₦airaland Forum

You fit HOLD?

Itzlinda:
$25,000 invested in SanDisk one year ago is worth $1 million today.

Abeg make una find us another SanDisk. I wan retire early 😂

You don't need to advise them ooooo. They should continue selling... When I'm done buying and when those stocks start vomiting crazy monies some unguarded mouths will start screaming audio billionaire

Mankind2024:
When Your Portfolio Is Crying “May Day”
A Word for UBA and AccessCorp Investors

There are seasons in the market when everything appears easy.
Stocks rise effortlessly. Portfolios glow green. Confidence multiplies. Everyone suddenly becomes a market prophet.

Then comes the difficult season.

The season when even fundamentally strong stocks begin to bleed.
The season when investors in companies like UBA Plc and Access Holdings Plc begin staring at their portfolios wondering whether the market has lost its mind.

Those are the days your portfolio whispers:

“May Day… May Day…May Day”

I understand that feeling.

Opening your app daily only to see persistent red can be emotionally exhausting. Unrealized gains disappear. Confidence weakens. Doubts begin to creep in. Suddenly, long-term investors start behaving like short-term traders because fear is louder than logic.

But history has taught one important lesson:

The market is emotional in the short term and rational in the long term.

Many investors today are focusing only on price movement while ignoring the bigger picture. Temporary weakness in share price does not automatically mean weakness in business quality.

Both UBA and AccessCorp are not roadside companies built overnight. They are institutions that have survived multiple economic cycles, currency crises, regulatory shocks, recessions, and market panics. These companies have expanded across Africa, strengthened their earnings capacity, and continued positioning themselves for long-term relevance.

Yet the market can still punish them temporarily.

That is the nature of investing.

Sometimes the market creates fear first before rewarding patience later.

Many investors make a costly mistake during downturns: They confuse volatility with permanent loss.

A falling share price hurts emotionally, but the real question remains:

Has the long-term business fundamentally collapsed?

Have earnings permanently disappeared?

Has management lost strategic direction?

Has the institution lost relevance?


If the core fundamentals remain intact, then temporary market weakness may simply be one of those painful phases every serious investor eventually experiences.

The uncomfortable truth is this:

Great investing journeys are rarely smooth.

Every experienced investor has endured seasons where their portfolio looked hopeless. The difference between successful investors and frustrated investors is often emotional discipline during difficult periods.

The market has a strange habit: It transfers wealth from the impatient to the patient.

There were moments in history when investors thought banking stocks were finished. Yet many of those same stocks later recovered, expanded, and rewarded those who endured the storm.

This is not a call to blind optimism. Every investor must continuously reassess fundamentals and manage risk wisely. But it is also important not to allow fear and temporary sentiment to destroy long-term conviction overnight.

Sometimes the market simply tests endurance.

So to every investor currently watching UBA or AccessCorp struggle on the screen: Do not allow temporary red candles to convince you that your entire investing journey has failed.

The same market that creates panic today can create celebration tomorrow.

One day, many investors may look back at these painful periods not as the end, but as the uncomfortable chapter that tested their patience before recovery arrived.

Your portfolio may be crying “May Day” today. But markets have always reminded us that storms do not last forever.

Agbalowomeri:
You see now that dividends drive banks and not valuation

You know we've has some version of this conversation 2 times before.

Things look gloomy now but where do you things will be in a year's time?

Itzlinda:
$25,000 invested in SanDisk one year ago is worth $1 million today.

Abeg make una find us another SanDisk. I wan retire early 😂

I had this Mcard then..
Was the only one that remained less corrupt of the few ones I had then.

Then came their USB flash.
That can be used to even boot OS into the system unlike some other flash drives..
A go-to choice for most tech personnels and computer repairers.

Never knew it was a huge company not to mention a listed one on NYSE.

A widely distributed product in Nigeria all the way from US..

Though I don't play US stocks for now. But if I had, theres no way I won't have purchased it. It's no brainer.

nosa2:
You know we've has some version of this conversation 2 times before.

Things look gloomy now but where do you things will be in a year's time?

Yeah na the patience be Koko now.

Just zero mind for 18 months. Could be paying N5-N6 dividend by then

Managed to get some MTN at 804/5. Wapco at 309.

Makinde person need special energy to read your piece from beginning to the end. Na like this you sabi talk for real life?

Interesting days ahead for MTN. Make una dump that one too. I might consider topping up if it's dumped enough sha

deathwing:
Managed to get some MTN at 804/5. Wapco at 309.

lol
Agba is looking for gbas gbos

Agbalowomeri:
Makinde person need special energy to read your piece from beginning to the end. Na like this you sabi talk for real life?

Agbalowomeri:
Yeah na the patience be Koko now.

Just zero mind for 18 months. Could be paying N5-N6 dividend by then

That is why they tell people not to invest with their chop money or school fees.

megawealth01:
You fit HOLD?

Why not? You’re asking someone that survived 5 years in crypto including holding useless coins that went to zero f they can hold? 😂

Now compare that to real business stock that I know are creating actual value and generating profits.

My plan now is to have a separate account strictly for stocks I won’t touch no matter how rough things get. Long-term mindset only.

https://open.spotify.com/episode/6I50MDgtKWFK8fG5cSUidN

NGX Daily Market Summary for today.

Agbalowomeri:
You see now that dividends drive banks and not valuation

Better to adopt a dividend growth valuation model

The elephant is here
https://doclib.ngxgroup.com/Financial_NewsDocs/First_HoldCo_-_Audited_Financial_Statements_for_FY2025.pdf

Ooh. You trade crypto too? You na big person oooo

Itzlinda:
Why not? You’re asking someone that survived 5 years in crypto including holding useless coins that went to zero f they can hold? 😂

Now compare that to real business stock that I know are creating actual value and generating profits.

My plan now is to have a separate account strictly for stocks I won’t touch no matter how rough things get. Long-term mindset only.

Elephant for a reason

thebargainhunte:
The elephant is here
https://doclib.ngxgroup.com/Financial_NewsDocs/First_HoldCo_-_Audited_Financial_Statements_for_FY2025.pdf

Omor I no understand this elephant dance step again ooo.

https://www.youtube.com/watch?v=ECU_ehRUHCo

NGX Daily Market Summary

SonofElElyonRet:
Ok you are not obliged to take my advice.. do as you will.. clearly you are missing the point. Asotan oro ko da

Always missing the point.

mikeapollo:
I have realized that most Nigerians who become privileged or blessed don't know how to remain humble, modest, keep low profile and be less boastful. They think they made it because they are smarter than others, and those who are underprivileged or still struggling are less intelligent, less brilliant or not smart enough.
That is why whenever they have some anniversary or occasion to celebrate, they would invite musicians to sing their praises and use the opportunity to brag that they are better, superior to some unknown or imaginary rivals or enemies etc. Just to prove that they are ''above them''

Chai


But my boss megawealth01 is not boastful.

deathwing:
Managed to get some MTN at 804/5. Wapco at 309.

I buy small at 308 too. Make e fall below 300, I'd be so glad

naturalflow:
Omor I no understand this elephant dance step again ooo.

Results don't move FBNH.

megawealth01:
Ooh. You trade crypto too? You na big person oooo

Big person, eh. Crypto is how I got here though.
I bought at the top in 2021/2022 and held on, waiting for an altseason that never came, even after five years.
Last year I saw Presco Plc trending on social media. I checked the chart and realized I would have been very wealthy if I had invested in Nigerian stocks instead of crypto.
I found this thread through Google and read a few pages. That’s when I understood what investing really is all about. I realized I was just gambling with crypto, not investing.

emmanuelewumi:
Lafarge Africa at N320 and below

I noticed NAHCO didn't stay much at your target of below 200

mikeapollo:
I have realized that most Nigerians who become privileged or blessed don't know how to remain humble, modest, keep low profile and be less boastful. They think they made it because they are smarter than others, and those who are underprivileged or still struggling are less intelligent, less brilliant or not smart enough.
That is why whenever they have some anniversary or occasion to celebrate, they would invite musicians to sing their praises and use the opportunity to brag that they are better, superior to some unknown or imaginary rivals or enemies etc. Just to prove that they are ''above them''

Its not that deep

pluto09:
https://doclib.ngxgroup.com/Financial_NewsDocs/ACCESS_HOLDINGS_PLC_-_CLARIFICATION_ON_NON_PAYMENT_OF_DIVIDEND.pdf

una go explain tiya no evidence. Make una no pay H1 interim na #15 the SP go land.You ceos whr busy looting and using the money to buy properties in London and acquiring yeye banks in different yeye counties

Good evening all.
Pls I have some shares I bought around 2008 to 2013
Among them are
zenith Bank
Access bank
May and baker
Japaul oil
Eco bank transnational
I just stumbled on them within the after I heard about zenith Bank dividends.
I have about 2343 shares on zenith but for the last 10 years I have not received dividend.
Pls how do I go about receiving my dividends
Thanks

Streetinvestor2:
una go explain tiya no evidence. Make una no pay H1 interim na #15 the SP go land.You ceos whr busy looting and using the money to buy properties in London and acquiring yeye banks in different yeye counties

🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣

There is still time.

NSEstudent:
I noticed NAHCO didn't stay much at your target of below 200

So wema bank eps in Q1 2026 is more than their entire 2025 eps. Interesting.

Q1 2026 eps is 7.90 while entire 2025 eps is 7.08. this was achieved not recovering from loss o. i think the market is underating this bank. If the earnings hold for the rest of the quarter or even do 5 naira for the remaining 3 quarters, thats over 20 naira eps. Matching that of the fugaz like zenith and stanbic.. if we do PE of 3.5x thats above 100 naira... In less than 2 years wema go touch 100.. i need to beam my touchlight on this stock though not a fan of banks

Is there any blind spot i am missing.