United Bank for AfricaNSA:UBA +1.92%77 PEG Ratio is 0.09 as of Jun. 29, 2026, which is 44% below its 10-year median of 0.16. 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 1,231 Banks companies, United Bank for Africa ranks better than 98.7% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for United Bank for Africa's PEG Ratio or its related term are showing as below:
NSA:UBA'
s PEG Ratio Range Over the Past 10 Years
Min: 0.03 Med: 0.16 Max: 0.37
Current: 0.09
During the past 13 years, United Bank for Africa's highest PEG Ratio was 0.37. The lowest was 0.03. And the median was 0.16.
NSA:UBA's PEG Ratio is ranked better than 98.7% of 1231
companies
in the Banks industry
Industry Median: 1.52
vs NSA:UBA: 0.09
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
United Bank for Africa (NSA:UBA) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
* 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Bank for Africa's PEG Ratio distribution charts can be found below:
* The bar in red indicates where United Bank for Africa's PEG Ratio falls into.
* 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
United Bank for Africa (NSA:UBA) has a PEG Ratio of 0.09 as of Jun. 29, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on United Bank for Africa and its competitors. This is 44% below median its historical median of 0.16. Over the past decade, United Bank for Africa's PEG Ratio has ranged from 0.03 to 0.37. According to the industry distribution chart, United Bank for Africa ranks #16 out of 1231 companies in the Banks industry, placing it in the top 1.3%.
Is United Bank for Africa's PEG Ratio too high?
United Bank for Africa's current PEG Ratio of 0.09 is 44% below median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.37. The Banks industry median PEG Ratio is 1.52. United Bank for Africa's value of 0.09 is 94.1% below this industry median. Based on the distribution chart, United Bank for Africa ranks #16 out of 1231 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 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bank for Africa's PEG Ratio compare to JPM and BAC?
According to the Banks industry distribution chart, United Bank for Africa ranks #16 out of 1231 companies for PEG Ratio. This places United Bank for Africa in the top 1% of its industry — outperforming the majority of peers. The industry median PEG Ratio is 1.52. United Bank for Africa's value of 0.09 is 94.1% below this benchmark. Historically, United Bank for Africa's own PEG Ratio has ranged from 0.03 to 0.37 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 1.52, United Bank for Africa has consistently been below 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,231 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bank for Africa's current PEG Ratio of 0.09 is 94.1% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on United Bank for Africa and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bank for Africa's current PEG Ratio is 0.09, which is 44% below median its own 10-year median of 0.16. 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 PEG Ratio is 0.09, which is 44% below median its 10-year median of 0.16 and 94.1% below the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For United Bank for Africa (NSA:UBA), the current PEG Ratio is 0.09 as of Jun. 29, 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:
PEG Ratio: 0.09 (44% below median its 10-year median of 0.16)
GF Value™: ₦35.30 vs. price of ₦39.85 (12.9% above fair value)
Industry Position: 94.1% below the Banks median (#16 of 1231)
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
Get the complete analysis for NSA:UBA
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