₦airaland Forum

Stockpromoter:
AFTERNOON MARKET UPDATE – ROYALEX INSURANCE
Smart investors, this is the moment to position early.
While NEM has just released its unaudited FY 2025 result, the smart money is already shifting attention to stocks that are still undervalued but showing real financial turnaround — and ROYALEX is one of the strongest candidates.
Royalex Q3 result already confirmed that the company has entered a new growth phase, and expectations for the full year are even more powerful.
What has significantly improved in Royalex over the last one year?
✅ Gross Premium Income (GPI) Royalex has recorded strong growth in premium income, showing that business activities are expanding and market penetration is improving.
✅ Underwriting Performance The company has tightened risk management and improved underwriting discipline. This means better quality business and higher future profitability.
✅ Operating Efficiency Operating costs have reduced significantly, leading to improved margins and stronger bottom-line performance.
✅ Balance Sheet Strength Royalex has continued internal restructuring to meet recapitalisation requirements without diluting shareholders — a big advantage over competitors that are raising funds and issuing new shares.
✅ Profit Recovery From losses, Royalex has moved firmly into profit territory. Q3 already showed a clear turnaround, and Q4 is expected to be even stronger.
✅ Institutional Confidence A strategic investor recently increased stake to 21%, confirming that insiders and institutions are positioning early.

Why Royalex is positioned to outperform
✓Very low outstanding shares
✓Small free float
✓Insurance sector recapitalisation theme
✓No dilution pressure
✓Strong turnaround story
✓Heavy accumulation ongoing

This is how big money is made — before the crowd arrives.

Investment Call
Royalex is no longer a sleeping stock.
The financials are improving quarter after quarter.
The sector rotation into insurance stocks is real.
And smart investors are already accumulating.
This is a BUY and HOLD stock.
Not for traders, but for wealth builders.
Those who buy now and hold patiently will be rewarded massively.
Royalex is building a new price level.
Position early. Hold strong. Let compounding do the rest. 🚀📈

Stockpromoter:
GOOD MORNING SMART INVESTORS
Market lesson:
The biggest money is made before the crowd arrives.
Yesterday, Royalex showed strength.
Supply is drying up.
Accumulation is ongoing.
Insurance recapitalisation is here.
Sector rotation has started.
Small free-float stocks will outperform.
Watchlist today:
🔹 ROYALEX
🔹 RT Briscoe
🔹 NPF
This is not the time to chase ₦30–₦50 stocks.
This is the time to position in ₦1–₦3 stocks with turnaround stories.
Early birds eat first.

SohSoh:
ZICHIS

1: ​Pronunciation : what will be the proper name to pronounce it
1 : Zi-chis 2 : Zic-His


​

Why would I buy at 2.18 (up 20%) when the company isn't even revolutionary?

This was a buy the hype trade

​My Stance: Just another "missed opportunity." If he like make go up 100% -200%
let the insiders have their fun. I'm not providing the exit liquidity.

gabscity:
Trading this stock is supposed to start by 1.45pm.

All orders were later cancelled.

emmanuelewumi:
What is the outstanding shares of the stock

ppogba:
Good luck to the guy and perhaps all those that heeded the call.
The truth is, if one runs away from Mecure then, it wouldn't be termed a bad investment decision. I await anyone to lecture me on what else Mecure does other than the diagnostic centers in Ibadan, Lagos and perhaps other places in Nigeria.

There are many in the category of Mecure like that.

Raider76:
I de salute Oga Nosa. Vitafoam hasn't even moved up before it starts coming down. Probably their March 2026 payment date is the problem.

KarlTom:
Sold at 800+

Sunrisepebble:
I exited my position at 868

Sunrisepebble:
I currently have 12 stocks in my portfolio, looking to bring it down to 6: BETAGLASS, GTCO, MTNN, NAHCO, PRESCO, SEPLAT, TRANSCORP, UACN, VITAFOAM, WAPCO, WEMA
ZENITH.
I love Zenith, MTNN, WAPCO, SEPLAT. I’m looking for more undervalued gems like Vitafoam for the new year. It’s been a while since I’ve analyzed the market.

emmanuelewumi:
Leverage is not bad.

What is bad is over leverage.

What is bad is using leverage without having cash flow that can liquidate the loan in 5 years or less, but focusing on capital appreciation for the servicing of the loan.


What is bad is using leverage on a stock whose Return on Invested Capital is less than inflation and the interest rate on the loan.

What is bad is using leverage when you don't know how to value and business and also incorporate the sustainable earning growth of the business into your valuation.

What is bad is not knowing about Growth At a Reasonable Price. Some of us buy growth stocks and the valuation given to the stocks are extremely high.

What is bad is the inability to identify quality stocks that are selling at a discount.


What is bad is using leverage based on the current valuation of our portfolio. Eg having a portfolio valued at N100 million, but the dividend paid in 2025 is N3 million and it is expected to grow by 10% for the next 5 years but you got a loan of N50 million against the portfolio. How can the dividend service the loan.

Whereas another investor with a portfolio of N100 million, but the dividend earned in 2025 is N8 million and it is expected to grow by 15% for the next 5 years. If this investor gets a loan of N16 million to N24 million against the portfolio. This is about 2 to 3 years of the current dividend earned. His portfolio dividend can easily liquidate the loan in 3 to 5 years.

Or using leverage for stock market investment should not be more than your total annual income from all sources for 2 years provided you don't have other outstanding loans or debts to service



Ask the Pastor that got a loan of N60 million to invest in Sterling Bank in 2005, what was the total dividends he hoped to get from his portfolio when he got a leverage of that amount, did he consider the valuation of Sterling Bank.



To do well using leverage you have to consider the following.

1. Valuation
2. Expected sustainable growth
3. Efficiency of the stock bought through leverage.
4. Liquidity of the stock bought through leverage
5. Your cash flow.
6. The leverage should not be more than thrice the most recent total annual dividend.


These are very conservative but it will give peace and the staying power to hold on when the market is bearish and that will happen at least once in every 3 to 4 years although the longer the bull market the more brutal the bear market

emmanuelewumi:
Top 10 stocks with the highest return in 20 years.


Transcorp should not be in the list, they had a share reconstruction.


United Capital should be in the list, they had a 2 for 1 bonus

emmaodet:
Why did you say most stocks are over-sold?
Because according to this Meristem research, the current ASI P/E is below average 5-years SD/-1
Which means fundamentally, the average stock needs to be priced up.

aj8:
Please ignore my brother. The eps was annualized.

Agbalowomeri:
I hope you know that the EPS is annualised?

aj8:
Common Sense Target for Nascon N206.72-N258.40

aj8:
What’s the organic earning? Common sense strategy has to be applied to organic earnings. Search aj8 organic for further insight. In that way, the next earning is more mathematically predictable. However, what’s organic in one sector may not be organic in another sector. We need to apply small common sense in such too. It’s all about averaging out our expectations. No stock can resist appreciation above a price 4x its FY EPS as long as the earnings were derived from sheer sweat and administrative sensibilities, not even one. That’s the heart beat of the Common Sense Strategy.

Streetinvestor2:
All these jijo guys no just allow the market rest
It looks this CGT go be blessing in disguise for real investors..lol.
I see serious drop in jijo next yr

jckgroup1:
Price may never see sub N500

Sunrisepebble:
The majority shareholder in Aradel, the PE firm, have sold off their holdings now

olig:
Haha! Now I get it, I didn't know that it can not be migrated. Thanks.