₦airaland Forum

Raider76:
How low will GTCO go? Currently below 89.

I am looking at around 50-70

KarlTom:
OandO

https://doclib.ngxgroup.com/Financial_NewsDocs/45329_OANDO_PLC-_QUARTER_3_-_FINANCIAL_STATEMENT_FOR_2025_FINANCIAL_STATEMENTS_OCTOBER_2025.pdf

POSITIVE ADMIN EXPENSE of ₦30,860bn?
FINANCE INCOME ₦209.7bn
Q3 EPS ₦11

Abrakadabra

Real abrakadabra.
The cooking is very very visible.
Oando has not been generating profits from her core operations for a very very long time. The operating cash flow.
SO trying to deceive people with a padded income statement won't fly.
Companies like Oando, you need to discard the EPS or financial statement and focus more on their cashflow statement to uncover their motives.

Agbalowomeri:
Are you now proposing a communist state?

My brother, any one that will favour us be it communist, socialist or fascist.

Agbalowomeri:
Recalibration don finish

Una go average down tire

Chaii

pluto09:
I think our people need to pay more attention to our budget.
We have a national budget the government is working on.
The budget has a deficit of about N13 trillion which is to be financed by domestic and external borrowing.
That is to say that even if we meet our revenue target,we will still have a shortfall of about N13 trillion.
I sincerely don't know how you think a stabilisation fund of about $3 billion is what should be used to finance a year budget deficit of about N13 trillion.
We still need a long way to go, the money we are generating as a country is still very low in relation to our population.

Then the logical thing to do is to cut down cost, reduce political cabinets and place a cap on number of kids families can have to increase our economic situation.
Who spends more than what they earn as individuals and which companies spend more than what they can reasonably generate.
Even the china we hail today had to place a cap on population for economic indices to grow above it, if not it would have rendered all china govt efforts useless.
A country becomes wealthy if the economic growth rate is higher than population growth rate and not the other way round.

goran3310:
Women in general get married expecting a man to fix their life and their mistakes. To fill in their shortcomings.
That’s not a problem if the woman is 20–24 years old.
But with every passing year, those problems and shortcomings grow. A woman over 40 has her whole life behind her — a life full of traumas, disappointments, failures, frustrations. She dumps all of that in front of a man and expects him to solve it. That’s completely wrong.

Watch this couple over time — in at most two years, everything will fall apart.
A man enters a relationship or marriage to start a family and have children. To make a woman happy and to be happy himself in that marriage.
Yes — we men also want to be happy. Unbelievable, isn’t it?

A woman over 30 already has difficulties conceiving, and those over 40 have very small, almost negligible chances.
I honestly don’t know what an ordinary woman in her 40s or 50s can offer me — unless she possesses some truly exceptional qualities.

Goran ....you like firing too many bullets bro

yMcy56:
Foreign Investors Increased participation in NGX
** Good thing is that: Local participation still accounts for around 80%

https://nairametrics.com/2025/10/28/foreign-investors-buy-over-n1-trillion-nigerian-stocks-in-nine-months/?

Just curious. How do they get to know the foreign investors from the local ones? is the the type of account we operate? Probably foreign investors registered and trades with dom account? to identify them?

Agbalowomeri:
People will just kuku move to fixed deposit

Or foreign stocks and be earning dollars.
I don't know the issue with this Tax master

crownprince2017:
I can see your pure mind but that guy you are engaging is soaked in emotions n ego, he can never understand you. He will always fight to win arguments. He will never learn.

Better leave him.

The same glorified microfinance bank is over 200% gain and still counting in my portfolio.

I have 11 stocks like 8 have done over 100%.

You are doing well my brother.

Agba Awo....Twuale..... Bros show your boys way now

Streetinvestor2:
Na who wan buy
I just dey reason watin fit happen to that ASi after the release of all q3 results. Look at the good results released that it didn't do much.
Now foreign investors will be sitting on the fence till they understand this government economy management for next yr.
Na so I take hang for total with no hope again with what I am seeing

I think some of these results have been priced in before releasing them.

emmanuelewumi:
The extraordinary profit of last year was a one off thing.

Yet federal government of Nigeria got more than 50% of the huge profit based on forex gain

CBN did not talk about foreberance loans when the banks made the huge profit in 2024.


Now in 2025 when banks can't repeat last years performance, they now remember the foreberance loans given to the banks

If this was done last year banks would have used part of their bumper profit to pay down the loan.


If you want loan term wealth and value creation on NGX, please look beyond banking stocks

Banking stocks are only good for predictable dividend income

At the bolded is true.
Noticed banks stocks won't appreciate your portfolio at a good rate unlike other sectors.
Even in term of dividends, i still prefer Nahco and wapco to banks because they pay better and have a better chance of appreciating due to a higher P/E ratio.

Agbalowomeri:
But that was expected
If they can maintain a full year EPS of 15-20 and pay dividends N5-6 that should be good.
Ultimate, I expect banks to trend down from here

You know banks have low P/E around 2. So an EPS of 20 means #40 at P/E of 2x plus dividends, the price may rise to #50 per share which is a far cry from the current circa 90 it is now.

JESHAL007:
Elon Musk uses loans and subsidies he would soon be a trillioniare in dollars, every Average America and Chinese are accustomed to loans via credit card, student loan, it's already part of their culture, that is how money is created by borrowing it into existence, but Nigerians believe in God to solve their problems instead of holding government accountable to create a debt culture conducive for economic growth, every one should be in debt directly ,the richest and the poorest, debt must become part of our daily routine, our way of life, our culture, it should not be seen as negative or curse

2. Is interest rate. A society that wants to flourish on looks as to make it attractive. Should be single digit and not more than 5% per annum.
Inflation rate less than 10 and interest rate around 5 will increase citizens appetite for sweet and cheap loans that are easy to get and easy and convenient to pay back.
You don't want to buy a house for 20m to pay back 75m in 20 years. It will lead to people avoiding the loan and doing the house small small to avoid financial slavery

JESHAL007:
Elon Musk uses loans and subsidiaries he would soon be a trillioniare in dollars, every Average America and Chinese are accustomed to loans via credit card, student loan, it's already part of their culture, that is how money is created by borrowing it into existence, but Nigerians believe in God to solve their problems instead of holding government accountable to create a debt culture conducive for economic growth, every one should be in debt directly ,the richest and the poorest, debt must become part of our daily routine, our way of life, our culture, it should not be seen as negative or curse

I think it boils down to 2 factors -
1. Historically and traditionally, we run a cash-based society. You have to do virtually everything by using physical cash made by sweat and hard manual labor. You want to buy a car? you have to save for months, do cooperative or ajo and take numbers to pack your own when e reach your turn.
For buying a land, building etc. virtually everything.
It is one of the reasons our society or cities or buildings are not beautiful unlike abroad because person collect ajo today roof one side of his house and waiting for another 12 months before doing burglary, then use him wife wrapper take cover the window.
You see houses looking shabbily because both the government, private sector and individuals have not cultivated the habit of using debts to run the society.
Build low cost housings that are complete, all look same and beautiful and give it out spread payable in 20 years and you will see a more organized, well planed beautiful cities. That is urban/town planning.

KennethIbe59:
@JESHAL007 WHAT'S YOUR ADVICE ON This sir

It is a young relationship, so i will say give her more time.
It is not good to bolt out of a relationship at the slightest excuse. It is good to put in good effort to make things work before writing it off if not yielding.
You can't keep blaming others for things not working when you are regularly changing partners. Relationship needs time, effort and investment too.
That by the side, you are 35 and she is 27 so what do you really need? a fling or serious relationship leading to somewhere?
Also, you wrote that you lodged in a hotel just to sleep with her. Does it mean you are still struggling and don't have your own apartment for now? still squatting with someone? or your apartment is not decent enough to use or the environment? which may signal a man not ready for serious relation at that age.

JESHAL007:
Madness and insanity is the norm, I understand the place of religion and superstitious believe in humans but how can you grow your economy without credit/debt/ liquidity, it's crazy, it can't happen, I remember bishop David Oyedepo was saying that he has never borrowed since he began his ministry, that winners was built loan free, these defies all logic and creates an aura of mystery around money that preys on gullible Nigerians that don't have any awareness at all, fine he might not have sourced money from banks and other lenders which is ok because he's not going to repay back anything, but the fiat money in circulation is issued when IOUs are created backed by nothing tangible but debt, fiat money itself is debt, no money is created out of thin air without borrowing it into existence, he's just leading people astray and solidifying their archaic financial traditional beliefs of work hard, save money, how can you expand fast and increase exponentially without debt, with your hard earned equity ( savings), it's impossible now, we need a cultural and religious narrative to liberate Nigerians from the shackles of these men of God who know nothing about economy but selling miraculous turnaround as strategies to combat poverty, inflation, unemployment and other economic woes, it's just pathetic, coupled with our low IQ, add superstitious beliefs again, many Nigerians are misled about the concept of debt, they don't understand it at all that's why they hate it with passion, they see debt as negative or evil in their life's , I laugh in Spanish, if only they know that they are chronic debtors under every government indirectly who borrow on their behalf, they would sharpen up

Nice write-up bro.
It is more of awareness and education. I believe the upcoming generation would do far better than our own parents.

emmaodet:
A woman values loyalty only when it comes from a man other women want.

She doesn’t want a loyal man ,she wants a man worth being loyal to.

A woman's sense of security often comes from knowing her partner is with her by choice, not by obligation. It's about feeling valued and desired.

A woman values loyalty only when it comes from a man other women want.

She doesn’t want a loyal man ,she wants a man worth being loyal to.

JESHAL007:
Baba we are all chronic debtors because of accumulating national debts which must be serviced with Tinubu new taxation bills

The earlier we start getting used to debt/loans use, the better for the continent.
I understand people fear what they don't know or have skills about.
I will suggest they take a course or watch a lot of YouTube videos on how to use a debt to their advantage.
2/3 years ago, I would have called trading stocks a gamble but after enrolling in stock analyzing and valuation course running to 2m, my confidence has increased and I now trade far better and have made a good profit trading it.
People fear what they don't know.
With my little experience on stock trading, I will never call trading crypto or forex a gamble because what you don't know, you tend to dear it and rubbish it as gamble.

JESHAL007:
Everybody is a debtor
You and I are debtors
Dangote is a debtor
Your father is a debtor
Governments are borrowing on behalf of you and it affects you

You can't really go that far without using other people's money.
How much do you have enough to expand? When you are neither a sport man earning a lot of major drug pusher

Agbalowomeri:
Na was o so we are still not up to that 84

Agba, what is your opinion about the release Gtb Q3?

The EPS declined alot. From 38 to 20.7. Even after using the old OS, i arrived at 25 per share.
The reduction in "other income" was massive.

Streetinvestor2:
The poverty they are sharing will soon touch all both the financial smart or blind.

I hope it is not what one moniker here keep shouting,...
Dark is coming
Very soon q3 results will be over with no impact which is not suppose to be so.Many jijo here go first close shop and understand what bad economy means

God forbid Street.
This one you dey shout poverty up and down so bro, no come raise people BP oooo
Afflictions shall never happen the second time

Streetinvestor2:
U happen to be on ngx and making paper profit while majority of small/medium businesses are closing shop because of bad economy. U ser ur self as being smart.
The signs are already present itself on ngx if u have eyes
The poverty they are sharing is about to go round

Street Investor my main man

Life humbles men, time humbles women.

Life forces men to grind or die.

Time forces women to face the reality of their choices.

One learns discipline through pain.

The other learns regret through time.

Lalami3232:
Now imagine that of non-virgin women . If only most of you know the numbers of thrust wey your darling "wife/partner" don receive before you finally privatized her, you go rush to DNA center. A wise man once said, if only most children know the number of men wey don suck their mama breast, they go prefer pap

What do I even know sef aside enlightening my fellow men nationwide with the good news of DNA test

Gerrard59:
Most billionaires are in debt, including Dangote and Elon Musk. No billionaire is without debt. The goal is to service the debts consistently in the best-managed form. No business grows without leverage which is known as debt.

Nigerians don't know entrepreneurship walai!

We fear debt like kilode and try to avoid it.
I guess because we are mostly bad managers and very poor in paying back debts to even family and friends we do owe

Gerrard59:
E no dey always pass say your parents had more children than they could take care of all in the name of cHiLdReN aRe bLeSsInGs fRoM gOd🙄

WriteerNg:
⚡Russia Donates Military Equipments & Boats To Uganda.

We want development in Africa and not weapons nitori Olohun.
Africa is in dire need of development. Huge huge ones like what china is doing - bridges, stadiums, hospitals, dams, airports etc

WriteerNg:
⚡Trump:

General MacArthur wrote the Japanese Constitution all by himself.

Trump:

General MacArthur wrote the Japanese Constitution all by himself. pic.twitter.com/yKirZRPX3H

— Clash Report (@clashreport) October 28, 2025

Just imagine what he is saying publicly shamelessly that they wrote the constitution for Japan to use.
Literarily, Japan is not a sovereign state that they need to write how she runs and governs her own state for her.
This is not independence rather colonialism

pansophist:
Typical Gen Z.

Usually fine. Skin care on point. Backside well-endowed. Probably have a degree, handwork or both.

But let her just open her mouth. And every single attraction, adoration and honour disappears.

Those wey get better women no know wetin God do for them.

emmanuelewumi:
It is possible.

We are now a net exporter compared to what was obtainable 2 years ago.

So we should expect the local currency to continue to do well

Well, na to dey do prayer and fasting make Tinubu them over-borrow Nigerians future to render and net export invalid be that.
Awa kan wa leyin ibaje, na ibaje de give us cash pass

courage89:
How is dollar revaluation to sub 1000 naira to $1 equates to bankruptcy?

My brother, kole ye e.
Na dollar I dey earn, moving downward is not in my best interest.