₦airaland Forum

Agbalowomeri:
SUMMATION of information AVAILABLE to market participants reflect in the stock price

Ok oo. I gree for you!
You these ''awon alakowe alagidi'' .
Abeg allow our Oando to breathe small, make you no kill am for us.

Namaster:
The PISS deal was basically asking Palestinians to lie down and let the Israelis KILL them.

They want the Palestinian people to just stop fighting back.

The PISS Deal is just the PDFile asking the people of Palestine to make it EASIER for the Palestine to KILL them.

That's why they are so ADAMANT that Hamas must disarm.

It's a JOKE!

Nonsense!
Who owns Jerusalem and the land of Israel?
Which one was first to be built and occupied the place in contention: Solomon's Temple Mount or Al Aqsa Mosque?

God1000:
https://www.facebook.com/100068174061627/posts/pfbid044nvBMB3NVQQWho1VJZeMZCK8gpnhqyp1kCWCikv8FhPkb6zEJjWgUknhuqjaiinl/?app=fbl

Israel will eventually annex Judea and Samaria. It is matter of when not if.
There is no way some Arab Palestinians will claim sovereignty and rule over cities like Bethlehem, Hebron, Shiloh, Jerusalem! It will never happen!
These places are the core ancient Jewish and Biblical towns and cities with history and landmarks like the birth place of Jesus, the place the Ark was kept, the graves of Joseph, Rebecca, Isaac, Jacob, Abraham, Solomon's Temple etc.

Agbalowomeri:
Information creates perception

And there is always some information asymmetry in the market, so not all information is available to all market participants at all times, hence the price does not always reflect all information about a stock

Agbalowomeri:
Everything is perception

May be correct!
Which may counter and negate your previous postulation.

Agbalowomeri:
A stock price is a summation of all the information available to the investing public at any time T. There is a reason why ACCESS is selling at current price

So are you saying there is nothing like undervalued or overvalued stocks?

Toluway:
Access Holdings PLC.

*Dividends : No interim dividend declared; focus on reinvestment for growth..*
😁

If true, this is what may drag the price further down, and provide opportunity for long-termers to accumulate

Agbalowomeri:
ACCESS don do una strong thing

Access is a potential goldmine for those who can invest and wait.

pluto09:
It doesn't add up.
I have used all the numbers I could find.
The OS Should be about 53b after the RI

Market reaction tomorrow would be very instructive.

Ordinarily, Access should be doing around N45-50 comfortably

pluto09:
It is a solid one if the figures posted are correct.
The PAT looks somehow 1.23trillion or 1.23billion?

It is 1.23trillion.
But one needs to confirm number of shares used for the EPS i.e. if it includes those issued in recent mergers/acquisitions

fostermd:
*Access Holdings Plc (Access Bank Group) Half-Year 2025 Audited Results As of October 22, 2025* , Access Holdings Plc (the parent company of Access Bank Plc) has published its audited interim financial statements for the half-year ended June 30, 2025. The release aligns with the extended deadline approved by the Nigerian Exchange (NGX) and the Central Bank of Nigeria (CBN), following delays due to complex post-acquisition audits for subsidiaries like National Bank of Kenya, Standard Chartered Tanzania operations, and AfrAsia Bank Mauritius.
These results reflect strong growth amid expansion, with gross earnings up significantly year-over-year. *Below is a summary of key financial highlights from the consolidated statements* . All figures are in Nigerian Naira (N) unless stated otherwise.
*Key Financial Highlights Metric*
*Half-Year Ended June 30, 2025*
*Half-Year Ended June 30, 2024*
**Year-over-Year Change*
*Gross Earnings*
N3,852 billion
N2,056 billion
+87.5%
*Interest Income*
N3,124 billion
N1,678 billion
+86.2%
*Non-Interest Income*
N728 billion
N378 billion
+92.9%
*Operating Income*
N3,456 billion
N1,892 billion
+82.7%
*Operating Expenses*
N1,892 billion
N1,045 billion
+81.1%
*Profit Before Tax*
N1,564 billion
N847 billion
+84.6%
*Profit After Tax*
N1,234 billion
N678 billion
+82.0%
*Earnings Per Share (Basic* )
N8.45
N4.65
+81.7%
*Total Assets*
N32,456 billion
N20,134 billion
+61.2%
*Customer Deposits*
N20,789 billion
N12,456 billion
+67.0%
*Loans to Customers*
N18,234 billion
N11,789 billion
+54.7%
*Shareholders* ' Equity
N4,567 billion
N3,012 billion
+51.7%
*Notes on Performance*
*Growth Drivers:* The surge in earnings was fueled by higher interest margins from loan expansion and fee-based income from digital banking and trade services. *Acquisitions contributed* ~15% to revenue growth.
*Cost Management:* Cost-to-income ratio improved slightly to 54.7% from 55.2%, despite inflation pressures and integration costs.
*Asset Quality* : Non-performing loan ratio stood at 3.8% (down from 4.2% in H1 2024), supported by proactive provisioning of N456 billion.
*Capital Adequacy:* Common Equity Tier 1 ratio at 18.2%, well above regulatory minimums, reflecting robust capitalization.

*Dividends : No interim dividend declared; focus on reinvestment for growth..*

The full audited consolidated and separate financial statements (including auditor's report from Ernst & Young) are available for download on the official investor relations page: Access Holdings Financial Releases. For the complete PDF: H1 2025 Audited Financial Statements.

These figures don't look bad though.
Access may spring a positive surprise, after all

zendi:
Jump Jump Dump.

Hmm, make Oando Director, Mike Appollo log on.
You go see wetin you dey find.
Wey you dey use his investment write bad poem.
No run o.

Lol
Zendi our Oando CEO!
We the small Oandoites no get mouth; we just dey watch dem make jest of us.

Agbalowomeri:
Dump

Lol
Oando don suffer for NGX! Only the ''prophet'' and very few ''believers'' remain loyal!

BlackViper:
https://lifestyle.thecable.ng/paddy-adenuga-announces-engagement/

Even the very rich men acknowledge God's existence, yet the poor, foolish man says there is no God!

zendi:
This man is yet to tell me how the taxman will know when paid and taxable sex happens.

https://nairametrics.com/2025/10/22/international-investors-are-frustrated-with-taiwo-oyedele-reports/

Lol.
Mr. Taiwo is actually a very fine gentleman.
I just hope this tax reforms assignment does not make him suffer some reputation damage after the current govt might have left power, as usually happens to many technocrats and academicians

Niiade:
There is a lot money hanging around needing where to be injected to, this investment would be too good to pass off for trillion of uninvested and invested naira. There is only one right now and for a long time to come.

When there is high inflation and uncertainty, people need to invest and earn some returns to mitigate the loss of purchasing power, instead of savings.

unite4real:
a lot of money will be refunded due to possible oversubscription. It might even take several months to return some money without interest. I wont be surprised if they prorate the offer such that most people will have about 90% of fund returned back.

Dangote flour pubic offer comes to mind

There is a way to beat them to it.
I learnt the trick after I suffered what you said during the 2005-2007 stock market boom when many applications were refunded

Agbalowomeri:
Unending listing stories

I think interested investors should prepare and get ready for the listing or public offer; likely 1st quarter 2026.

DystopianMuse:
10 Percent is too small. Should also give opportunities for others as well. Yes, control is key but at least, share the wealth and stock buy back over the years is still an option as well. Well!!.

How is it too small? Do you know the business plan/strategy?
He cannot just sell off anyhow after struggling on his own to build the refinery.
He says he will sell the shares incrementally, beginning with about 10% to the public. NNPC already owns 7.2%

Jennyclay:
They can send their selves to the afterlife, that’s none of my business

Evil men everywhere!!

''None of your business'', until it reaches you or your loved ones one day.

ositadima1:
No, I don’t think so. Lithium isn’t the only viable substance for making batteries. We have sodium in abundance, and scientists are working to use it as a replacement for lithium, they’re not there yet, but they’re close. There are also other elements and technologies being developed that could serve the same purpose.

I don’t know how old you are, but let me give you a few historical examples. Kodak, in the 1980s and early 1990s, was what Samsung or Apple is today, a market leader in photography, especially in film. When digital photography was being researched and tested, Kodak dismissed it, believing it would never work. They ignored diversification and failed to invest in the new technology. Eventually, the Kodak empire was destroyed by digital cameras and the rise of digital images.

There are many other examples like that, Blockbuster vs. Netflix, Nokia/BlackBerry vs. Android. Even the small devices we hold in our hands today, which we call phones, were once unimaginable. Computers in the 1970s were so large that only institutions could afford them. Today, each of us carries a mobile computer. Change is constant.

Very true and apt.
But I dont see anything replacing aviation fuel in our lifetime.
Aircraft using batteries? Mbano! I no go board such plane lailai !

Agbalowomeri:
Wahala
E be like say guyman dey make plenty money for this refinery

Exporting to Europe and US and earning hard currency is a big deal and game changer.

naturalflow:
If the news of acquisition couldn't move ellah,I don't know what else can!

Get ready for multiple scenarios and events!

Ellah part 1, Ellah part 2 ....... e ma dancia, Akande ooo!

It is there in one of Obesere's songs!

Makanjuola89:
OANDO is back. There is someone with a money bag currently in the market

''Back'' or ''coming back'' gradually?

SonofElElyonRet:
Let me hear him out nawu
If it falls to an attractive level I might "gamble" with some funds and consider such funds lost so I don't get disappointed.. but the price has to go substantially ly low for me to consider investing.. 20+

You want Oando dragged to N20+?
Nitori Olohun, Aye ma n'ika o!

O ye Oandoites, who did you offend?

SonofElElyonRet:
Add some meat to this prophecy.. what's the price it'll reach and what's the time frame?

E be like say you dey use one eye show interest in Oando.
Are you prepared to take a dive into the ocean of ''Ocean and Oil'' ?
Are you ready for the high waves of uncertainties and stress this time? Or you are now a believer in the ''prophecies'' of the ''prophet''?

Kingpele:
If not ignorance from Ghana side and hatred from yoruba Muslims, is it a crime to chose the head of your tribesmen anywhere u found yourself... even in America they have Ezendigbo and all over Europe, they do their business including new yam festivals without the hosts feeling threatened, infact I have watched clips of pure whites putting on igbo attire and joined them during their festivals but iAfrica is something else...Africans are primitive and I think we need another round of colonisation....

America is not Ghana!
Every African tribe has their tradition and cultural values and every stranger or immigrant living in the community must respect them. You cannot impose your way of doing things on another man's land or country

bovali:
Access Bank

What's your take on Access? Time to mop up or time to dump?

toyeoye:
I thought the market would remain cautious through December/January because of the possibility of a year-end sell-off could emerge as big investors and corporates may rebalance ahead of the new Capital Gains Tax rules.

Yes, the market used to be relatively bearish in Dec/Jan. But this year may be worser because of the CGT nonsense by the govt, unless investors figure out a clear way to circumvent the tax or govt drops the idea totally.

chiagozien:
Ghana are not complaining, but Yorubas will start telling them to start attacking Igbos.

Are you blind and deaf to see Ghanaians demonstrating against the so called act?
When would you stop bringing others into a matter you caused and does not concern them?

Biodun556:
Iran’s supreme leader Ali Khamenei tells US President Donald Trump on X to keep dreaming in reaction to his claim that the US destroyed Iranian nuclear industry

https://www.facebook.com/100064650881604/posts/pfbid07iSRSi1fWmWXqHh4NnPAiJDzDo3BmKa8Vm4v4RGheXbF7LV2Kx4c2FgJVMDFnFGwl/

Instead of him to keep quiet and let the matter die down.
The truth is, US has the power and capacity to destroy everything if they really want to. If they missed the first attempt, they can strike again and destroy everything. Mossad is operating in Iran and they can still leak more secrets of the nuclear to US and Israel

KarlTom:
This whole media outcry is a result of a contractual lapse on their part.

Evidently Mr Tinubu has deployed his legal skills to incapacitate them else they would have sought redress in the courts instead of resorting to cheap blackmail...

A negative media outcry by business partners against Oando would be be bad for the company if sustained.
Wale T. better address these issues amicably and quickly; a company preparing to raise debt an equity capital needs all the goodwill it can garner for a good result.