United Bank for Africa (NSA:UBA) ROC (Joel Greenblatt) %: % (As of Dec. 2025)


NSA:UBA United Bank for Africa PLC NSA:UBA
77 GF Score
Price ₦41.00
GF Value ₦35.74
Valuation Modestly Overvalued
! 4 Warning Signs
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What is United Bank for Africa ROC (Joel Greenblatt) %?

United Bank for Africa NSA:UBA +8.18% 77 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates NSA:UBA with a GF Score™ of 77/100 and a GF Value™ of ₦35.74 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 46 Banks companies, United Bank for Africa ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

NSA:UBA
77GF Score
United Bank for Africa PLC NSA:UBA
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
United Bank for Africa (NSA:UBA) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on United Bank for Africa and its competitors. According to the industry distribution chart, United Bank for Africa ranks #999999 out of 46 companies in the Banks industry.
Is United Bank for Africa's ROC (Joel Greenblatt) % too high?
United Bank for Africa's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, United Bank for Africa ranks #999999 out of 46 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 ROC (Joel Greenblatt) % compare to JPM and BAC?
According to the Banks industry distribution chart, United Bank for Africa ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places United Bank for Africa in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 69.14. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 69.14, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on United Bank for Africa and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 69.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bank for Africa's current ROC (Joel Greenblatt) % is %. 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 ₦35.74, compared to a current price of ₦41.00 — trading 14.7% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For United Bank for Africa (NSA:UBA), the current ROC (Joel Greenblatt) % is % 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 ₦41.00 is trading 14.7% above its estimated GF Value™ of ₦35.74. GuruFocus considers United Bank for Africa to be Modestly Overvalued.

Key valuation signals for NSA:UBA:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: ₦35.74 vs. price of ₦41.00 (14.7% 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

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₦41.00
Price
₦35.74
GF Value