₦airaland Forum

WritterNg:
⚡Trump:

Putin is a tough guy. He fooled a lot of people. Clinton, Bush, Obama, Biden but not me.

Mankind2024:
Copied

Didier Drogba, the former Chelsea striker went on a vacation at a luxurious beach hotel. He noticed all manner of luxurious cars coming in with billionaires to attend seminars.

These seminars include topics like.

1. How to build generational wealth

2. Understanding African Economics Climates

3. How to take advantage of the social media to build a lasting brand.

4. Etc.

These billionaires pay thousands of US dollars to attend this training. Drogba begins to wonder, why are they coming to take this training of a few hours to a few days?. To quench his curiosity, he approached one of the Arabia billionaires and asked "sir, you are already a billionaire, what do you need all these training for?" The billionaire answered, "I recognize you, you are Drogba, the former Super Chelsea striker, do you stop training because of the former goals you scored?" It became clearer! The rich keep learning and improving themselves to manage and grow their wealth, but the poor minded fellows wouldn't see a reason for fresh ideas. Every year, Dangote, Tony Elumelu and all the billionaires you know go for courses. I heard one big business mogul in Nigeria said he spent $100,000 for a special one-week course with a Harvard professor. They can't be at the top of their game without keeping abreast with recent knowledge. The brain you water grows greener.

- Amaechi Prince Chekwy

I totally agree with you bro.
I adopted this strategy long time ago due to the industry I am in.
Virtually every year, I am always renewing/upgrading one certificate or doing another course.
Initially, I wasn't happy doing that because I see it as a waste of scarce resources or money but overtime, it has paid off and I now appreciate it.
Reason why I spend a lot of money upgrading myself stockwise both for fundamental and technical analysis.
I have spent over $1,500 on courses and I am not stopping anytime soon.
I penned down other courses I will buy/do or attend after am through with the ones am doing.
Knowledge is light, Knowledge is Power.
With knowledge comes confidence and I can trade stocks with more confidence now than before unless I am just in my lazy mode to do the analysis.

SohSoh:
Did you read this news article ... a company can couldn't repay or manage 940 million loan... is seeking 250billion

They should issue commercial paper least see if they can repay since company like Dangote, Fidson, Mecure industries are all issuing commercial paper Ellah Lakes should issue commercial paper ....

Why commercial paper? You raise CP for working capital payable less than a year.. mostly 270 days.
You need capital for many reasons and a short term capital raise is not suitable for long term repayment method.
Why go for CP when you can go for bank long term loan like 5 years?
And why go for bank long term 5 years that would be breathing down on you to payback interest with principal monthly while you can raise the same capital via equity with less pressure.
The aim and objectives of capital use determine which route you will use to raise cash.

WritterNg:
⚡The UK will provide Ukraine with 5,000 anti-aircraft missiles under a $3.4 billion loan, repayable in 19 years.

These people just want to put Ukraine in a debt their 5th generations won't be able to finish paying.
What a country, what a president.
5,000 anti-aircraft missiles that would be blown off within 1 year

0ubenji:
Please don't forget to let me know when you've fixed a date for your comedy show. You do have a lot of potential and will need all the organic support you can get.

When a boy is heartbroken, He finds another woman.

But when a man is heartbroken, He finds himself.

No one is coming,
To push you.

No one is coming,
To turn your TV off.

No one is coming,
To force you to work out.

No one is coming,
To stop you from scrolling your phone.

This life is 100% your responsibility.

emmaodet:
The loudest man in the room is usually the weakest.
Real men let their discipline not their wallet, speak for them.
Flashing money invites attention you don’t need.
You need silence, which builds security you’ll never lose.

Real power doesn’t need to be proven.
The quieter you keep it, the safer it stays.
Money loves silence.
Let them underestimate you.
Flash it and you feed egos, not futures.
Move like you’re broke.
You’ll thank yourself later.

The loudest man in the room is usually the weakest.
Real men let their discipline not their wallet, speak for them.
Flashing money invites attention you don’t need.
You need silence, which builds security you’ll never lose.

emmaodet:
Some men wake up at 18.

Some don’t wake up until life breaks them at 30.

Most… never wake up at all.

Son, no one’s coming.

- Not your friends.
- Not your parents.
- Not the system.

It’s just you your pain, your dreams, and your choices.

So wake up early.

- Fix your wallet.
- Fix your body.
- Fix your mind.

Because if you don’t fight for your life…

No one else will.

As copied

The world doesn’t hand out wake-up calls.
It sends pain. Silence. Consequences.

Some get the message young.
Others bleed for years before they see it.
Most die with their eyes open, yet asleep.

No rescues. No shortcuts.
Just your habits… or your excuses.

Fix the man in the mirror.
Or fall with the rest.

Some men wake up at 18.

Some don’t wake up until life breaks them at 30.

Most… never wake up at all.

Son, no one’s coming.

- Not your friends.
- Not your parents.
- Not the system.

It’s just you your pain, your dreams, and your choices.

So wake up early.

- Fix your wallet.
- Fix your body.
- Fix your mind.

Because if you don’t fight for your life…

No one else will.

As copied

SS1 Student Allegedly Buys a Benz; His Father Tells Him to Return It, but Friends Urge Him to Ignore the Advice

End time friends.
I don't even know where the world is heading to.

SmartInsure:
https://x.com/naijaticker

What index are they using to calculate the fear index?

KarlTom:
Sold DEAPCAP & CADBURY today at +10%.
I forsee a slight drop in ELLAH and CADBURY before Friday

Every mallam to his kettle...

Just 10% gain? is that not too small?

Debt turns problems into catastrophes.

Cash turns problems into opportunities

Sunrisepebble:
e ku market .

Yes sir

megawealth01:
Here’s a comprehensive update on PZ Cussons Nigeria Plc’s 2025 financial performance through the fiscal year ending May 31, 2025:


---

📊 FY2025 Summary (Year ended May 31, 2025)

Metric FY 2025 % Change YoY

Revenue ₦212.63 bn +40%
Operating Profit ₦17.31 bn Reversal from ₦127.43 bn loss
Profit Before Tax (PBT) ₦16.86 bn
Profit After Tax (PAT) ₦5.54 bn Reversal from ₦76.02 bn loss
Basic & Diluted EPS ₦1.00 per share* vs ₦‑19 in prior year
Shares Outstanding 3.97 bn


*EPS based on ₦5.64 bn PAT over 3.97 bn shares: ₦5,643 m ÷ 3,970 m ≈ ₦1.42, but rounded to ₦1.00 in official disclosure.


---

📅 Quarterly Highlights (FY 2025)

Q2 (H1 ended Nov 30, 2024): Returned to profitability post-heavy FX losses; specifics in interim report .

Q3 (Nine-months ended Feb 28, 2025): Continued strong performance; firm posted ₦28.08 bn PAT and recorded Q3 revenue of ₦196.03 bn .

Q4 (Year-end): Group PAT of ₦5.54 bn for the year, driven by Q4 turnaround (after earlier losses) .



---

📌 Insights & Analysis

1. Major Turnaround: From a ₦76 bn net loss in FY2024 to a ₦5.5 bn profit in FY2025—driven by improved operations and reduced foreign exchange losses .


2. Steady Revenue Growth: A strong +40% increase shows robust market demand and pricing strategy in Nigeria .


3. Profit Concentrated in H2: Q3 and Q4 performance overcame early-year loss, reflected in growing quarterly profitability.




---

✅ Summary

EPS FY 2025: ~₦1.00–₦1.42, a sharp positive shift from last year's negative earnings.

Revenue: ₦212.6 bn; PAT: ₦5.54 bn.

Key drivers: Cost control, FX stability, and operational recovery.

You are doing well.

Let me check them out and add my little jara

emmanuelewumi:
Nice one

ROIC of 10? thought you always prefer and work with 20% and above

SonofElElyonRet:
Human beans like to fear.
Sorry I couldn't resist the "temptation"

My brother, my hand as typing faster than my brain ni

fashionnisir:
as these commerced , or when is the date it will start, make dem no take person unaware.

Not yet.
In the meantime, based on my valuation, Japaul should rise to #3.20 region after releasing there H1/25 result if my estimated revenue of 5.6b is met and TTM earnings of 1.6b.
They have been doing well in the last 3 Quarters declaring profit, though more needs to be done in there OCF.
But after the 100b dilution, they will need to grow there EPS by 600% to breakeven for investors.
How good and far the management would be able to make good use of the capital is what we will see.
Current market cap = 2.7 x 14.3b shares = #38.6b
Final Market cap = #38.6b/100b shares = #0.39 = 39k
They plan to do shares reconstruction immediately to avoid uproar....so we may see a 3 to 1 construction to bring the price above #1 to #1.2 per share. But that is just share price cosmetic approach. EPS is down by 600%.
As a rule of thumb for me, revenue and earnings growth rate must be higher than dilution rate to give returns to investors.
Revenue has been growing at an average of 200% in the last 3 quarters, so dilution of 100% should have been not more than 30b shares but since it seems they want to expand and it will bring value in the long run, then it should be worth the pain.
How long will they be able to return 600% eps is another thing...1 year or 5 years?
Based on historical returns, Japaul ROIC max has been 8%.
If they are to put the future raised capital of 500b into use...let's say 450b out of it while 50b in cash and equivalent, retain earnings or whatever, that will be 40b profit from invested 450b capital.
Debt to equity is 40% but with the raise capital, it should go down to 10% atleast......So we may be looking at around 30b profit as equity to shareholders.
2024 retention ratio is 65%....So a payout ratio of 35% = 11.5b divided by 100b shares....11.5k per shares dividends based of my rough estimation of Next twelve month after dilution.

SonofElElyonRet:
Investors have known about this for a while

It is well.
Just checked their fincials today to see if i can go in but will stay it out for now.

christejames:
Make person no do mistake come dey fall in love with him fellow guy ooo

.....
Na wa oo with this 40 characters
xvcbmcckhxjgys

megawealth01:

Bro, this no be laughing matter oo.
i expected their share price to rice to around #3.2 from #2.7 after the H1/25 result due to the estimated revenue and net profit but with this coming dilution....Damn!!!!!!
For the past 3 quarters, it seems they have been putting their house in order....raise revenue and coming into profit despite the cashflow statement still not impressive but with this?
Damn......
I won't be surprised to see a massive full offer tomorrow with no buyer at the horrizon.

Japaul diluted their shares from 4b in december to 14.2b shares and now wants to dilute it more to 100b shares.
That is craze.
It will turn the share price from #2.7 to 39 kobo.
To even think their expected TTM revenue by this month would be around 5.43b and with an estimated net margin of 30%, the net profit should be around 1.6b.
Dividing that by 100 ordinary shares would render the EPS useless. That is 2 kobo eps...Omohh
I know they need money, they are broke.
Just 300m in cash and cash equivalent and seriously burning money in FCF but damn....14b to 100b shares is craze unless the are raising that money to acquire a currently functioning and profit generating company, if not, i wash my hands comot.

Kipaji:
Miserable and dangerous. Everybody distrust everybody and everything. We don't have a society here (at least in the main urban areas), just a bunch people that happen to live in the same area (with zero trust). Most people divert towards compromising and illegal ways to make a living. I observe that a lot of Cameroonian have turn into zombies. I fear that we are at the brink of an implosion.
But still, there's hope. Presidential elections come in October. Hopefully, we'll get a new national leadership that can stimulate a bold dynamic that will foster growth, well-being, Africanity and security in this country.

What you described in not unusual or uncommon....it is happening here in Nigeria too and virtually all round the world.
I think it is the second or third stage of capitalism.

Kipaji:
This is one of the truths that turn a boy into a man.

Yes bro.

How is Cameroun?

An unsuccessful woman still gets treated like a woman.

An uneducated woman still gets treated like a woman.

A broke woman still gets treated like a woman.

But an unsuccessful, uneducated, and broke man? Nobody cares if he dies or lives.

Locotrader:
Pa Emma is around 60 years
Agba 53 years
Peter 50 years
Streetinvestor 47
Mercy
Loco is 45 years
Ositadinma 40 years
Emmaodet 35

Na wa ooo, make I add my own Age Analysis as per Agba.
Median age of population observed -
Rearranging ages in ascending order -
35,40,45,47,50,53 and 60.
Median is 47.
Mean of the Age = Sum of total ages / observed population of 7 = 330/7 = 47.1i
Which means the average age of nsempa members in this forum s 47 years.
Standard deviation is 8.3
Which means 1 standard deviation - 8.3 + 47.1 = 55.4 years at the upper band and
47.1 - 8.3 = 38.9 at the lower band.
From the original data: 35, 40, 45, 47, 50, 53, 60 The values that fall within [38.87, 55.41] are:
40, 45, 47, 50, 53
That’s 5 out of 7 values, or about 71.4% of nsempa members age fall into this bracket — which aligns well with the empirical rule (about 68% of data falls within 1 standard deviation in a normal distribution).
The 7 period average true range = Pa Emma (60) - Emmaodet (35) = 25 which is the average age range on this group.
The group is experiencing a bearish candle opening at 60 and closing at 35.
The 3 age-period simple moving average is 60 + 53 + 50 / 3 = 54.3.
Doing it till the 7th age period will give 54.3, 50, 47.3, 44, 40. It shows the SMA trend line is declining and bearish.
You can get your RSI, ADX and many more indicators from these observations.
Let me leave the remaing for Agba ichimoku, Ositadinma Price-volume profile, Purist ABCD pattern and elliot wave etc

PETERiCHY:
LOCO have MERCY on those in Cileasing BOAT ⛵, if you REALLY want it to MOVE. you know exactly WHAT to DO.

BARGAIN HUNTERS TAKE NOTE!

Chaii

Say Loco na jonah make him come down from the boat.
As loco commot for our Ellah Lakes boat, i don see over 200% profit.