 1) Corporate Banking, which provides financial solutions to multinationals, regional companies, state-owned companies, non-governmental organizations, international and multinational organizations and financial institutions. 2) Retail/ Commercial banking segment products and services to the middle and retail segments of the market. 3) Treasury and Financial Markets segment provide financing and risk management solutions and advisory services to the company's corporate and institutional customers.
80GF Score
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