₦airaland Forum

BabsO2:
With so many loans converted to shares, dividend payments is doable in a year or two. In fact Ellah management are better off embracing a strategy of being seen as a dividend growth business. It will soften the ground for future seeds of expansion. It will make the large volume of shares they currently hold more valuable on the medium term as well as in long term.

Sir,I don't think a year is possible.

SonofElElyonRet:
Then EDUECO will eat his vomit

You don't mean it?

BabsO2:
Ellah will join steady dividends paying stock like PRESCO & Okomu in a year or two.

It should be 7 to 10 years if the management is honest.

leo1234:
You are getting it all wrong.
The men you are calling monkey hunters have access to privileged information than you do.
If you don’t like what Locotrader or Megawealth01 post here, kindly block them and stop pouring sand in my garri.
What will be your benefit if they leave this thread for you alone?
Mind you, I have only Aradel and gtco in my portfolio and don't follow their calls but I am learning from them. Those that followed their calls have nothing to regret. Study them and see what you can learn except you are not here to make money.

Peace ✌

I have known for a long time that the junk stocks monkey hunters make use of the principle of 'herd mentality' !

And this forum is their avenue for enticing and attracting innocent newbies to their targeted stocks. It is the unsuspecting investors that bring the needed demands that lead to a quick increase in price . When the price gets to their target, they start selling to book profit.

Their sole aim of buying most stocks is to pump and dump in order to book quick profit.

They are never long term investors in the companies they are marketing for their monkey hunting business.

I'm ready to keep them out of the illicit business of monkey hunting junk stocks.

emmanuelewumi:
Unilever is listed and belongs to the prestigious NGX 30

I have seen it

I thought Unilever wanted to delist some years ago?

emmanuelewumi:
If you invest in solid dividend growth companies, the dividend growth faster than inflation.

1 million units of Nahco paid a dividend of N2.9 , million last year, same 1 million unit paid a dividend of over N5 million this year

You're right!

It is the same for investors that bought Fidelity Bank for 1 Naira ,WEMA Bank for 50 Kobo,UCAP for 1 Naira and UBA for 4 Naira.

emmanuelewumi:
Presco

United Capital

Okomu

Unilever

FGN 2034 bond

Will all pay dividends and coupons this month of September

The coupons is for the FGN 2034 bond?

Is Unilever still listed in the NGX ?

I call Dividend Stock Investment the 'Invincible Real Estate' !

emmanuelewumi:
I am still buying Presco, Nahco, Zenith, Aradel, GTCO and Okomu


This month of September these wonderful stocks and bonds, will give me a modest dividend and coupons of almost N6 million

I know the Jijo gang will be pained by this your motivational testimony.

As he dey pain them e dey sweet us!

Care4:
Looks like he bought a lot at the top.

I know he bought at the top. But ,99 percentage of the stocks in his current portfolio cannot be compared to Dangote Cement in terms of earning and dividend yield.

Like he stated,he purchased the stocks for the future;and dividend paying stock like Dangote Cement is the best for him. He will be rewarded with dividends and capital appreciation.

The the noise makers and monkey hunters are out again to hoodwink beginner investors.

I'm ever ready to counter every aspersions cast on my personality!

emmanuelewumi:
Access Bank stock price 15 years ago

ACCESSCORP performance is good. That is about 3.5 baggers.

NajibatAde:
Thank you very much. We have started working on it based on your advise

You're welcome.

hallysonia:
This question came right in time.

Currently, all my portfolios except Jaiz are red. Even the Jaiz self has reduced in return.

I have the following (with current return at -2.0% of the total money invested):

ABCTRANS bought at 5.42 - bought because I read a positive new about the company.

ARADEL bought at 528.53 - bought because the value is close to all-time low and based on technical/fundamental analysis

DS bought at 63.62 - bought because it is increasing, but didn't sell because it still has a strong fundamental

JAIZ bank bought at 4.53 - bought because I believe the bank will do well in the future

BUA Cement bought at 178.25 - ought because it is increasing. I didnt realize it was close to all time high

TRANSCORP bought at 52.70 - bought because it has a strong fundamental.

My plan is starting with 1.2million, but I have realized that these would turn into dust if care is not taken. How I wish I had read some previous conversion before making my investment decision.

Pa Emma, I was touched by your statement about "smart people learn from expert experience and those who want to learn from personal experience will suffer the most." Not that I'm learning based on my personal experience, but I can't factor out the fact that a 3 weeks old potential investor like me should be very patient. That I have money does not mean I have to make a wary investment decision.

megawealth2, come to my aid, edakun. You once said something about POVERTY and PROUDNESS. I am not proud o.

Streetinvestor2, nosa2, EDUCO, and others. E help wa.

PS:
1. I am potential investor, not really a trader. Currently running my PhD (Maths and Stat) in graduate school, so I don't have time for daily trading.
2. I am not interested in an interest based banks, breweries industries, gambling/lotto industry as well.

Apology for my brevity in typing..
Ali

Since you are not interested in interest based companies,so UCAP and Nigerian banks are out of the options available to you.

If I were you I will sell every stocks in this your portfolio and invest the proceed in Dangote Cement.

You can never go wrong with Dangote Cement. Dangote Cement has a better earning than BUA cement. Its dividend yield is also better than that of BUA Cement.

emmanuelewumi:
Presco stock price 15 years ago.

This is about 250 baggers.

crownprince2017:
Its so interesting seeing people feeling like the gods of the market.
What will you expect from someone that sold his Ella at 4 just because he believed it will turn back and never return, saying the same thing at 19 even though he regretted for selling at 4.

I wondered how people come here to predict the market they had no control over, I know at 10 you would have told the person that bought at that price the same thing.

A company we are yet to have metrics to value can swing up the way we never imagined if the valuation is more than what the majority are imagining and do the other way round as well when the reality hit the market.

Well, many of you will still eat your words when the price go above 20 like you have done in the past.

Ella is at the point that a news could change everything, people speculating are not stupid.

Every possibility is open here and that is the reality.

Is it that you hate enlightenment?

What is wrong in investors with more than 30 years in the market sharing knowledge and wisdom to newbies like me?

nosa2:
I'm the milder version of me. I like the potential of the company but I know THE JOURNEY IS STILL FAR.

The Twitter interview was very revealing but very few people actually heard what he said . They listened but they didn't hear

7 to 10 years time is not too far.

ppogba:
Thank God you made use of plural .

Indeed, they are not just on the bourse. They are right here in our eyes and noses.

Like I always say, there is nothing wrong in getting your fingers burnt. Just make sure you put the experience in your CV.

You're right

Itzlinda:
The jingles have indeed started in social media.. I see the top happening around December.

I see some Hausa content creators teaching people how to buy stock with 2000 naira

The new era Ololos are already in the Nigerian bourse!

emmanuelewumi:
The only one I can remember of are Dunlop and Oando

I am always lucky to bailout before katakata .
burst. I bailed out before Intercontinental bank, Oceanic bank, Wema Bank, Mutual Benefits Assurance, Union Bank, Skye Bank, Afribank had issues. I sold everything.
I drastically reduced my holdings in First Bank before they had issues

I bailed out of Oando at between N20 and N24 about 12 years ago and never looked back.


It is a fact that a business can't go under overnight, it must have been giving the signs about 2 years ago

What were the signs that made you to sell your holdings in these companies?

Princkez:
+1
Dangote's encounter with Arch Bishop Benson Idahosa 2025
The encounter between Aliko Dangote and Archbishop Benson Idahosa is a well-known story in Nigeria, particularly within Pentecostal Christian circles. It is often cited as a pivotal moment in Dangote's life that propelled him towards his current status as Africa's richest man.
The story, recounted in various ways, generally involves Idahosa, a prominent Pentecostal preacher, needing a seat on a fully booked flight from Benin City to Lagos. Dangote, then a young businessman, reportedly gave up his seat to allow Idahosa and his guest to travel. In return, Idahosa is said to have prophesied that the world would make way for Dangote, and that his business would expand beyond Africa.
While the specific details of the encounter vary slightly across different accounts, the core narrative remains consistent: Dangote's act of generosity towards Idahosa was met with a powerful prophetic blessing that is believed to have played a significant role in his subsequent success. Some versions of the story also highlight Dangote's respectful attitude towards Idahosa, even though Dangote is a Muslim.
Some accounts also mention Dangote supplying cement for free when building one of the largest churches in Nigeria, further emphasizing his connection to Idahosa and his ministry.

What is the name of the church that Dangote supplied cement to free of charge ?

emmanuelewumi:
The market giveth, the market taketh glory be to the name of the stock market.

If one is not careful a portfolio of N500 million filled with junk stocks can turn to N50 million.

Reason why financial institutions don't accept some stocks as collateral security

I think it is because junk stocks lack cash flow in form of yearly dividends.

austinkenneth:
They question then becomes whether they can stomach these losses without going into panic mode.

I think they are capable!

Since they have the mentality that you have not made a loss until you have sold.

emmanuelewumi:
Experience is the best teacher. Smart people learn from other people's experience, average people will want to have a personal experience

They will learn the hard way, unless they have booked profit.

Is unfortunate some were waiting to get 500% before selling.

Agbalowomeri:
But some of them would have lost 50% if they lose another 9/10 tomorrow and Tuesday

These folks who bought at highest price before the reversal of price in a no-dividend paying insurance stocks are the real losers(also known as the bag holders)!

Agbalowomeri:
They are all a one-off devaluation effect

From 2005 to 2022, how many banks have done 2 baggers in 17 years?

Fidelity,Wema,Access,Zenith and GTBANK have done more than 2.5 baggers

Agbalowomeri:
They are all a one-off devaluation effect

From 2005 to 2022, how many banks have done 2 baggers in 17 years?

The dividends have been consistent.

emmanuelewumi:
15 years to 20 years delivery is better

I will send the screenshot when I have access to CSCS online, the network is currently bad

8 to 10 year delivery is still okay.

emmanuelewumi:
I am sorry you don't have a good understanding of the concept of Return on Invested Capital.

The huge liabilities of banks will reduce the ROIC

It is also a highly regulated industry, meaning they can't just increase their fees, interest rates etc

How many banks can actually payout 40% of their EPS as dividends?


By the way, I still have shares of Access, UBA and Zenith

I have a good understanding of ROIC. Most Nigerian premium banks return on invested capital is not less than 10%.And 10% is a good one.

The CBN's regulation is why I still have confidence in the well managed banks.This regulation will prevent them from going bankrupt.

The low payout rate has helped them in growing their shareholder's funds. Their dividend yields are still good despite the low payout rate .

Agbalowomeri:
But banks will not give you the number of baggers these companies will give you

UBA and FIRSTHOLDCO have delivered more than 12 baggers.

Fidelity Bank has delivered more than 20 baggers.

WEMA Bank has delivered more than 40 baggers.

Zenith Bank has delivered more than 5 baggers.

FCMB has delivered more than 4 baggers

GTBANK has delivered more than 2.5 baggers.

emmanuelewumi:
How many banks can deliver a return on Invested capital of 30%, None. We have some non banking stocks delivering return on Invested capital of 50% to 60%.

Some businesses are making accounting profits while some are creating wealth the produce EVA Economic Value Added, such business generate economic profits.

Majority of these companies making 50 to 60 % on invested capital their dividend yield in most cases is not better than the dividend yields for banks like Zenith, GTBANK, Access,UBA and Fidelity.

The same companies still depend on Nigerian premium banks for loans.Most state government in Nigeria still depend on Nigerian banks for loans.The Nigerian banks are directly or indirectly running the economy. There can never be a growing Nigerian economy without the premium banks.

emmanuelewumi:
Looking at NGX in last 25 years, the real wealth creators are not the banking stocks with the exception of GTCO and Zenith Bank

I agree with you that banking stocks are cheap, but long term wealth creation is not just about cheapness but ability to continuously deliver a return on Invested capital of over 20% or the average inflation rate in the country and an earning growth that is above average

From 2014 to 2025 in my dividend stocks portfolio;ACCESSCORP, Zenith Bank and UBA have never failed in paying me good dividends for every financial year. To me,this is wealth creation. And I have been investing like 80 to 90 percent of the paid dividends back to my dividend portfolio.

I also have another portfolio for trading(aka portfolio reshuffling). This portfolio also give me a minimum of 5% every month. In this portfolio,I only buy and sell only 1 dividend stock at a time. In most cases the dividend stocks are banks.

From the above,you can see I have been creating wealth for myself mainly through banking stocks!

My question is: is there any state in Nigeria that you will not find Zenith Bank, Access Bank,UBA, GTBANK and First Bank?