Foxxymobile Street Insider | Winners vs Losers — UBA’s Half-Year Heat
Winners
UBA (₦1.608trn Gross Earnings | ₦335bn PAT) * Revenue firepower: +17% YoY gross earnings. * Interest income turbo: +33% to ₦1.33trn. * Balance sheet flex: Assets ₦33.3trn (+10%), Deposits ₦27.6trn (+12%). * Shareholder edge: PAT at ₦335bn, still climbing. * Capital raise momentum: Phase I rights issue , more ammo ahead of CBN’s ₦500bn tier-1 target. * Street Call: UBA keeps widening its moat across 20 African markets + NY, London, Paris, Dubai.
Losers
Short-term skeptics betting against UBA’s recap run. * Even with only +6% PAT growth, topline velocity + digital expansion story outweighs the drag. * Those fading African scale + cross-border play risk missing the longer compounding curve.
Tape Take: UBA isn’t just surviving 2025’s macro stress — it’s flexing. Recap race is real, but momentum says UBA’s gunning for the finish line with muscle.
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42 days agoFoxxymobile Street Insider | Winners vs Losers — UBA’s Half-Year Heat
Winners
UBA (₦1.608trn Gross Earnings | ₦335bn PAT)
* Revenue firepower: +17% YoY gross earnings.
* Interest income turbo: +33% to ₦1.33trn.
* Balance sheet flex: Assets ₦33.3trn (+10%), Deposits ₦27.6trn (+12%).
* Shareholder edge: PAT at ₦335bn, still climbing.
* Capital raise momentum: Phase I rights issue , more ammo ahead of CBN’s ₦500bn tier-1 target.
* Street Call: UBA keeps widening its moat across 20 African markets + NY, London, Paris, Dubai.
Losers
Short-term skeptics betting against UBA’s recap run.
* Even with only +6% PAT growth, topline velocity + digital expansion story outweighs the drag.
* Those fading African scale + cross-border play risk missing the longer compounding curve.
Tape Take:
UBA isn’t just surviving 2025’s macro stress — it’s flexing. Recap race is real, but momentum says UBA’s gunning for the finish line with muscle.