EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, United Bank for Africa's Enterprise Value is ₦-6,098,099 Mil.
United Bank for Africa's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was ₦-19,555 Mil. Therefore, United Bank for Africa's EV-to-FCF for today is 311.84.
The historical rank and industry rank for United Bank for Africa's EV-to-FCF or its related term are showing as below:
NSA:UBA'
s EV-to-FCF Range Over the Past 10 Years
Min: -86.71 Med: -1.05 Max: 318.89
Current: 311.84
During the past 13 years, the highest EV-to-FCF of United Bank for Africa was 318.89. The lowest was -86.71. And the median was -1.05.
NSA:UBA's EV-to-FCF is ranked worse than 99% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs NSA:UBA: 311.84
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 ₦39.85.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, United Bank for Africa's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where United Bank for Africa's EV-to-FCF falls into.
United Bank for Africa's current Enterprise Value is ₦-6,098,099 Mil.
United Bank for Africa's Free Cash Flow 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 ₦-19,555 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-FCF of 311.84 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Bank for Africa and its competitors. According to the industry distribution chart, United Bank for Africa ranks #1183 out of 1195 companies in the Banks industry, placing it in the top 99%.
Is United Bank for Africa's EV-to-FCF too high?
United Bank for Africa's current EV-to-FCF is 311.84. The Banks industry median EV-to-FCF is 6.52. United Bank for Africa's value of 311.84 is 4682.8% above this industry median. Based on the distribution chart, United Bank for Africa ranks #1183 out of 1195 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, United Bank for Africa has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bank for Africa's EV-to-FCF compare to JPM and BAC?
According to the Banks industry distribution chart, United Bank for Africa ranks #1183 out of 1195 companies for EV-to-FCF. This places United Bank for Africa in the lower half of its industry. The industry median EV-to-FCF is 6.52. United Bank for Africa's value of 311.84 is 4682.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bank for Africa's current EV-to-FCF of 311.84 is 4682.8% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Bank for Africa and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — 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-FCF is 311.84. 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 ₦35.30, compared to a current price of ₦39.85 — trading 12.9% above its estimated fair value. The current EV-to-FCF is 311.84 and 4682.8% above the Banks industry median of 6.52. United Bank for Africa's overall GF Score™ is 77/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For United Bank for Africa (NSA:UBA), the current EV-to-FCF is 311.84 as of Jun. 28, 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 ₦39.85 is trading 12.9% above its estimated GF Value™ of ₦35.30.
GuruFocus considers United Bank for Africa to be Modestly Overvalued.
Key valuation signals for NSA:UBA:
EV-to-FCF: 311.84
GF Value™: ₦35.30 vs. price of ₦39.85 (12.9% above fair value)
Industry Position: 4682.8% above the Banks median (#1183 of 1195)
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.
77GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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