United Bank for AfricaNSA:UBA -1.54%77 PS Ratio is 0.79 as of Jul. 01, 2026, which is 25% above its 10-year median of 0.63. GuruFocus rates NSA:UBA with a GF Score™ of 77/100 and a GF Value™ of ₦35.52 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,517 Banks companies, United Bank for Africa ranks better than 93.8% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, United Bank for Africa's share price is ₦38.40.
United Bank for Africa's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was ₦48.63. Hence, United Bank for Africa's PS Ratio for today is 0.79.
The historical rank and industry rank for United Bank for Africa's PS Ratio or its related term are showing as below:
NSA:UBA'
s PS Ratio Range Over the Past 10 Years
Min: 0.37 Med: 0.63 Max: 1.35
Current: 0.79
During the past 13 years, United Bank for Africa's highest PS Ratio was 1.35. The lowest was 0.37. And the median was 0.63.
NSA:UBA's PS Ratio is ranked better than 93.8% of 1517
companies
in the Banks industry
Industry Median: 2.97
vs NSA:UBA: 0.79
United Bank for Africa PLC revenue per share is in decline over the past 12 months.
During the past 12 months, the average Revenue per Share Growth Rate of United Bank for Africa was -21.70% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 42.20% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 44.00% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 24.90% per year.
During the past 13 years, United Bank for Africa's highest 3-Year average Revenue per Share Growth Rate was 68.70% per year. The lowest was -6.90% per year. And the median was 12.90% per year.
Back to Basics: PS Ratio
United Bank for Africa (NSA:UBA) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Bank for Africa's PS Ratio distribution charts can be found below:
* The bar in red indicates where United Bank for Africa's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
United Bank for Africa's Share Price of today is ₦38.40. United Bank for Africa's Revenue per Share 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 ₦48.63.
* 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.
It can also be calculated from the numbers for the whole company:
United Bank for Africa (NSA:UBA) has a PS Ratio of 0.79 as of Jul. 01, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on United Bank for Africa and its competitors. This is 25% above median its historical median of 0.63. Over the past decade, United Bank for Africa's PS Ratio has ranged from 0.37 to 1.35. According to the industry distribution chart, United Bank for Africa ranks #94 out of 1517 companies in the Banks industry, placing it in the top 6.2%.
Is United Bank for Africa's PS Ratio too high?
United Bank for Africa's current PS Ratio of 0.79 is 25% above median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 1.35. The Banks industry median PS Ratio is 2.97. United Bank for Africa's value of 0.79 is 73.4% below this industry median. Based on the distribution chart, United Bank for Africa ranks #94 out of 1517 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 Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Bank for Africa's PS Ratio compare to JPM and BAC?
According to the Banks industry distribution chart, United Bank for Africa ranks #94 out of 1517 companies for PS Ratio. This places United Bank for Africa in the top 6% of its industry — outperforming the majority of peers. The industry median PS Ratio is 2.97. United Bank for Africa's value of 0.79 is 73.4% below this benchmark. Historically, United Bank for Africa's own PS Ratio has ranged from 0.37 to 1.35 over the past decade. While the company's 10-year median is 0.63 vs. the industry median of 2.97, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.97, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bank for Africa's current PS Ratio of 0.79 is 73.4% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on United Bank for Africa and its competitors. For the Banks industry, the median PS Ratio is 2.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bank for Africa's current PS Ratio is 0.79, which is 25% above median its own 10-year median of 0.63. 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 Fairly Valued. The stock's GF Value™ is ₦35.52, compared to a current price of ₦38.40 — trading 8.1% above its estimated fair value. The current PS Ratio is 0.79, which is 25% above median its 10-year median of 0.63 and 73.4% below the Banks industry median of 2.97. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For United Bank for Africa (NSA:UBA), the current PS Ratio is 0.79 as of Jul. 01, 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 ₦38.40 is trading 8.1% above its estimated GF Value™ of ₦35.52.
GuruFocus considers United Bank for Africa to be Fairly Valued.
Key valuation signals for NSA:UBA:
PS Ratio: 0.79 (25% above median its 10-year median of 0.63)
GF Value™: ₦35.52 vs. price of ₦38.40 (8.1% above fair value)
Industry Position: 73.4% below the Banks median (#94 of 1517)
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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