₦airaland Forum

Weekly Investment reseach reports of Stock reccommendations mentioned on Nairaland since last week

GUINEA INSURANCE presently on our unique Technical analysis . Though we have over 200% increase in usual volume, no indication for short or long term trading oppotunity.

Stockpromoter:
🔥 GUINEA INSURANCE (GUINEAINS)

One battered insurance penny stock I’m watching closely is GUINEAINS.

📊 TECHNICAL SETUP

The stock has been heavily sold down and is now sitting around the ₦0.66–₦0.68 support zone.

What I’m watching:

🟢 ₦0.66–₦0.68 — key support/base
🟡 ₦0.70–₦0.75 — recovery zone
🚀 ₦0.75–₦0.78 — breakout trigger
🎯 ₦1.00 — first major psychological level
🔥 ₦1.10+ — potential rerating territory if momentum develops

The important thing is volume.

A decisive move above ₦0.75–₦0.78 with strong volume would suggest that buyers are finally taking control.

🚨 THEN COMES THE Q3 CATALYST

Guinea's Q3 2026 forecast points to approximately ₦2.78bn PAT.

That is the number to watch.

If the actual Q3 result validates anything close to that earnings projection, the market could start looking at GUINEAINS very differently.

So the setup is simple:

Battered chart + ₦0.66–₦0.68 support + volume breakout + strong Q3 result = potential insurance rerating setup.

👀 GUINEAINS is one to keep on the radar.

The key question:

Will Q3 earnings provide the fundamental spark that finally sends the technical breakout into motion?

Not financial advice. Q3 forecast is not actual reported earnings.

Thanks, BOSS. You are detailed and realistic. The write-up by one NKEM was filled with hatred and prejudice.

essentialone1:
Here is what the GTCO Bank Plc audited H1 2026 filing actually shows:

*Verified P&L - H1 2026 vs H1 2025:*

- Gross earnings: N1.11tn, +3.25% YoY
- Interest income: N873.39bn, +7.51%
- Interest expense: N223.79bn, +24.24% - driven by 39.8% surge in interest on customer deposits to N205.77bn
- Net interest income: N649.60bn, +2.75%
- Loan impairment: N18.72bn (+11% YoY), or (-65.94%) vs H1 25 depending on classification, but both agree it is low at under N19bn
- Net fee & commission: N123.03bn, -8.98%
- Other income: N44.35bn, -37.5% from N70.92bn
- Trading gains: N47.3bn, +24.7%
- PBT: N603.03bn, +0.35% from N600.9bn - flat
- Tax: N188.85bn, +24.33% to N188.85bn - effective tax rate 31.3% vs 25.3% last year due to CIT changes, non-deductible expenses, development levy
- PAT: N414.19bn, -7.76% from N449.01bn
- EPS: N11.18 vs N13.59, -17.73% - fall is steeper than PAT because of increased share count from 2024/25 capital raise.

*Balance sheet:*
- Total assets: N18.62tn, +4.81% from Dec 2025
- Customer deposits: N13.97tn, +11.32% from N12.55tn
- Loans: N3.15tn, +0.48% from N3.13tn
- Total equity: N3.32tn, -2.82% - decline driven by dividend payouts, not losses
- Cash: N4.14tn, -21.72%

*What actually happened?*

It is not a "disaster" or "institutional decay." It is a classic Nigerian bank H1 2026 squeeze:

1. *Funding cost squeeze:* Interest income grew 7.5%, but interest expense grew 24.2%. That wiped out most of the NII gain.
2. *Tax squeeze:* PAT fell only because tax rose by N36.9bn. PBT was actually up. This affected all banks due to new CIT rules on capital allowances and development levy.
3. *Non-interest weakness:* Fee income and other income fell, as you noted. That was offset by trading gains.

Management's own comment: "Fair value movements weighed on reported earnings, but the core business held firm... asset quality improved" - with focus on non-banking growth. HabariPay, Fund Managers and Pension together did N15.94bn PBT, +85% YoY.

*Market reaction:*
Shares fell 3.3% to N132.50 on Tuesday Sept 29 after publication, despite being up 46.1% YTD from N90.70 at start of year. Board kept interim dividend at N1.00, same as H1 2025.

*On the Zenith / Fidelity / female leadership comparison:*

Q1 vs H1 is not comparable. Zenith Q1 PAT of N314bn is a quarterly figure, GTCO H1 PAT of N414bn is half-year. And loan growth of 0.48% is a deliberate risk decision across tier-1 banks after CBN recapitalization — preserving asset quality, not "hoarding."

If you want to judge GTBank vs peers, compare H1 2026 on same basis: NIM, cost-to-income, effective tax rate, and deposit growth — not gender narratives.

GTCO is not losing its golden egg status, it is repricing deposits and paying more tax. The real question for H2 is whether it can convert its N13.97tn deposit base into risk-adjusted loan growth without impairing asset quality.

As of Friday, ETI enjoyed an unusual volume spike. It is also 41.23% undervalued. Conclusion:A good candidate for Jump IN Jump Out JIJO

ProphetUtuocha:
https://msmeafricaonline.com/ecobank-announces-2-6bn-loan-portfolio-for-women-sme-agribusiness-by-2030/

Ecobank will shock folks.

Here is the link for this week's edition, enjoy

https://drive.google.com/file/d/1P_RV22aF41aMk9JoiYPG1uKmvvORTSlZ/view?usp=sharing

johnok:
Weekly Stock Picks Summary & Analysis Is Here! 📊📈

Hello Everyone,

(Nigerian Stock Exchange Market Pick Alerts) has been an incredible space where many of us have gained valuable stock recommendations that have helped improve our financial journeys.

To make these insights even easier to track, analyze, and reference, I am starting a weekly summary and analysis of all stocks mentioned in this forum, released every Saturday—starting today!

What to Expect Every Saturday:
Complete Pick Recap: A clear list of every stock ticker and recommendation shared across the forum during the week.

Key Analysis: Quick technical and fundamental takeaways, price triggers, and sentiment highlights.

Downloadable PDF Format: A clean, organized document you can easily save, review, and keep for your long-term research and portfolio tracking.

Keep an eye on the group for today's maiden edition dropping shortly. Let’s keep building wealth and making smarter investment decisions together on the NGX!

Feel free to drop any feedback or suggestions once today's edition is posted.

Weekly Stock Picks Summary & Analysis Is Here! 📊📈

Hello Everyone,

(Nigerian Stock Exchange Market Pick Alerts) has been an incredible space where many of us have gained valuable stock recommendations that have helped improve our financial journeys.

To make these insights even easier to track, analyze, and reference, I am starting a weekly summary and analysis of all stocks mentioned in this forum, released every Saturday—starting today!

What to Expect Every Saturday:
Complete Pick Recap: A clear list of every stock ticker and recommendation shared across the forum during the week.

Key Analysis: Quick technical and fundamental takeaways, price triggers, and sentiment highlights.

Downloadable PDF Format: A clean, organized document you can easily save, review, and keep for your long-term research and portfolio tracking.

Keep an eye on the group for today's maiden edition dropping shortly. Let’s keep building wealth and making smarter investment decisions together on the NGX!

Feel free to drop any feedback or suggestions once today's edition is posted.

bastardson:
Please after selling a stock on Morgan Captain, how do I move the money to available balance. I wanna buy a different stock

If it doesn't appear automatically on available balance, you are yet to activate trading account status.
Ask or call Morgan, there is a form you will fill. Meanwhile the proceeds of your sold stock will arrive in your account after 3 working days

Don't be decieved, it will not be there at the end of the day.
It happened to me, My son bought Oando at N80, because he needed his money urgently and oando was on offer for
N73. I offered his on Morgan for N80,then log in into my account on Morgan and click his offer to buy at N80 per share.
To my surprise, Morgan sold to me at N80,but my son's offer was not filled.
In such a case , you know Morgan is warehousing such stock, they just filled up from their own stocks.
I COULDN'T BELIEF THAT

vacanci:
Guys, i need some clarifications pls.

Placed order on Morgan capital to buy WAPCO at N77.15. Total units requested on that price was filled but at N70.15. I guess because there were no offer at that upper price.

Now i was thinking i should have credit balance in my wallet but nothing is there.

have i lost the difference for bidding higher, even when i got it less at the prices?

You now have the right to buy 600,000 unit at N25 per share

designking:
Does it mean if I have 100,000 units of FBNH shares, I will now have 600,000 shares given the ratio of 1 to 6?

CHAMS result:
https://chamsplc.com/wp-content/uploads/2023/10/CHAMS-HOLDING-COMPANY-Q3-UNAUDITED-FINANCIAL-STATEMENTS-2023.pdf

emmanuelewumi:
I buy through Stanbic IBTC Bank and Stanbic IBTC Stockbroker

MY OGA
i am highly interested in this. I want to know step by step on how to go about it. I have tried to link you up privately sir. My email is okunolaglory@yahoo.com .whatsapp 08035356001 PLS HELP sir

silaxx:
Pls did you use the card directly to fund or used google pay?

Thanks for this information. I have been battling with funding my account. Kindly educate us on how to go about it

YoungBuffet:
Stories! Whatever you get on those per share is not up to 0.40$ and the stock that has done around 300% is going to $10 which is around 3000% that is just a stock in my portfolio and am also withdrawing my gain at almost 900/1$ so dey play😂😂😂😂😄

Boss, I am highly interested in US stocks. I have sent you a PM, kindly respond. you can also link me on Whatsapp 08035356001

Wooh, That is great .Kindly share the treasury Bill tread here for the benefit of newbies like me o

comatekeke:
I said I will give an update later.
This is the update.
I finally sold my units of CHIPLC for a profit of N259,275.87 in addition to a dividends of N63,801.46
Thank you to all the contributors of this threads with special mentions to the following monikers.
@yMcy56
@Mfunkynation
@Zagee
@feelamong
@emmanuelewumi
and anybody else that I forgot.
Another special thanks to @feelamong for creating the TB thread.

modelsms:
They shouldn't have been added as a respondent

Error number one. It made Tinubu defence so easy. The problem with Obidients is their flagrant disrespect for constituted authority!!!. Noone or institution is too noble for their attacks.

Esinwaju:
Shut up and get lost! A guy that brazenly identifies with separatists ideology even to the point of using tribal slur that originated from those he shows open solidarity is who you want Yorubas to support? What are you? Retarded? Okorocha's woes began the day he chose to join the merger that produced the APC. He has been demonized till this day for that but here you are, stupidly expecting us to do otherwise. You think you can con and fool us but you have failed big time on this one.

I am surprised *LABOUR PARTY IS PRESENTING* this type man.That is where they missed it. No Ipob man will rule Lagos!!! Sanwolu will beat him silly.

Thanks for being there for us always sister. I send a DM to you ma

yMcy56:
STANBIC
The SUV is back on the road again....
https://nairametrics.com/2023/02/20/stanbic-ibtc-the-suv-is-back-on-the-road-again/

APR
Result to be release on/before 1st of March 2023....
To pay dividend....
https://doclib.ngxgroup.com/Financial_NewsDocs/37663_AFRICA_PRUDENTIAL_PLC%20BOARD_MEETING_RESOLUTIONS_CORPOR.pdf

GANDALF1:

Because of you and all you have said, From this moment,I will be in a guest mode for a while if not permanent exit.In

You even wrote it in bold

Rather that dispute why knowledge is better than experience, you are threatening to leave

Those that left before you, did they announce it? Attention seeker

yen yen yen

Can you please allow " THE SLEEPING DOG LIE?"

jayifeanyi1234:
Good day Everyone,

Pls, when is Vitafoam qualification date?

Thank you.

Vitafoam Nigeria Plc

final payment N1.50

Qualification;11th February 2022

Payment ;4th March 2022

Can you please show us the site where we can get fair value like this sir

ositadima1:
NB is better than Guiness based on a stock valuation site I follow.

According to the site NB is currently at 27% below fair value and earnings are estimated to grow by 34%, while Guiness trades 10.8% below and future earnings growth estimate of 15%.

Now, this doesn't take into account d current results being released o.

congratulation boss[b][/b]

Tyche:
Closed at 38080 with some decent profit .

Good afternoon house. Regards to all my ogas in the house. Pls I am new to crpto. ,I want to know how best to fund my Binance acoount USDT with Naira. I want to buy usdt. Thanks

Morgan Capital

marylandcakes:
Hello house can someone recommend the best broker app for Nigeria stock exchange for those that live outside Nigeria. Many thanks.

megawealth01:

ECONOMY: Nigerian Equities Index Gains 50.03% in 2020 despite 41% Drop in Foreign Portfolio Inflows…
We expect the equities market rally witnessed in January to mellow in the months of February and March, despite the
anticipated dividend payment announcements by corporates in the months, as share prices have risen to levels where
the dividend yields appear to have been streched. This is more so as the fixed income yields are beginning to rise…

.....COWRY ASSET

megawealth01:
Good news for some stocks... Make I no mention names ooooo before enemies say I dey monkey hunt

We all await their reports today. My oga, take style drop the names now

The Monetary Policy Council (MPC) of the Central Bank of Nigeria concludes its bi-monthly meeting later today. The economy may be close to exiting recession and inflation is going up (15.75% y/y in December). But we think the MPC will will keep its policy rate (MPR) at 11.50%, though with increased commentary on the need to contain inflation.

investor are just being cautious

THE HIDDEN SKELETON IN SOMEBODY'S CUPBOARD
....Three months to the end of Tinumbu tenure in office,he took a gargantuan loan. The loan repayment was to start after eight years.As it were,Fashola would not bother since he will not have to pay a dime throughout his own tenure.
When journalist asked Jagaban why the loan at that tail end in office, He said the loan is needed for DRAINAGE IN LAGOS. Can you imaging!!!
Now Ambode is reacting under the burden.
"Oyinbo my oti,Oti n pa kuku"
The white took too much of alcohol, his cook is now drunk in his stead.
Nigeria!!! Next Level!!!

THE HIDDEN SKELETON IN SOMEBODY'S CUPBOARD
....Three months to the end of Tinumbu tenure in office,he took a gargantuan loan. The loan repayment was to start after eight years.As it were,Fashola would not bother since he will not have to pay a dime throughout his own tenure.
When journalist asked Jagaban why the loan at that tail end in office, He said the loan is needed for DRAINAGE IN LAGOS. Can you imaging!!!
Now Ambode is feeling reacting under the burden
"Oyinbo my oti,Oti n pa kuku"
The white took too much of alcohol, his cook is now drunk in his stead.
Nigeria!!! Next Level!!!

ok ,just passing by

This story cannot be real!!!

I agree with u! It's better to attend good tutorial and make your Jamb straight.However you are already a professional teacher. That is a plus