₦airaland Forum

ogawisdom:
That will make a wonderful dividend growth for wealth building. Dividend growing companies are the real wealth builders.

The stock has been that way for long.

Its Nigeria's Nvidia in terms of returns and momentum.

When you consider the dividend payout, dividend yield and dividend growth, its even better.

The stock is growing rapidly in performance, dividend and share price.

Now people are getting acquainted with the stock judging by its current price.

In previous years, it would be trading at N80 by now and when dividend (and result) is announced, it will go past the N100 mark. This makes it not only good for holding for the long haul but also for very easy, almost risk free trading.

But now, it is already trading at N120 (more than 10x of the expected dividend).

I think Nigerian investors are becoming more savvy. Media outlets like Nairametrics e.t.c. may be one of the reasons for this.

There used to be so many mispricings on the NGX especially close to earnings season (especially for the tier one high dividend paying banks).

Iskalamong!

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nosa2:
Please all this my talk of market crash is extremely premature oh!

Nigerian economy is just resuming growth. Even though it seems prices have risen, earnings have risen to justify the new prices. Stanbic for example released result today and despite the recent run up in prices the stock is trading with a PE of less than 5! That stock could easily touch N200 and still be buy.

So even though I believe we would end up in a bubble I don't think we would get there for another 5-7 years.

I understand you completely.

I didn't misquote you. I believe your advice was to always invest/trade with caution. Avoid FOMO and doing proper due diligence when investing.

I only provided additional insights in response to the person I quoted.

Iskalamong!

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pluto09:
The bear will surely come but nobody can actually predict when it will happen.
I personally think the market dynamics have moved beyond what we had in 2008 and the possibility of having a major crash in the near future is a very slim one.

Mathematically speaking, the probability of a major market crash is always low.

But because it can and may happen, smart investors (individuals or institutions) must have a plan for it so that they are not wiped out by it.

This is the reason for risk management: traders using stop losses, position sizing, limiting leverage and even insurance in general (beyond financial markets).

Stock markets go up over the long term. If there is zero risk of a correction or a market crash, then there will be no need for stop losses. Just buy with as much leverage as possible and become as wealthy as one can be.

Sadly, this is not the case. Thus, risk must be managed.

Cheers bro!

Iskalamong

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awesomeJ:
Bitcoin /USD is down 6.7%
USd / naira is down 2%

Double wahala for people that bought Bitcoin with naira.

Even the legendary gold dipped today. Down c.3%

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awesomeJ:
For most companies, their fx exposures are net liabilities. So this strengthening will translate into gains. Although this won't materialize until end Q1.

Am I missing your point though?

What I see is every company that recorded FX gains in 2025 did so on naira strengthening, more strengthening thus only translates into more gains for them.

PZ for instance will might have to value their FX Obligations below 1350 next month. Another N70 gains for them.

Your point is clear but I think you missed his.

While many manufacturing companies, FMCGs, consumer goods and even telcos bellwethers lost due to the falling naira, the banks on their other hand, (and a few other companies) had currency revaluation gains.

He is asking if this recovery in the naira will reverse those previously booked revaluation gains of banks.

I hope it’s clear now.

Cheers

Iskalamong

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ManAdii:
Thanks for your recommendations bro. But you see that Access and Oando eh. Hmmm

Funnily enough, among the popular and solid stocks, those two seem to be the cheapest at the moment. Oando, very cheap. Access on the other hand is worth the risk for short term dividend play at N20.

In my opinion, market is in a hold state for those that want to JIJO. That is, if you’re in, you may wait to see if you can get a better exit price. If you’re out, you may wait to see if you can get a better bargain. Most stocks are around their fair value unless we see a shocker in results released or dividends declared.

However, those two stocks seem to be the potential plays for now. Oando at c.N40 and Access at c.N20.

Mind you, I excluded illiquid, very small cap and some other stocks (that rallies without revenue or operational evidence ) in my consideration.

It would be nice to hear the opinions of the house as well.

Cheers

Iskalamong!

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Gokoyer0:
Hi guys,
Who can give me upto 20 stocks to buy in cowrywise with a potential of massive growth for long term purpose? I will really appreciate.

Thanks

For serious investment advice, I will recommend you speak to an investment advisor or the research analyst(s) of your brokers.

I believe they are in a better position to make recommendations than random individuals online.

That said, please note that investment in equities (shares or stocks) carries risk of capital loss.

Here are some fundamentally sound stocks on the Nigerian Exchange

Oil and Gas
1. Aradel
2. Seplat
3. Oando

Banks
4. ACCESS Bank (Accesscorp)
5. Zenith-bank
6. GTCO

Telecommunications
7. MTN
8. AIRTEL

IT/software
9. CWG

Conglomerates
10. Transcorp

Consumer Goods
11. BUA Foods
12. NASCON

Industrial Goods
13. Dangote Cement
14. Lafarge Cement (Wapco)

Oil Palm Sector
15. Presco
16. Okomu oil

Health Care
17. May and Baker
18. Fidson

Others
19. TIP (The Initiates PLC)
20. Nahco
21. Tantalizers
22. Ikeja hotel
23. Julius Berger (Jberger)
24. Sahco
25. NGX Group

Kindly note that this is not an investment advice.

Cheers bro

Iskalamong

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faoogoke:
What do you mean by UBA stock not performing?
In my opinion its price is steady, and it will pay you dividend.
It also just surpass N500 billion shareholders fund.
You only just got in. Stay calm. Patience is key.

He is comparing the price of a share of UBA with those of its seniors, GTCO and ZENITHBANK.

That's why.

Also, we don't know his entry price.

Cheers!

Iskalamong!

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Bonjovi13:
I bought a ton of UBA stock last year with the understanding that it was undervalued and would catch up with GTB and Zenith stocks.
But it is not doing too well. Although there was a slight positive move on the heels of the purchase of Seplat by Heirs Holding, I still think the stock is sluggish.
Does anyone have an informed opinion why UBA stock isn't performing so well and what it's future projections are?

At the moment, on a per share basis, UBA is not on the same level with GTCO or ZENITHBANK. Both in terms of earnings (Earnings per share (EPS)) or in terms of dividends (dividend per share (DPS)). It is inferior. It has been inferior.

The key phrase is the per share basis

This is called fundamental analysis/peer comparison. It helps you compare companies better.

To simplify it, I know they're all tier one banks. But their revenues, profit and dividends differ. Even when these things are similar, you may need to look at it on a per share basis for a clearer view.

I will use some illutrations for a better understanding.

Example 1:
Two companies make N1 billion as profit after tax. The first has 1 billion shares outstanding while the second has 10 billion shares outstanding.

If the first trades at N10 per share while the second trades at N2 per share, it may seem like the second is undervalued relative to the first. Many newbies may buy the second for this reason.

But if we break it down, the EPS or earnings per share are as follows:

First company EPS = N1 billion / 1 billion shares = N1.00 per share.

Second company EPS = N 1 billion/ 10 billion shares = N0.10 per share.

This shows that the first company's shares earn 10 times that of the second company. This explains the price difference.

Example 2:
Two companies are top players in an industry. They make similar profits, revenues and even EPS but one trades significantly higher than the other. E.g Company A trades at N25 per share while Company B trades at N40 per share.

Solution:
Since earnings, management quality, risk and company fundamentals are the same (or very similar), we may look at the dividend.

Company A might declare N2.45 per share while company B declared N5 per share. In this case, the price difference is due to the higher dividend from company B. This is similar to what is happening in ACCESSCORP and UBA at the moment. The latter has a higher dividend yield. Financial performance and company strength are relatively at par.

My illustrations are not perfect but they are a good start.

Wishing you the best in your investment journey.

For the gurus, I oversimplified because of newbies out there. This way, they can catch up.

Cheers!

Iskalamong!

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Demetrix:
chief, you sent me a mail sadly,I don't have access to this mail.

Its on derivatives trading.

Can you share a contact: active mail or WhatsApp number.

Cheers!

Iskalamong!

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Streetinvestor2:
Not betting on obi as it is not equaly his birth right. Anyone from adc is a goal to me.If he fails after 4 yrs he is thrown again into dust bin for another person .It is on record I didn't vote this present one but after supreme court judgment I accepted it as fate.Then I said it could never be as bad as last one so we move.
It has disappointed beyond I could believe mostly with the economy. I am a business man so all those statistics by people in suit and ac is not reality on nigeria streets. Under this government so many small and medium businesses that existed has closed shop.Bro hunger and poverty is real on Nigeria streets. I don't live among the high class .I sabi do low and middle class game because that is whr the fun dey.It has turned red for many in this class in the last 3 yr.School don resume in the next 3 weeks you go begin petty this class as they decide btw sch fees and feeding of thr children. While this government spend wasteful among political class in billions
Abeg here no be political thread..sorry to all

Very true.

No lies detected.

Iskalamong
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Bigdeal01:
NSE most of the time is a big paradox. Check all junk stocks you are cautioned not to buy and see how much they have delivered in the last 3Months.

Austinlaz has done over 160%.
Alex,over 200% .N1m here would have become N3m
Deep cap
Nsltech
Daarcom
Conhall
Royalex
Ellahlakes

The ones with all the fundamentals stay lagging.
Most of us here are after capital appreciation as dividend most times is even guaranteed. When they do pay; just 2 to 10%.

I personally need my bags to swell 3-5x. Dividend can wait.

You have a very sound argument.

Please remove CONHALLPLC from your list.

Cheers!

Iskalamong!

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otokx:
Looking for non-banking, dividend stock with potentials, any suggestions?

A non banking stock with good dividend payout, dividend yield and dividend growth that I know is NAHCO.

I recommend you do your analysis on it before investing.

Cheers!

Iskalamong!

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kintus:
We experienced a sustained market downtrend for over three months last year, from October to December. Against that backdrop, advising investors to exit after just one week of positive movement appears premature.

It is reasonable to encourage caution, particularly in uncertain conditions; however, issuing guidance that does not align with the prevailing market momentum may be misleading and, frankly, unhelpful.

Cheers.

If you had read my earlier comment/response to @streetinvestor, I made a comment against taking profit too early.

Essentially, we are saying the same thing.

Cheers!

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Streetinvestor2:
What are u seeing from your own angle

Nothing really.

But from experience, when the market is rallying, it tends to go higher than expected.

Also, this rally may be a combination of the regular Q1 rally plus the santa rally not experienced last year. Thus, the rally may be sustained.

Also, as its a fresh year, many will likely FOMO in (both individuals and institutions) potentially fueling the rally.

Thus, you may want to carefully analyse the stocks you hold before cutting in a rush. A more pragmatic approach would be a staggered exit. This way, you exit partially while riding the bull. Hence, you won't completely miss out should price over-extend.

On the flip side, the Nigerian stock market is notorious for liquidity disappearance. That is, once the bull is over, many stocks may become fully offered. Hence, it is advisable to be on the watch to take profit (especially if you're not a passive investor). Typical example is the rally of insurance stocks in January 2025 (e.g SUNUASSUR) and the subsequent sharp reversal.

In conclusion:
If you're in the market, HOLD or exit gradually as the market is bullish. A good check may be to ask yourself the kind of results that the company can release or dividends that can be declared that will raise price further. Once prices are these high, it may be a good time to exit.

If you're not in, be careful of FOMO. Buy only fundamentally sound stocks that are still cheap in valuation terms. The rally will not last forever. I remember January 2024, the market was very bullish only to reverse aggressively towards month end and the following months of the quarter were quite bearish.

Those that entered late were punished. Many that didn't take profit in time regretted as well.

Sorry for the long epistle.

I had to carry newbies along as well.

Cheers!

Iskalamong!

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Streetinvestor2:
I wonder what is wrong with ngx.And is even a listed company that can't try to be efficient The thing tiya me I just logged out as I am not even buying anything na sell be my business

Please dont sell too early

Cheers!

Iskalamong!

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emmaodet:
→Rent vs. Buy
→Big Emergency Fund vs. Small Emergency Fund
→Pay Off Debt vs. Keep It And Invest More
→Cash On The Sideline vs. Always Fully Invested

There are no "right" answers to these debates.

Personal finance is personal.

True.

For emergency fund, I will say, have small emergency fund (cash). But have a larger emergency investment (e.g money market fund). This way, you're not holding too much cash and you're also not taking excessive risk while earning interests and maintaining a reasonable liquidity.

For debt (typically a leverage question), use less debt (low leverage). Do your maths and risk analysis well. This is generally the safer of the two options. The leverage will amplify your gains while you keep risk of ruin very low as your leverage level is low.

Diversify investments, and distribute (diversify) risk. Investments like money market funds, keep you invested and liquid while reducing your risk. With them you can stay almost fully invested and still manage risk (and liquidity).

In a nutshell, the answer would vary depending on the person but there is an optimal range that is suitable to most people based on risk, returns and liquidity.

Cheers!

Iskalamong!

emmaodet:
Then why still holding the stock if it has failed your fundamental analysis? The core reason you bought it since you wrote it rubished your valuation

The fundamentals are still in place

Its the market sentiment that is not favourable.

The company's most recent quarterly financial was okay.

Fantastic profit growth and EPS number.

It reinforced the cheap valuation.

My point is that, the market is selling instead of buying (negative market sentiment)

Iskalamong!

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ositadima1:
I get your point, but you’re not seeing where I’m coming from. According to him, he invested in 2021, and by 2023 he himself showed us that his stock portfolio was over ₦300 million, the posts are here, I’m not guessing. If his convictions were as strong as he’s claiming today, he would have increased that position to at least ₦1 million. In 2023 the stock was still relatively cheap. He could have sold stocks that had peaked or added more from dividends.

Now he comes here claiming he ‘always knew’ it would turn out like this, after the fact. What I’m saying is: the reason he didn’t add to the position all this while is because, consciously or unconsciously, he was weighting it down due to perceived risk compared to his other holdings.

I agree with you.

For a bet on a cheap stock, 1% of one's portfolio is small enough. In this case that would be c.1 million naira for a 100 million naira portfolio.

And in Nigeria, we tend to be aggressive. Thus, having a stock that is 10% or more of one's portfolio is common place. Especially with experienced traders/investors.

In a nutshell, if he is convinced that the stock will rise he shouldn't be using less than 0.25% on the stock.

That is more like a random or speculative bet that one can easily forgo even if it turns to zero.

Regards,

Iskalamong!

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EDUECO:
It is not possible because ACCESSCORP will definately pay 2025 full year dividend.

Accesscorp did not pay interim this year.

If they miss final dividend next year, then N15 is a possibilty. Especially as next year is pre-election year (historically bearish).

Also, when you consider that fact that Accesscorp dropped below N16 last year amid the recapitalisation saga, you'll see that N15 is not too much a big of a deal should the company's performance miss expectations in an unexcited market.

FY' 2025 results will also have an important role to play as well as the early 2026 quarterly results.

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EDUECO:
When did ACCESSCORP get to ₦30 this year or last year?

Or abi you done become APC member?

It actually crossed the N30 mark.

I think early 2024.

Then it dropped same year below the N16 mark.

Cheers

Iskalamong



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ositadima1:
Yeah, some people tell stories to feel good, I do that sometimes. But you can still make outsized returns by using strategies and models; that’s a fact. The market has hidden patterns you can exploit to make money. So yes, on average, people do make money. I’m living proof, and there are many others here who don’t talk about their wins at all, so you never hear about them.

In the Nigerian market, its hard not to make money if youre patient.

Buy good companies. At good valuations. If you dont know valuations, check chart, buy on pullbacks. Once you do this, youre good.

For example: MTNN hit N200 plus. There was a pull back. It hit c.270 or so. There was a pull back. It crosses N300. There was a even more serious pull back. Now, it has crossed N500.

Good stocks/Fundamentally solid stocks tend to be on an uptrend over the long term.

The strategy is to buy then on pullbacks and give it time (sell during bulls/rallies). You'll be fine.

Best regards,

ISKALAMONG

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nosa2:
Not necessarily. Someone could be selling strategically but that's not manipulation

It's mostly manipulation.

Then momentum traders join since the trend is common.

Typical examples are in Geregu, Buacement, Sunu Assurance, Mecure. It happened at some point in these stocks.

Cheers

Iskalamong!

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ositadima1:
I don’t think it’s 100% luck, but he’s clearly exaggerating in his post. The points he made are solid, just not strong enough, which is why he hasn’t been adding to his position all this while. It’s like having a strong feeling that Manchester City will beat Fulham based on certain indicators, but you’re still not fully sure, so you bet responsibly, lol.

I will digress a little.

I think one has to invest responsibly when it comes to investments that are Marked to Market (MTM).

This is because it affects the investor or traders psychology. In my opinion, it may be the reason many shy away from investing in risky assets like stocks.

Unlike investments in illiquid assets like real estate or properties. The daily prices are not published.

You simply buy, hold, revalue after a reasonable time and then sell. No daily MTM pressure.

Cheers

Iskalamong!

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pluto09:
It is the kind of narrative that makes people believe they can just buy any stock and make money once they can wait it out .
It is nothing but pure luck

That applies to Nigeria though.

You see such stocks appreciating significantly during bulls.

However, in developed markets, such companies could go bankrupt or lose 90% of their values overnight e.t.c.

They are extremely risky.

I think the reason for that is the fact that you can take short position easily and there is high liquidity.

Here (on the NGX), its all long with very little or no shorts. Hence, you might easily get away with buying them blindly (most times).

Cheers!

Iskalamong!

Streetinvestor2:
Good u gamble paid off.Then again what is happening in the price presently is high level manipulation of its price.It is not fundamentals justifying or pushing the price up.The MM just comes every day to drop 100k units and do the magic. I see some stocks here doing or going to do same so I will personally not ascribe it to investor special inputs.Your gamble just paid off and not really the patient investor theory that should be sold to new guys in this business . E get some kind stocks for such thing here.And on serious note I believed u had money to top up from 2021 to 2025 if u had tight prove conviction about that company. Enjoy u loot.I hope it does not hook ur throat when u want to convert the paper profit to real money like total is showing me now

Many expensive (N500 upwards) and manipulated Nigerian stocks have their times of illiquidity.

Examples BUAFoods, Dangcem, Geregu, Airtel, Seplat (Yes, even Seplat) e.t.c.

The strategy is to sell them when they are liquid.

Or quickly take your profit while the bullrun is on.

Cheers

Regards,

ISKALAMONG!

Mankind2024:
My brother, the NSEMPA no1 impatient and arrogant trader, thank you for the free publicity and for giving me the opportunity to clear the air once and for all.

1. “Negative shareholders’ funds and a failing business model”
- In Feb 2021, NCR had negative equity of about –N1.2bn. That’s public information.
- What is also public information is that the company had over N8bn in installed base contracts (maintenance of ATMs, POS, and self-service kiosks across banks and oil companies), contracts that renew every 3–5 years almost automatically.
- I saw a situation where the market was pricing a 130-year-old technology franchise with monopoly-like service contracts as if it was heading for liquidation… for N180m market cap. That’s not a “failing business model.” That’s the bargain of the decade.

2. “Why only N170k? That doesn’t show confidence.”
- In 2021 I was a salary earner, struggling with life and family responsibilities. N170k was part of my liquid net worth at the time — exactly the position size I allocate to my highest-conviction ideas when they are this depressed.
- Confidence is not measured by how much you bet when something is already obvious to everyone. Real conviction is measured by how much you are willing to allocate when literally nobody else sees it.
- Today that N170k is worth N3.635 million. I sleep very well with that “small” conviction.

3. “You only got 20x in 4–5 years while people who bought at the 52-week low got 18x in one year — so it’s luck.”
- People who bought at the 52-week low in early 2025 paid between N4 and N6. They are enjoying the ride now, and I’m genuinely happy for them.
- But let’s be honest: in early 2025, the turnaround was already visible to anyone who cared to read the 2024 results and the H1 2025 numbers. The stock had started moving. It was no longer invisible.
- I bought when the company was still bleeding, when the chart was flat for four years, when the average daily volume was sometimes 200 shares, when people on this same forum were calling it “dead money, Iliquid stock.”
- That’s not luck. That’s buying when fear was maximum and facts were minimum.

4. “Paint the full picture so people can learn.”
- The full picture is simple: I looked for a company with:
(a) a moat (service contracts that competitors can’t easily take),
(b) a tiny market cap relative to its installed base,
(c) a share count that made a future re-rating mathematically explosive (108 million units), and
(d) zero chance of permanent capital loss because the business would still be needed even if it crawled along for another decade.
- I didn’t need 2025 results to see that. Everything I needed was already there in 2021 for anyone willing to read beyond the headline loss.

Finally, I have never claimed to be a genius like you. I just refused to complicate what is painfully simple: buy great (or decent) businesses when nobody wants them, do nothing, and let time work.

If waiting 4–5 years for 20x (so far) while collecting zero dividends and watching red headlines every quarter is “luck,” then I pray every member of this forum continues to enjoy such terrible luck.

To everyone else reading: the next NCR is already on the NGX today — trading at N5–N15, negative equity, zero volume, and plenty of people calling it trash.
You don’t need luck. You only need the stomach to be early and the patience to be quiet.

God bless you all.
And thank you again, the arrogant trader, for bumping my post to the top. Much appreciated. 🙏🏾

You can share the stock with the house.

Its an open market.

We can all win.

Cheers

Iskalamong

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Locotrader:
Psychological support for ASI is 145,000
Let's see if it will be actualized in the coming days.
My take,if 145k holds strong,we will see 150k level by 31st December.This is what I pray for.

Currently sitting at 143k.If this 143k is broken,we may see support at 138k.At this level,we may be in for a longer beers(days of no activities)

In my opinion, the ASI is reflective of what the largest companies do.

For instance, Airtelafri remains very cheap compared to its LSE counterpart (AAF LN).

In the event of a serious bear in low cap and mid caps (and stability in high caps).

In Nigeria, many high caps can be fully offered without a price change.

In a bearish day, if Airtel (and one or two more large cap) rises significantly, the ASI would behave as though the market is slightly bullish.

In a nutshell, my point is that the ASI may not be reflective of the broad market performace and should not be use for broad market analysis.

One love sir

Cheers!

Iskalamong!

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crownprince2017:
E be like say oando lost today in the market, the udele customer don vex come here again.

I closed most of my positions as I expected a correction.

However, I did not expect Oando to decline when the correction happens.

For this reason, Oando is the only stock I am holding with my full chest.

Its performance has been a shocker to me (and my portfolio).

The reasons I bought it when I was closing other positions are as follows:

1. Strong growth potential (driven by acquisitions and political moats)
2. Very cheap valuation. This combined with no 1 above is a recipe for multibagger performance.
3. Proposed equity capital raise at N50. Using banks as precedents, a rally may occur (e.g fidelity, GTCO, e.t.c. with price appreciation of more than 100% post capital raise.
4. Conversion of debt to equity plus capital raise to boost the company's balance sheet and make its book value positive.

Last last, the stock's performance rubbished my analysis

For newbies, this does not mean that analyses do not work. Instead, it shows that analysis gives you about 70% probability to be right (not an assurance)

Cheers guys

Iskalamong!

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Locotrader:
Bull that is set.
There will be great rally this season even if CGT is set at 50%.

Make sure you have some units of stocks else what happened to Peter will repeat itself on you.
During crucification of Jesus,Peter turn to him and wept because his words came to fulfilment.

I repeat again,stocks are set for a great rally.

I like your confidence.

But for the sake of the general public.

It would be nice if you tone down the confidence a little.

Instead of will, you can use will likely. This is to show that it is probable and not certain.

There are people that make investment decisions from blog posts.

While that is not ideal, it is good to have them in mind when posting.

One love sir!

Cheers!

Iskalamong!

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mikeapollo:
Don't be too optimistic or too sure. The CGT issue is not yet permanently resolved with certainty, and that Taiwo guy may say something again that would disrupt the market once more.

Analysts give reasons for everything.

If the market rallies, People/investors want to know why. Thus, analysts provide them with why and vice versa when bearish.

The market is actually overextended as it has rallied for long.

It is normal for the market to experience a pullback. When this happens, people ask why, and whatever is trending at the moment is provided as the reason.

A technical analyst wont even be bothered with what is happening now. Markets simply rise and fall (Whether bear or bull).

In a bull market, you see higher highs while the reverse is the case in a bear market.

For me, this correction should have happened a few months before. That way, we would have been seeing recovery now which would/should metamorphose into a full santa claus rally towards the end of the year.

Back to the matter, the CGT is really an issue. However, it is not the main reason for the markets present lacklustre performance.

Cheers

Islalamong!

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Locotrader:
If you truly believe in a company and the price fall,just look for money and be averaging down.

This is what I have been doing and I am proud I did it.
At last na great win for me as bull is decending on Japaul now.

Those who entered or averaged down today are winners from next week.

Thank you for acknowledging you don't loose money until you sell.

God bless

This is one benefit of the Nigerian stock market.

A good stock at a cheap valuation will usually not dip for long.

It will recover (even if its partial recovery).

Cheers!

Iskalamong

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