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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, United Bank for Africa's Enterprise Value is ₦-5,892,587 Mil.
United Bank for Africa's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was ₦110,280 Mil. Therefore, United Bank for Africa's EV-to-OCF for today is -53.43.
The historical rank and industry rank for United Bank for Africa's EV-to-OCF or its related term are showing as below:
NSA:UBA'
s EV-to-OCF Range Over the Past 10 Years
Min: -151.26 Med: -1.07 Max: 3.26
Current: -52.83
During the past 13 years, the highest EV-to-OCF of United Bank for Africa was 3.26. The lowest was -151.26. And the median was -1.07.
NSA:UBA's EV-to-OCF is ranked better than 97.06% of 1499
companies
in the Banks industry
Industry Median: 3.98
vs NSA:UBA: -52.83
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Bank for Africa (NSA:UBA) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
United Bank for Africa's PE Ratio (TTM) for today is calculated as:
United Bank for Africa's share price for today is ₦44.50.
United Bank for Africa's 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 ₦9.660.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Diversified subindustry, United Bank for Africa's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, United Bank for Africa's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where United Bank for Africa's EV-to-OCF falls into.
United Bank for Africa's current Enterprise Value is ₦-5,892,587 Mil.
United Bank for Africa's Cash Flow from Operations 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 ₦110,280 Mil.
* 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 (NSA:UBA) has a EV-to-OCF of -53.43 as of Aug. 03, 2026. According to the industry distribution chart, United Bank for Africa ranks #44 out of 1499 companies in the Banks industry, placing it in the top 2.9%.
Is United Bank for Africa's EV-to-OCF too high?
United Bank for Africa's current EV-to-OCF is -53.43. Based on the distribution chart, United Bank for Africa ranks #44 out of 1499 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 EV-to-OCF compare to JPM and BAC?
According to the Banks industry distribution chart, United Bank for Africa ranks #44 out of 1499 companies for EV-to-OCF. This places United Bank for Africa in the top 3% of its industry — outperforming the majority of peers. The industry median EV-to-OCF is 3.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bank for Africa's current EV-to-OCF is -53.43. 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 ₦35.72, compared to a current price of ₦44.50 — trading 24.6% above its estimated fair value. The current EV-to-OCF is -53.43. United Bank for Africa's overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For United Bank for Africa (NSA:UBA), the current EV-to-OCF is -53.43 as of Aug. 03, 2026. 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 ₦44.50 is trading 24.6% above its estimated GF Value™ of ₦35.72.
GuruFocus considers United Bank for Africa to be Modestly Overvalued.
Key valuation signals for NSA:UBA:
EV-to-OCF: -53.43
GF Value™: ₦35.72 vs. price of ₦44.50 (24.6% 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.
80GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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