United Bank for Africa (NSA:UBA) Shareholder Yield % : -1.99% (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 Shareholder Yield %?

United Bank for Africa NSA:UBA +1.92% 77 Shareholder Yield % is -1.99% 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 1,503 Banks companies, United Bank for Africa ranks worse than 64.4% on this metric.

Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return. As of today, United Bank for Africa's Shareholder Yield % was -1.99%.


United Bank for Africa  (NSA:UBA) Shareholder Yield % Explanation

Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."

Shareholder Yield % is calculated by three components: Dividend Yield %, Buyback Yield %, and Net Debt Paydown Yield %.

Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.

Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.


United Bank for Africa Shareholder Yield % Related Terms


United Bank for Africa Shareholder Yield % Historical Data

* Premium members only.

The historical data trend for United Bank for Africa's Shareholder Yield % 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 Shareholder Yield % Chart

United Bank for Africa Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Shareholder Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 53.49 41.44 -18.47 -34.29 5.29

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
Shareholder Yield % 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 -34.29 -21.72 4.96 16.09 5.29

NSA:UBA vs JPM, BAC, WFC: Shareholder Yield % Comparison

For the Banks - Diversified subindustry, United Bank for Africa's Shareholder Yield %, along with its competitors' market caps and Shareholder Yield % 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 Shareholder Yield % vs Banks Industry

For the Banks industry and Financial Services sector, United Bank for Africa's Shareholder Yield % distribution charts can be found below:

* The bar in red indicates where United Bank for Africa's Shareholder Yield % falls into.


NSA:UBA
77GF Score
United Bank for Africa PLC NSA:UBA
Shareholder Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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United Bank for Africa Shareholder Yield % Calculation

United Bank for Africa's Shareholder Yield % for the quarter that ended in Dec. 2025 is calculated as:

Shareholder Yield %=Dividend Yield %+Buyback Yield %+Net Debt Paydown Yield %
=7.80 %+-21.13 %+18.62 %
=5.29 %

* 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.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

Frequently Asked Questions Learn more about Shareholder Yield % →
What does a Shareholder Yield % of -1.99% mean?
United Bank for Africa (NSA:UBA) has a Shareholder Yield % of -1.99% as of Dec. 2025. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on United Bank for Africa and its competitors. According to the industry distribution chart, United Bank for Africa ranks #968 out of 1503 companies in the Banks industry, placing it in the top 64.4%.
Is United Bank for Africa's Shareholder Yield % too high?
United Bank for Africa's current Shareholder Yield % is -1.99%. Based on the distribution chart, United Bank for Africa ranks #968 out of 1503 companies in the Banks industry, which is below 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 Shareholder Yield % compare to JPM and BAC?
According to the Banks industry distribution chart, United Bank for Africa ranks #968 out of 1503 companies for Shareholder Yield %. This places United Bank for Africa in the lower half of its industry. The industry median Shareholder Yield % is 1.58. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Shareholder Yield % for a Banks company?
The median Shareholder Yield % among Banks companies is 1.58, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a Shareholder Yield % significantly above this median, while those in the bottom quartile fall well below. However, Shareholder Yield % 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 Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on United Bank for Africa and its competitors. For the Banks industry, the median Shareholder Yield % is 1.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bank for Africa's current Shareholder Yield % is -1.99%. 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 Shareholder Yield % is -1.99%. 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 Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For United Bank for Africa (NSA:UBA), the current Shareholder Yield % is -1.99% 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:

  • Shareholder Yield %: -1.99%
  • 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

Shareholder Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₦39.85
Price
₦35.30
GF Value