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During the past 12 months, United Bank for Africa's average EPS without NRIGrowth Rate was -55.30% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 27.10% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 44.60% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 27.10% per year.
During the past 13 years, United Bank for Africa's highest 3-Year average EPS without NRI Growth Rate 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) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
United Bank for Africa Earnings per Share (Diluted) Related Terms
United Bank for Africa Earnings per Share (Diluted) Historical Data
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The historical data trend for United Bank for Africa's Earnings per Share (Diluted) can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
United Bank for Africa Earnings per Share (Diluted) Chart
NSA:UBA vs JPM, BAC, WFC: Earnings per Share (Diluted) Comparison
For the Banks - Diversified subindustry, United Bank for Africa's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Bank for Africa's PE Ratio distribution charts can be found below:
* The bar in red indicates where United Bank for Africa's PE Ratio falls into.
United Bank for Africa Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
United Bank for Africa's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was ₦9.66
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of ₦9.66 mean?
United Bank for Africa (NSA:UBA) has a Earnings per Share (Diluted) of ₦9.66 as of Dec. 2025. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on United Bank for Africa and its competitors. According to the industry distribution chart, United Bank for Africa ranks #214 out of 1411 companies in the Banks industry, placing it in the top 15.2%.
Is United Bank for Africa's Earnings per Share (Diluted) too high?
United Bank for Africa's current Earnings per Share (Diluted) is ₦9.66. Based on the distribution chart, United Bank for Africa ranks #214 out of 1411 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 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bank for Africa's Earnings per Share (Diluted) compare to JPM and BAC?
According to the Banks industry distribution chart, United Bank for Africa ranks #214 out of 1411 companies for Earnings per Share (Diluted). This places United Bank for Africa in the top 15% of its industry — outperforming the majority of peers. The industry median Earnings per Share (Diluted) is 7.40. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.40, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on United Bank for Africa and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bank for Africa's current Earnings per Share (Diluted) is ₦9.66. 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 Significantly Overvalued. The stock's GF Value™ is ₦30.87, compared to a current price of ₦44.90 — trading 45.4% above its estimated fair value. The current Earnings per Share (Diluted) is ₦9.66. United Bank for Africa's overall GF Score™ is 73/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For United Bank for Africa (NSA:UBA), the current Earnings per Share (Diluted) is ₦9.66 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 ₦44.90 is trading 45.4% above its estimated GF Value™ of ₦30.87.
GuruFocus considers United Bank for Africa to be Significantly Overvalued.
Key valuation signals for NSA:UBA:
Earnings per Share (Diluted): ₦9.66
GF Value™: ₦30.87 vs. price of ₦44.90 (45.4% above fair value)
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.
73GF Score
Get the complete analysis for NSA:UBA
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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