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Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. United Bank for Africa's selling, general, & admin. expense for the
three
months ended in Dec. 2025 was ₦-15,077 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Dec. 2025 was ₦24,818 Mil.
United Bank for Africa (NSA:UBA) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
United Bank for Africa Selling, General, & Admin. Expense Related Terms
United Bank for Africa Selling, General, & Admin. Expense Historical Data
* Premium members only.
The historical data trend for United Bank for Africa's Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense Chart
NSA:UBA vs JPM, BAC, WFC: Selling, General, & Admin. Expense Comparison
For the Banks - Diversified subindustry, United Bank for Africa's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry
For the Banks industry and Financial Services sector, United Bank for Africa's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where United Bank for Africa's Selling, General, & Admin. Expense falls into.
United Bank for Africa Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
Selling, General, & Admin. Expense 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 ₦24,818 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.
What does a Selling, General, & Admin. Expense of ₦24,818 Mil mean?
United Bank for Africa (NSA:UBA) has a Selling, General, & Admin. Expense of ₦24,818 Mil as of Dec. 2025. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on United Bank for Africa and its competitors.
Is United Bank for Africa's Selling, General, & Admin. Expense too high?
United Bank for Africa's current Selling, General, & Admin. Expense is ₦24,818 Mil. 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 Selling, General, & Admin. Expense compare to JPM and BAC?
United Bank for Africa's Selling, General, & Admin. Expense of ₦24,818 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on United Bank for Africa and its competitors. United Bank for Africa's current Selling, General, & Admin. Expense is ₦24,818 Mil. 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 ₦36.18, compared to a current price of ₦41.00 — trading 13.3% above its estimated fair value. The current Selling, General, & Admin. Expense is ₦24,818 Mil. 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 Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For United Bank for Africa (NSA:UBA), the current Selling, General, & Admin. Expense is ₦24,818 Mil 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 13.3% above its estimated GF Value™ of ₦36.18.
GuruFocus considers United Bank for Africa to be Modestly Overvalued.
Key valuation signals for NSA:UBA:
Selling, General, & Admin. Expense: ₦24,818 Mil
GF Value™: ₦36.18 vs. price of ₦41.00 (13.3% above fair value)
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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Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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