United Bank for Africa (NSA:UBA) Dividend Payout Ratio: 0.00 (As of Dec. 2025)


NSA:UBA United Bank for Africa PLC NSA:UBA
77 GF Score
Price ₦39.85
GF Value ₦35.30
Valuation Modestly Overvalued
! 4 Warning Signs
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What is United Bank for Africa Dividend Payout Ratio?

United Bank for Africa NSA:UBA +1.92% 77 Dividend Payout Ratio is 0.00 as of Dec. 2025. GuruFocus rates NSA:UBA with a GF Score™ of 77/100 and a GF Value™ of ₦35.30 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,168 Banks companies, United Bank for Africa ranks better than 51.54% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. United Bank for Africa's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.00.

The historical rank and industry rank for United Bank for Africa's Dividend Payout Ratio or its related term are showing as below:

NSA:UBA' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07   Med: 0.3   Max: 0.37
Current: 0.32

During the past 13 years, the highest Dividend Payout Ratio of United Bank for Africa was 0.37. The lowest was 0.07. And the median was 0.30.

NSA:UBA's Dividend Payout Ratio is ranked better than
51.54% of 1168 companies
in the Banks industry
Industry Median: 0.32 vs NSA:UBA: 0.32

As of today (2026-06-27), the Dividend Yield % of United Bank for Africa is 0.63%.

During the past 13 years, the highest Trailing Annual Dividend Yield of United Bank for Africa was 26.08%. The lowest was 0.62%. And the median was 10.98%.

United Bank for Africa's Dividends per Share for the months ended in Dec. 2025 was ₦0.00.

During the past 12 months, United Bank for Africa's average Dividends Per Share Growth Rate was -24.40% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 48.10% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 43.20% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 21.70% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of United Bank for Africa was 116.80% per year. The lowest was -13.50% per year. And the median was 14.15% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

United Bank for Africa (NSA:UBA) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

United Bank for Africa Dividend Payout Ratio Related Terms

United Bank for Africa Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for United Bank for Africa's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

United Bank for Africa Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.17 0.20 0.07 0.19 0.32

United Bank for Africa Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.28 0.00 0.84 0.05 0.00

NSA:UBA vs JPM, BAC, WFC: Dividend Payout Ratio Comparison

For the Banks - Diversified subindustry, United Bank for Africa's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, United Bank for Africa's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where United Bank for Africa's Dividend Payout Ratio falls into.


NSA:UBA
77GF Score
United Bank for Africa PLC NSA:UBA
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

United Bank for Africa Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

United Bank for Africa's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=3.248/ 10.085
=0.32

United Bank for Africa's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=0/ -3.746
=N/A

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.00 mean?
United Bank for Africa (NSA:UBA) has a Dividend Payout Ratio of 0.00 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on United Bank for Africa and its competitors. Over the past decade, United Bank for Africa's Dividend Payout Ratio has ranged from 0.07 to 0.37. According to the industry distribution chart, United Bank for Africa ranks #566 out of 1168 companies in the Banks industry, placing it in the top 48.5%.
Is United Bank for Africa's Dividend Payout Ratio too high?
United Bank for Africa's current Dividend Payout Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.37. Based on the distribution chart, United Bank for Africa ranks #566 out of 1168 companies in the Banks industry, which is above the industry midpoint. 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 Dividend Payout Ratio compare to JPM and BAC?
According to the Banks industry distribution chart, United Bank for Africa ranks #566 out of 1168 companies for Dividend Payout Ratio. This puts United Bank for Africa in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. Historically, United Bank for Africa's own Dividend Payout Ratio has ranged from 0.07 to 0.37 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on United Bank for Africa and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bank for Africa's current Dividend Payout Ratio is 0.00. 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 ₦35.30, compared to a current price of ₦39.85 — trading 12.9% above its estimated fair value. The current Dividend Payout Ratio is 0.00. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For United Bank for Africa (NSA:UBA), the current Dividend Payout Ratio is 0.00 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 ₦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:

  • Dividend Payout Ratio: 0.00
  • GF Value™: ₦35.30 vs. price of ₦39.85 (12.9% above fair value)
  • GF Score™: 77/100 with 4 warning signs

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 Business Description

Address 57 Marina, UBA House, Lagos, NGA
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

Get the complete analysis for NSA:UBA

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₦39.85
Price
₦35.30
GF Value