₦airaland Forum

megawealth01:
Over to Mr TIME be that

Let's see how it goes.

I checked it's historical P/E and the max she did was in 2023 - 11.4
If she tries to make that again, we may see it at #6.
So there is a price band of #3 to #6

megawealth01:
Nigeria Police Microfinance Bank is undervalued at 1.89k.

If you are interested in anything Microfinance just get a slice of NPF BANK.


This is my 6th STOCK PICK for 2025

DYOR

Checked their financials...they made 17k eps in Q1/25 which will give around forecasted FY25 eps of 68k.
The highest P/E in the banking industry is fidelity bank which is 4.
Using that, NPF should be around #2.4 max unless she continues growing her earnings.

0neal:
You are wrong!


Stay away from Alcohol and Marijuana/weed

The long term harm it will do to the brain is not worth it.

Alcohol and drugs shrink the brain.

Please reply

Trustedpronet:
You! can you invest 10knaira in Remo Stars? Put your money where your mouth is. Even if Joshua invested that amount you mentioned, it will still be looted amongst the Remo management.

Dividends Payment for May, 2025

Agbalowomeri:
Loco has moved to photoanalytics

franchasng:
Mumu boys; as if they can afford wheelbarrow tyre



How is Honda Accord 2009/2010 cheap?


He even foolishly called it "Eagle Spirit" instead of "Evil Spirit".



No car is cheap again in Nigeria under Bola Tinubu's regime.


So to those who haven't bought any car, don't let this yeye op deceive you that some cars are cheap in Nigeria, currently in Nigeria, no car is cheap.

The least amount you can get any foreign used car aka Tokunbo of any car brand in Nigeria now is 7million upwards, all thanks to Bola Tinubu and his directionless failed leadership

Agbalowomeri:
Na asset and commercial paper the guy dey analyse now

Zenith Q/25 financial report is disappointing.

From our portfolio management discussion

For those who are yet to have confidence in their personal trading career, a mixture of ETF/dollar MF/personal trading won't be bad.
A good example is the Meristem Value ETF and Growth ETF.
So far, Fund manager Mr Taiwo has proved to be a prolific striker in the Nigeria stock market league banging an average goals of 30/35 per trading season.
To beat naira devaluation, you need a yearly minimum return of 30% which Taiwo Yusuf seems to have proved possible.
Of course, past performance is not a guarantee but if a striker has scored an average 30 goals per season in English premier league, it is safe to bet on him he will deliver such in future seasons.

WriterrNg:
⚡Israel has approved a plan to capture all of Gaza and remain there for unspecified amount of time - AP

It is a ploy so as not to grant Palestine independence.
Since France, UK and i think Spain or Ireland announced they will recognize Palestine as a country in 6 months time, Isreal/US have decided to mobilize 650 thousand soldiers to totally occupy the place indefinitely...meaning they are not ready nor interested in granting these people independence despite displacing them from their land.
May God not allow us invite those who will take over our properties and Lord over us in Jesus name...Amen
SO they are sending a clear message to UK/Spain/France/Ireland that if you even think about it or decide to do it, you will have to confront us and will have to see how you can displace 650k soldiers from these territories.

goran3310:
"It's better. I don't want to completely ruin someone's marriage and destroy someone's family.
It's better. I don't want to waste time and pay for dates with a woman I'm not truly interested in.
It's better. ..."
Sorry.

Hello goran,

The bot newly installed on the forum to reduced negative words and comments auto-removed your comments.
It was never intentional, so you don't need to get angry over it. You are always welcomed to nairaland.
I believe the issue has been fixed to some extent.

Agbalowomeri:
Is the 6m monthly or annual?

Definitely yearly

Quote of the day .....

WHICH NIGERIAN BANKS PAY THEIR STAFF THE MOST, AND THE LEAST, IN 2024?

As inflation persists and the war for top talent intensifies, Nigerian banks are responding in markedly different ways when it comes to employee pay.
Nairametrics has analyzed the 2024 financial reports of 9 listed banks, and the findings reveal sharp contrasts in how banks structure compensation.
From executive-heavy organisations to lean branch-driven models, each bank’s strategy is reflected in how it pays its workforce.

WritterNg:
You forgot to add that from that money they'll give you $10 billion loan with ridiculous interest rates and conditions.

It is even the interests you pay that they'll use to fund all the useless NGOs and armed groups to destabilize your country.

Very demonic folks.

They will now add another 2b to give you rickety, washed-up 1945 fighter jets and Navy ships that can barely cross the atlantic ocean without been towed, claiming it is a gift to boost bilateral relationships

Acidosis:
My brother, it's never happening again. Too many reasons:


- There's nothing about marriage I haven't seen or experienced to some extent. I feel like I've reached the peak. The euphoria of a new journey is gone. Going in with that mindset will be unfair to a new partner.
- I think it would be unfair getting married to another woman whom I may continually expect to measure up to my (late) wife.
- I think it would be unfair to my late wife and especially the kids (if I fall into a bad marriage).
- I'm already learning to find peace in being on my own.
- I can't risk going through some trauma. Pregnancy scares the hell out of me now.
- Etc.

You are not using that airtel ending with 89 again?

emmanuelewumi:
I believe in miracles.


With God nothing is impossible

Don't we all? 🤷🤷

Acidosis:
My brother, it's never happening again. Too many reasons:


- There's nothing about marriage I haven't seen or experienced to some extent. I feel like I've reached the peak. The euphoria of a new journey is gone. Going in with that mindset will be unfair to a new partner.
- I think it would be unfair getting married to another woman whom I may continually expect to measure up to my (late) wife.
- I think it would be unfair to my late wife and especially the kids (if I fall into a bad marriage).
- I'm already learning to find peace in being on my own.
- I can't risk going through some trauma. Pregnancy scares the hell out of me now.
- Etc.

Hmmmmmm
I understand you bro.
Really understand you.
The new generation of men are likely not marriage inclined anyway.
A sizeable percentage of modern women are highly risky investment for most men.
How do you invest your time, money, effort etc in something that can easily work out of your life for flimsy excuses? She is tired, lost interest, highly unfaithful/cheats, paternity fraud and God bless you she is financially more stable than you, then you have a woman rubbing shoulder with you in the house, disrespectful, insultive and unremorsefully unsubmissive

Agbalowomeri:
Na so Loco take collect stray bullet

Agbalowomeri:
You go average down tire

ositadima1:
Too many 'what ifs'—what if a rocket bound for Lebanon misses its target and falls on your head?

WriteerNg:
What happened to the ones already in the army?

Are they all dead? Thought they lost only 50 soldiers with 15 slightly injured?

Acidosis:
I'm not in the best position to answer this, sadly. I don't have anything to bring to anybody's table again. I hope married men and others still willing to get married can answer you.

Bro, you no dey marry again?

ositadima1:
This is purely academic and meant to unmask the devastating effects of devaluation—even though it is hard to see, as it often creeps in very slowly. I’m making this point because, despite everything, these companies still provide value to employees whose families depend on them.

Now, having said that, let's look at GTCO. In Q1 2025, GTCO posted a PAT of 258 billion Naira—very impressive, right? But in dollar terms, that's about 161 million dollars. Now let's rewind to 2014: their Q1 PAT was 23 billion Naira, which was equivalent to 117 million dollars at the time.

So, over 11 years, GTCO's real profit in dollar terms grew by only 37%, while in Naira terms, it shot up by over 1000%. An untrained observer looking only at the Naira figures might be amazed by such apparent growth. But in reality, if GTCO had sold all its assets and invested the 2014 profit in U.S. Treasury bonds at just 4% annually, the returns would have surpassed this growth with minimal risk.

Now, PRESCO really impressed me. In Q1 2014, its PAT was just 400 thousand Naira. Fast forward to 2025, and the PAT is over 47 billion Naira. In real terms, that’s a staggering 138% compounded annual growth. This reminds me of the potential in Ellah Lakes. Some so-called experts are bashing the stock, calling it "dogoyaro." Time will tell.

As for me, I only know simple math. And as they say, numbers don’t lie.

I agree with you 100%.
About Ellahlakes, it is a risk worth taking.
Just invest what you can afford to lose or what you can afford to invest in a long time.
If it fails, probably get back 50% of your money back but if it goes as planned, o ma loud gannnn.
From my calculations using TAM/SAM, if ellahlakes goes as forecasted, it will make a lot of naira billionaires by 2035.
A 1m unit now at roughly #3m will likely become #600m in 10 years time @ #200/share.
Imagine collecting a dividend yield of 5% then, that will be #10m per year on a stock bought for #3m

ositadima1:
This is not what I asked. I'm looking at companies' profit growth. What I'm telling you is that, despite some of these companies reporting massive increases in profit, when you adjust those figures to the dollar value of their respective periods, you’ll realize they actually made less real profit.

Let me explain: suppose a Nigerian company made ₦1,000,000 in profit after tax in 2014. At the 2014 exchange rate of ₦197 per dollar, that equates to $5,076. Now, let's say the company has grown its profit by 20% annually (CAGR). By 2025, that would amount to about ₦7,430,000 in profit. Converted at the current exchange rate of ₦1,600 per dollar, that gives you roughly $4,644. So, although the profit in naira terms has increased significantly over the last 10 years, the real value in dollars has actually decreased.

Only companies with a compounded annual growth rate above 22% since then would have experienced real profit growth in dollar terms. But how many companies fall into that category?

So, my point again is that outsized returns aren’t the whole story. We also need to look at real return when compared with stable economies. Going back to your calculation—a foreign investor whose Nigerian portfolio didn’t grow more than 8x from 2014 to date has effectively lost money. Don’t point to the few companies that achieved 20x to 30x returns in share value; we also have many that didn’t. A 2014 investor would have needed to be extremely lucky to pick only the top performers.

I get your point clearly.
Well, that is why I recommend portfolio management of 1:1 or 2:1 because even though naira investment on average lose real value to the dollar on the long run, we can't afford to ignore alot of juice we can also squeeze out from ngx.

fashionnisir:
follow the following steps to get registered
1 Download the NASD app from your app store/playstore

2 Click on get started

3 Do you have a CSCS account ? Click No

4 check the two box and Click on Register

5 you will see the stock brokers who renders the NASD services choose any one of your choice and contact any of them to create NASD account for you.

6 then go back and input it in step 3 , where it saids do you have a CSCS account ? the answer will be yes then put your NASD CSCS account.
these will be easier if you have your details with the stock broker as a return investor through creation of your NSE/NGX CSCS

Note: your NASD CSCS is deferent from your NSE/NGX CSCS but can be provided by the same stock broker.

Thanks for the good job.

Kingsnairaland:
:Niger used to generate one billion each year in uranium under France niger leaders now it making 300 billion under Russia leadership

That has always been western nations pattern.
They will make 500b from you, only give you 2b while regularly putting it on media how they spend another 3b as Aids, NGOs, Scholarships etc back on your country.
This is your money they are giving back to you as a fraction of super mega profit they have squeezed out from you.
They will use another 5b to keep sponsoring and making sure a puppet us always your president by splashing the money to manipulate your elections.
All in all, they have only spent back 10b out of 500b they have milked from your economy back to you.
After that?
They start padding their use-less less productive economy with the massive profit they have made from you in GDPs, strong currency and huge trade deficit against your economy with them

Streetinvestor2:
How will the 10k dollar be #32.5m instead of #16.5 m

If it was invested in dollar fund at average rate of 7% per annum, it would have returned $19,600 which is 32.5m at #1,650 rate

ositadima1:
So, Brother EmmaOdet, while you’re sharing all this profitability news, please do us a favour: convert the figures to dollars—using the old rate (below ₦700) and the current rate (around ₦1,600)—so we can make a more meaningful comparison.

Thank you.

In 2014, #2m was $10k @ $1 = #197
If you had invested the 2m in ngx stocks at an average rate of 30% per annum returns (plus dividends and bonuses), that money would be #27.2m in 2024
That #2m will be #40.2m @ 35% average returns in 10 years
The same $10k dollars would have been #32.5m in 2024 @ 7% rate per annum in dollar fund @1,650 per dollar
A 50/50 exposure of your portfolio to naira/dollars investment would have returned between #30m - #36m in that same period.
The basic thing is that a return of minimum 30% per annum on your investment in naira investment will just do fine and a blend of both to be conservative.

temi4fash:
Boss

Thank you for all you do..

Since i started following you on NL is being blissful.

I read your story about your family, i would just encourage you to be prayerful and try to shield yourself from your extended family.

Have being following your recommendation on stocks.. Am looking forward to more..

Thank you

Thanks bro for your kind words.
About the stocks, i am also a work in progress.
Reading and improving everyday to be a better investor.
About family, have been making serious adjustments since the demise of my mum and i am far better now.
Thanks again

We may see okomu close to #1,000 per share with this Q1/25 eps of #22.79