₦airaland Forum

Stockpromoter:
Make una dey trade with market insight oooo.
Top stocks wey go give returns next week among the penny stocks;
Avacap
Aiico
International energy
Mbenefit
Ftg ins
Royalex
Lasaco
Sovereign ins
Caverton
Japaulgold
Guinea ins
Regal ins

THESE RECOMMENDATIONS ARE BASED ON OUR TA.
NEXT WEEK IS RIPE FOR TRADERS TO MAKE 10-30% OR MORE.
SOME STOCKS ARE BATTERED,SOME OVERSOLD.
EXPECT REVERSALS AND SOME BREAKOUT NEXT WEEK.

True

AngelSlay:
How Chairman's PA take get that kind money?

You have a very deep mind. My kind of person.


Anyway back to your question.


Chika Flora Udu is the Personal Assistant to the MD. Assisting him in every way a man needs assistance.


85.4 Million Naira from a Personal Assistant is not a small money ooo.

*Mutual Benefits Insiders Buy 254m Shares, Shareholder Sells 262m*

- Top executives/insiders bought 254.004m shares worth ~N748.6m in September
- Insider breakdown:

- Femi Asenuga (MD/CEO) — 96.001m shares at N2.92 (Sept 7-11)
- Hakeem Oguntola (Financial Consultant) — 61.001m shares at N2.95 (Sept 11 & 15)
- Abayomi Ogunwo (CFO) — 48.001m shares at N2.98 (Sept 8-9)
- Chika Flora Udu (PA to Chairman) — 28.001m shares at N3.05 (Sept
- Babajide Ibitayo (Company Secretary) — 21.001m shares at N2.85 (Sept 9)

- Significant shareholder Charles Enterprises LLC sold 262.196m shares at N2.93 (Sept 8-15), value ~N768.2m — about 8.2m shares more than total insider buys
- Filings do not confirm insider buys were counterparties to Charles Enterprises sale
- No reasons disclosed for either side of transactions

Mutual Benefit Assurance Plc likely to close this new week at N5.00?

Despite the low share price of Regency Alliance Insurance Plc, the company's underlying fundamentals tell a completely different story. Because its balance sheet is now massively shored up to absorb highly lucrative corporate risks (like aviation and oil/gas underwriting), some Analysts have maintained a long-term "Strong Buy" rating on REGALINS, forecasting a Target Price of ₦1.14, an upside from it's Current Price of N0.75.

Despite the low share price of Lasaco Assurance Plc, the company's underlying fundamentals tell a completely different story. Because its balance sheet is now massively shored up to absorb highly lucrative corporate risks (like aviation and oil/gas underwriting), some Analysts have maintained a long-term "Strong Buy" rating on LASACO, forecasting a Target Price of ₦3.23, an upside from it's Current Price of N1.82.

So once a lady is not married, her next and only option is to go into full time hook up, or she would starve to death?

Why was Nigeria written in Red letters?

Wotowotoman:
Hmmm 🤔. Dayo is going places. Next stop - Bank CEO. Congrats to him 👍

You know him personally?

*NGX Weekly* Market closed bullish:

- *ASI:* +2.78% WoW to *249,804.56 points*
- *Market Cap:* +N4.7tr to *N162.2 trillion* — new high
- *YTD Return:* *+60.53%*

*Drivers this week:*
MTN Nigeria +9.73%, FirstHoldCo +17.65%, BUA Cement +6.80%, Aradel +9.62%

*Friday alone:* ASI +1.42% — driven by MTN +9.20%, FirstHoldCo +8.11%, Dangote Cement +1.55%

*Breadth:* 35 gainers vs 22 losers (1.59x)
Top gainers: C&I Leasing +10.00%, FTG Insurance +10.00%
Top losers: Transcorp Power -9.96%

*Activity was actually down:*
Volume -52.15% to 521m units, Value -31.28% to N29.8bn
- Volume leader: MBENEFIT 76.6m units
- Value leader: Zenith Bank N3.9bn

*Sector:* 4 of 6 up
Banking +2.23% (FirstHoldCo), Insurance +1.03%, Industrial Goods +0.81%, Oil & Gas +0.01%
Down: Consumer Goods -0.36%, Commodities -0.64%

Access Holdings has appointed Mr. Ifedayo Olaniyi Orimoloye as Executive Director, Risk Management of Access Bank Plc, effective *Sept 21, 2026*, after CBN approval.

Who he is:
- Ex-Group Chief Risk Officer at AfDB, oversaw $40bn+ risk portfolio, helped AfDB keep AAA ratings (Moody’s, S&P, Fitch)
- 25+ years risk experience: Sterling Bank, Ecobank, Wells Fargo, HSBC, Citigroup
- Dual BSc Economics & Finance + MBA Finance, California State University, Hayward
- Quote from Chairman Aigboje Aig-Imoukhuede: brings "strong global risk management experience".

megawealth01:
I don average tire... My BE is now 3 naira plus

Do not Average Down on a stock that you would not have bought now, even at it's present lower price.

This is classic risk management rule.

Logic:

- Averaging down is adding to a losing position to lower cost basis
- If current price, business quality, and outlook do not justify a fresh buy today, adding more is emotional, not rational
- Turns a small mistake into a bigger exposure

Practical filter before averaging:

- Would this stock be bought fresh at this price with new capital?
- Has thesis changed or just price?
- Is balance sheet and cash flow still strong enough to wait?

If answer is no, holding or cutting is more disciplined than averaging down.

megawealth01:
I'm looking forward to bailout of LASACO if they can get to 10 NAIRA. I will sell off and never look back

Why just N10?

Why not N10,000?


Lol

*ACCESSCORP dividend position for H1 2026:*

- Interim dividend highly unlikely.

- Reason disclosed at investor call — breach of Section 19((c) of BOFIA. Limit is 10% of shareholders' funds in foreign banking subsidiaries. Current exposure around 19.3%.

- Consequence — CBN restriction on dividend distribution until corrected. 12-month remediation window granted to divest part of foreign holdings and restore buffers

- Financial timeline:
- Board approved audited H1 2026 statements on Aug 27, 2026
- Forwarded to CBN for sign-off, expected public release by Sept 30, 2026
- Q1 2026 PBT up 22.19% to N272.21 billion, driven by non-interest revenue

- Capital action — shareholders approved N40 billion equity raise via private placement at EGM to optimize balance sheet

- Outlook shared by Chairman Aigboje Aig-Imoukhuede at AGM — focus on protecting long-term capital base. Cash distributions paused until remediation finalized. Dividend resumption possible in 2027 after divestments and statutory clearance.

Has the upcoming Insurance Penny Stocks Rally already been kick-started by Mutual Benefit Assurance Plc and Sovereign Trust Insurance Plc?


Watch from next week. A lot of Penny Insurance Stocks are about to start swinging to a Bull Run.

Are you ready?

1. Love for intimacy — libido varies by individual, not by introversion. Introversion does not predict higher or lower sex drive. The "slow poison" label is slang, not psychology.

2. Keeping secrets — often true. Introverted men tend to disclose less broadly and keep private matters contained to a small circle.

3. Loving deeply — possible. Tendency toward fewer bonds can mean more investment in each bond, but depth depends on character, not just introversion.

4. Not into football, smoking, drinking, womanizing — stereotype. Lifestyle choices are personal. Some introverts avoid crowded bars or clubs, but many watch sports or drink socially in small settings. Bedroom activity also varies widely, not linked to introversion.

5. Cooking — no direct link. Some do, some do not. Skill comes from interest and upbringing.

6. Porn addiction — not tied to introversion. Research links problematic use more to impulsivity, stress, isolation, not personality dimension alone. Introversion alone does not cause it.

7. Hardly sharing struggles — often true. Many introverted men internalize and process stress privately before speaking. That can look like bottling up.

8. Party and clubbing feels like death sentence — exaggerated but directionally true for many. High-stimulation environments drain energy faster, so avoidance is common.

9. Observant with strong intuition — often true. Less talking means more watching, pattern recognition, reading subtle cues.

10. Very intelligent, thousands of thoughts, talking to self — intelligence is separate from introversion. Overthinking and inner dialogue are common because of reflective processing style. Self-talk is normal cognitive behavior, not sign of high IQ by itself.

11. Not having favorites, anything goes — usually opposite. Introverts often have clear, narrow preferences because of low need for novelty.

12. Hardly letting go — can happen. When investment is deep and social circle is small, detachment takes longer. Also relates to attachment style more than introversion alone.

Overall pattern — introversion shapes energy and social style, not moral character, libido, or life skills.

What are the facts about men who are introverts?

*Better ways to manage your Finances during these Ember months*.

The main issue is not that you spend more — it's that everything costs more _at the same time_.

Here's the core playbook, stripped down:

*1. Calculate the REAL number*
Don't estimate. Write it down in September:
- Social: 4 weddings, office party, Secret Santa, aso-ebi
- Family: Transport to Village from City (that doubles in December), gifts, "you're in the City, bring something for those of us in the village".
- Kids: End-of-year party, teacher gifts, January school fees that collide with December.
- Lagos inflation: Ride, food, drinks, all go up 30 to 50% in December.

That total is your Ember Months Budget. If it's N600k, you need to know now, not finding out by December 15th.

*2. The Ember Fund*
Best time to separate it, was in January 2026. Second best time is NOW. Place it in a completely different account immediately.
- N600k in 12 months = N50k per month
- N600k in 4 months (September to December) = N150k per month.

Same goal, 3x more painful because you started late. But better than never. Use a separate bank account for it — don't leave it in your main bank account or in your stock trading account.

*3. Say No in September, not in December*
In September, saying "I won't make that distant cousin's wedding" is easy. In December, with social pressure, it's impossible.

Book travel NOW. September bus or flight ticket to South East, or wherever you may be traveling to, is half it's price in November.

*4. Two rules to protect January:*

- Don't pause your investments. That feeling of "I need all my money for December" is seasonal, not real. Pausing costs you compounding.
- Don't ever touch your emergency fund, and use it for parties and owambes. Party is not an emergency. If you raid your Emergency Fund in December, January go finish you kpata-kpata.

> _January is just December's invoice._ The January that kills most people, is built in September.

WhizdomXX:
No 2024-2026?

Coming soon.

Stay tuned...

https://doclib.ngxgroup.com/Financial_NewsDocs/47920_AFRICAN_ALLIANCE_INSURANCE_PLC-_QUARTER_2_-_FINANCIAL_STATEMENT_FOR_2024_FINANCIAL_STATEMENTS_SEPTEMBER_2026.pdf


After 4 years, African Alliance Insurance Plc is finally set to return back to the stock market at N0.20


Expect the Mother of all Price Rally...


Offer valid while stock lasts...

*Lasaco Assurance — N18.47bn boost:*

*What happened:* Completed a Rights Issue for *N18.47bn*, confirmed at its 2025 AGM held in Lagos. Chairman Babatunde Dabiri called it a "vote of confidence."

*Why it matters:*
- Puts Lasaco firmly above the new *Nigerian Insurance Industry Reform Act (NIIRA) 2025* capital thresholds ahead of NAICOM deadline
- Reinforced shareholders' funds, secured going-concern status

*What they will do with it — 5-pillar plan:*
1. *Reinsurance optimisation:* Restructure treaties to retain more risk locally, cut foreign reinsurance cost & FX exposure
2. *Market penetration:* 6 new products already launched, push into high-margin retail & bespoke corporate
3. *Digital transformation:* AI automation, core infrastructure upgrade
4. *Cost discipline:* Lean management, tighter expense monitoring
5. *Risk governance:* Stronger ERM and compliance

*New underwriting capacity:* Board says the capital allows Lasaco to take on *larger specialised risks in energy, oil & gas, aviation, infrastructure* — improving retention and reducing dependence on foreign reinsurers.

*On dividend:* Board admitted shareholders want returns but said priority now is restoring sustainable profitability and balance sheet resilience post-recap. Dividend will resume when buffers allow — same message most mid-tier insurers are giving right now.

This is the consolidation wave — bigger, better-capitalized local underwriters able to keep energy risks onshore.

GTCO and Zenith Bank now at same Price Level


Who moves first?

Lasaco Assurance Plc, now at N1.95


Heading to Full Bid?

ChumzyOma:
TWO FINGERS UP, THE PEACE SIGN: A SIGN THAT THINGS WILL BE OKAY


January 16, 2027 is a defining moment for us in Anambra South.

Look around you. In Afor Ukpor, Nkwo Nnewi, Ekwulobia market, in Ihiala, Awgbu, Nanka, Ozubulu, in every town hall and bus park — the conversations have changed. It’s no longer “who sent you?” It’s now “what will you do for us given your existing track record?” The people have woken up.

That is why we are rallying behind Chief Ebuka Onunkwo of the NDC to represent Anambra South at the Senate in the forthcoming elections.

He represents service over entitlement. He represents listening, work, and a genuine commitment to the common good.

The two fingers in the air introduced by the NDC is more than a gesture. It is a reassuring sign. It means things are going to be okay.

What it means is, do not be despondent. Do not lose hope. And stand ready to vote and defend your votes.

Let this sign become the new passcode for all well-meaning Ndi Anambra South, irrespective of political party affiliation.

A simple greeting that says: we believe in a better tomorrow, and we are ready to work for it by getting our PVCs ready in solidarity with Chief Ebuka Onunkwo.

We cannot afford to slow down now. The momentum we have built must be maintained; in our conversations, in our communities, and at the ballot in January.

This is about our future. This is about dignity. This is about putting leadership back in the hands of the people.

Raise two fingers.
Support Chief Ebuka Onunkwo.
Let Anambra South move forward.

#TwoFingersUp
#NDC #ChiefEbukaOnunkwo

Hope he will later win?

FirstHoldco Bank Plc getting set to declare 2026 Interim Dividend of not less than N3.50?

We watch and wait...

Aradel, Seplat and Oando now hold a combined *N2.86 trillion in cash* as of H1 2026 to fund growth after their major acquisitions.

Breakdown from their H1 2026 accounts:
- *Aradel Holdings: N1.72tn*
- *Seplat Energy: N598.35bn*
- *Oando: N544.92bn*

Their combined cash increased by about *N456.34bn* in just the first 6 months of 2026.

*Why they are this cash-rich:*
The 3 companies generated *N7.05tn in revenue in H1 2026* (Seplat N2.5tn, Aradel N2.49tn, Oando N2.06tn) when Brent briefly hit ∼$118 after the US-Israel-Iran conflict.

*What they plan to do with it:*
Both Seplat and Oando say capex will jump in H2 2026 — "biased to 2H 2026" for drilling, well interventions and other short-cycle production growth. This follows their big asset grabs from IOCs divesting — Seplat's ExxonMobil JV, Oando's Eni/NAOC acquisition, Aradel's ND Western / Renaissance JV stake.

In Q1 2026, Aradel + Seplat alone held 97% of all cash in listed Nigerian oil companies — so the sector is now a two-horse liquidity race, with Oando re-joining the table after its acquisition.

*H1 2026 production tie:*

- *Aradel:* 139,500 boepd average
- *Seplat:* 139,509 boepd average.

Difference: 9 boepd. Essentially dead heat.

*The jump:*

Aradel H1 2025 was 22,400 boepd, so H1 2026 is +523%. That is a 6.2x.

Driver: Consolidation of ND Western Limited and Renaissance Africa Energy into Aradel's books, plus gas going from 41.2 mmscf/d to 503.2 mmscf/d on better pipeline availability.

Crude alone: 15.5 kbopd → 55.6 kbopd (+258%).

*Capex:*

Aradel spent $217m in H1 2026 on its expanded portfolio vs a much smaller base last year, while Oando spent N81.4bn (up from N48.3bn) on its own NAOC acquisition. Seplat guided $360 to 440m full year capex, only $109.8m spent in H1, so heavy H2 coming.

Result: Aradel revenue 577% to N2.49trn, EBITDA 688% to N1.39trn, but PAT only +30% to N191bn because tax jumped to N561.7bn.

Seplat in same window did N2.5trn revenue and declared a special dividend — total 68.3c per share expected for 2026.

Indigenous players just lapped the IOCs in one year.

How is it her business? Is she a virgin?

Ladies are extremely wicked. Especially when they hate you.

100 Million Naira used to Buy First Bank in January this year, is now worth about 309 Million Naira...