₦airaland Forum

EDUECO:
Ote cares more about the stock price((GEREGU is a good example).

He can take First Bank to 100 Naira, remember he is a FORBES billionaire.

that hard in banking. He is after buying assets of debtors through backdoor at discounted prices from banks.

Sunrisepebble:
Why do you think CBN asked them to go and raise capital, you think it’s truly because of $1trn economy. This is part of the reason.

abi. Oga try looking at transnational Corporation(transcorp) conglomerate discount. Think there is a huge opportunity there. They will receive up to 32 billion in dividend income and management fee from their subsidiaries. This real earnings not like that of last year with sales of shares.

Raider76:
The Nigerian stock market is not important to the policy makers because only about 5% of the population are involved in it. Even those billionaires who made money in the market are being viewed with malicious envy. That is why the CBN is not bothered about making careless statements knowing full well that they can crush the market.

like this point of view. .

Sunrisepebble:
You’re thinking just like me. Was looking to load for some of the banks.
Apparently it will affect some of the FUGAZ because they have breached single obligation limits to Dangote. That’s what I’ve heard from someone

A lot of Nigerian banks are currently dealing with poor asset quality—many of the loans on their books aren’t performing well, and capital buffers are thin. At the same time, the Federal Government is reducing local debt issuance and shifting towards foreign borrowing to fund the budget deficit and ease pressure on local interest rates.

As local yields fall, bonds with higher coupon rates will become more valuable, so some banks may record bond revaluation gains. But that’s just paper profit—it doesn’t solve the real issues with bad loans or weak capital.

Personally, I tend to avoid over-regulated industries like banking, especially in markets where fraud and creative accounting are still too common. When I but it at 0.30 to 0.5 of book value

kpankpangolo:
Maybe I’m doing it wrong. I’m very sure the twenty-six and twenty-eight year olds begging me for marriage are Gen Z. They were born in 1999 and 1997 respectively. If anyone is chasing a 25 and under female, na him do himself. Even at that, there are some who’ll like you too much to do anyhow.

they won't fixed how they attract and incubate failed parenting. Am with one married sef, we respect boundaries. At 30s a man must know himself and sail is own ship. You guys are mostly attracted to people with failed parenting. I work with them in my office too without issues.

havenz:
Make I hear say this guy no nack this EX in one month time. God abeg bless our ex's when you bless us so that our home go dey bless too.

with wetin she bag 🎒. This na vice wife

Gbadugbakun:
How much have you given your own girlfriend for shopping?

are they still asset. People have money to spend doesn't make them intelligent.

Agbalowomeri:
Na inside potopoto pigs dey chop so no cost

lol, they wanna make money always 🤣. Nestle expanding it moat and pricing power, now inflation is killing it foreign competitors, transnational Corporation is trading at forward p.e around 5 people they look . People following ellah lake, hmm all investors fund dey submerged.

motymop:
These returns are lies. They are built on perception rather than truth.

The problem with this data is that they didn't say the price, they bought and sold.

They presented the data as if stocks is like a money doubling scheme where as there are other companies that did very poor.

In 2023, the lowest price of transcorp stock was N3.19, it highest was N19.20

If you put 1m at N3.19 that is 313.5k shares
If you put 1m at N19.20, you will get 52k shares


In 2025,, the lowest price of transcorp stock was NGN 42.90 and the highest is N43

If you sell, 313.5k shares at 42.90, you will make N13.4m but your profit is 12.4m

If you sell 52k shares at N43, you will make 2.2M but your profit will just be N1.2M

So your profit depends on the amount of shares you have, the price you bought it and the price you sold it

that transcorp is a 10x max as there was shares reconstruction. 4unit to 1 unit. N44 is N11. But that hotel I don't understand.

Show any pdp president with 30km express done in 2 years, was the budget initiated immediately. They can do better but 30km in 1year few months that massive.
They will achieve 250km soon. APC is a pandemic but PDP lead us there. None is better.

EyeCumInPeace:
30km/750km=4%

It's height of foolishness to commission a project that is mere 4% completed started.

Chilipepper:
Mom of Six Reveals her Date’s Reaction after She Told Him about Her Status.

a man with worth

Ahmed0336:
Oga lemme be honest with you, once your wife starts to notice you no longer beg for sex and you're always happy, that's when things will fall back in place.
I don't have to tell you what to do.

that is it, distract yourself with something creative that you enjoy before marriage. Take care of yourself, dress well and go out, drive for fun, watch movies, play games, write. Learn to be happy it yourself. My madam is schooling currently, she give all kind of excuses some years back. I changed my clothes, got nice shoes. I got to be alive once nobody will decide my faith not even the kids I didn't do DNA for lol. Na one life don't over sacrifice, what will be will be. Some weeks back she bought shoes and all stuffs for me I thanked her. Then overhead her on phone said, " this one I married na jaiye! jaiye!, na woman raise am, Ejika lo gbemi si(carried on my shoulder) I.e easy to offload. Who loves the most sacrifices the most.

pocohantas:
Most likely fabricated, but years ago someone told me if he marries me, I will resign my job and stay at home. He said he would give me 30k a month. I was earning 282k at the time. Things are really happening.

he isn't well.

emmaodet:
My concern with stocks like betaglass and vitafoam is the business itself.
Vitafoam is not your everyday consumption. You buy it once and for the next 10 years, you may not need another one coupled with the fact that there are many competitors I. The market.
So the earnings may not be consistent.
For Betaglass, the long term sustainability is shaky because government is forcing companies to be switching away from bottles.
I am even surprised that they made grate sales in Q1/25.
Not only did they sell a lot of what they produced, their inventory went down alot which is impressive.
Wondered what happened between January and March to warrant that since it is not festive period when people drink a lot.
But what is obvious is their operating leverage.
Since management and companies have little to none control over cost of goods affecting gross margins, the bulk of reducing operating expenses lies on good management of a company which they have proved.
That is a good management there

Vitafoam has subsidiaries and foam are not one time thing. They use in packaging, furnitures, noise proof, underlays e.t.c and with population of more than 90 million 18-45 people that will get married, upgrade house. They fall in the construction sector which is booming currently.

GeeKudi:
This BETAGLASS that keeps going up, when they eventually want to sell, who will buy from them?

. Stock market is a weighing machine. With time everything settle at it real value. Company earnings jumping to N14 this quarter, previous quarter N10, just like Nestlé Operating profit to revenue. That massive pricing power. Earnings are very vital in stock revaluation. This might be N400 in 2 years once rates are down.

mrvitalis:
Bayo is funny Nigerian GDP per capita in 1960 is 93 dollars

But 93 dollars in 1960 is equivalent to 1004 dollars today when adjusted to inflation

Guess what Nigeria's GDP per capita today is less than 1000 dollars ... It's 880 dollars

So it's obvious Nigeria GDP per capita today is worse than 1960s

God bless you, warming up my voters card to vote out this disillusioned people.

pluto09:
Thanks , that alligns with my calculation.
I don't know how they arrived at their own figure of N3.74.

noticed that too.

zendi:
This your bolded caveat further persuades me of your good understanding of the biz, amongst of course, other analysts like crownprince2017 who equally have their own valid viewpoints.

Many tend to overlook or forget the place of rubber production and exportation in the Okomu/PRESCO success story.

we are all learning. Just hope they have balls to hold on when bets are down 50%. Remember 2019 Olein which refined Palm oil was trading at discount in Malaysia and Indonesia, OKOMUOIL drop from around N80 to N44 by 2019, we added more ni and no shaking even okomu md Hafar was worried has stock plenty no customer and palm oil was being dump here by importers, no industry is recession proof reason to have some bonds quality short-term bonds and cash. When people dey craze you are liquid.

Harvestock01:
See this as a form of affirmation of your position:

https://finance.yahoo.com/news/anthony-scaramucci-once-purchased-1-160226439.html

yes sir

zendi:
You sound sharply knowledgeable in the industry.
Any thoughts or solid info on Ellah Lakes?
It had been a baby stock since Onyiuke/Soludo era that I came into the market.

Am an
enthusiast on investing reading and sitting on my ass behavioral advantage just favour me ni. don't know much about them but would love to visit the farm if anyone can give the exact location or contact, i don't like inspirational promoter

Streetinvestor2:
Drop like by how many percent should we be expecting

probably 450 range, the international price kpo is reducing as oil price since quite a lot is used in bio fuel which will affect it demand. Price reduced most times in 3rd quarter then volume in storage very low, rubber price seems to be increasing internationally so could be wrong on my assumptions.

crownprince2017:
This simply shows you know nothing about the business or you are being economical with the truth.

Q1 happened to be the harvest period of palm oil which means we have being in abundance season of palm oil.

We are just moving to the sarce period, now tell me wat will make the profit to decline.

less volume production, i have OKOMUOIL on my portfolio since 2018, had presco in 2020 at N40, added in 2023 at N180. The result will surprise us. My average holding time is 4years. We all can learn together.

Why does it feel like people only post their wins? Like losses don't exist in the market? Let’s be real—stocks go up and down. Universal Insurance was around 80 kobo at one point, now it's hovering around 50 kobo. Prestige Assurance? It was about ₦1.30, now closer to ₦1. Even the big guys aren’t spared—Dangote Cement has pulled back too.

People need to understand that risk is part of the game. In a real bear market, a lot of folks will panic and disappear—never to return. But that’s when opportunities often show up.

Take Beta Glass, for example. It underperformed for about 3 years. I first bought it at ₦57 back in 2022. It dropped as low as ₦36—I added more around ₦38. Why? Because I was focused on the business, not the noise. It was trading below book value, and this is a company with monopoly-like strength in its sector.

Consistent, average returns over time aren’t easy. But that’s what real investing is. This isn’t a get-rich-quick game—it’s long-term wealth building, and sometimes that includes holding through the tough seasons.

fashionnisir:
₦100,000 invested at the beginning of the year and how it has performed as at 30th April, 2025:


31 Bought Chellarams Plc - ₦ 213,243.27

NOTE
As of Friday 24 jan 2025 price of Chellarams plc was ₦4.10 each divided by ₦100000
multply by current prices ₦7.90 =192,682.9

32 Bought Vitafoam Nig Plc - ₦ 142,792.56

As of Monday 03 Feb 2025 price of Vitafoam Nigeria plc was ₦32.55 each divided by ₦100000 multply by current prices ₦47.55=146,082


3 3 Bought ETERNA PIC - ₦181,636.18

As of Thurs 6 Feb 2025 price of Eterna plc was ₦31.50 each divided by ₦100000
multply by current prices ₦45 =₦ 144,927


34 Bought Scoa Nig. Plc - ₦216,999.80

As of Thur 14 jan 2025 price of Scoa Nig. plc was ₦2.27 each divided by ₦100000
multply by current prices ₦4.47=₦223,500

35 Bought Presco Plc - ₦165,266.05

As of Friday 3 jan 2025 price of Presco plc was ₦493.8 each divided by ₦100000
multply by current prices ₦785 =158,971.24

36 Bought NNIG. Flour Mills Plc - ₦170,842.50

37 Bought NCR (Nigeria) Plc - ₦132,727.29

As of Friday 3 jan 2025 price of NCR plc was ₦5.5 each divided by ₦100000
multply by current prices ₦ 7.3 =₦132,727.27


These to say that Scoa Nig. Plc performed more than the rest.

I love seeing posts like this that track investment returns, but let’s also be honest about what’s not shown.

This post shows ₦100,000 invested in Chellarams, Vitafoam, Eterna, Scoa, and Presco earlier in 2025—and how they’ve done by April. Some numbers look great, like Scoa going from ₦2.27 to ₦4.47, turning ₦100k into about ₦223k. Chellarams and Presco too, looking solid.

But here’s what’s often missing in posts like this:

1. Selection Bias – We only see the winners. What about the stocks that flopped? For example, Universal Insurance dropped from about 80 kobo to 50 kobo this year. Prestige is down too. Even Dangote Cement isn’t immune to red.


2. Short Time Frame – January to April returns don’t tell the full story. Beta Glass, for example, underperformed for three years. I bought at ₦57 in 2022, saw it drop to ₦36, added more at ₦38—and only stuck with it because the business itself was strong, even trading below book value.


3. No Mention of Risk – Real investing includes volatility, drawdowns, and uncertainty. A bear market will shake people out fast. Many won’t return. And that’s when long-term opportunities actually show up.



So while it’s cool to share wins, let’s also normalize sharing the full picture. This isn’t a “double your money in 4 months” scheme. It’s a long game—and it’s not easy to beat inflation or achieve average returns consistently. The more people understand that, the healthier our investment community becomes.

emmaodet:
We may see okomu close to #1,000 per share with this Q1/25 eps of #22.79

it is a seasonal businesses revenue will decline from next quarter and cost will go up for crop management.

megawealth01:
CAVERTON finally...

I really had PATIENCE with the remaining CAVERTON in my portfolio. Makanjuola shouldn't fall my hands sha

that company is hmm, caution o

ositadima1:
Most of the revenue/profit growth you folks are celebrating—I've read how Agba is praising the heavy returns in the consumer sector—I have just one question: Have you converted those returns to dollars and compared them with previous years’ returns using the exchange rates of those times? Which one do you think is better?

To me, it looks like we're seeing more money that’s worth much less.

And before anyone launches an attack saying “we spend in naira,” let me ask: how many made-in-Nigeria items do you actually own, aside from a few consumables?

It’s actually quite funny. Someone who used to earn ₦20 million a year before the Tinubu and Buhari administrations could afford a decent car and still live comfortably. Today, that same ₦20 million might only buy a car—if your taste isn’t even that high.

So, Brother EmmaOdet, while you’re sharing all this profitability news, please do us a favour: convert the figures to dollars—using the old rate (below ₦700) and the current rate (around ₦1,600)—so we can make a more meaningful comparison.

Thank you.

2024 wasn't N1600 it was average N1300. Your opinion is correct but try comparing stock market return to genuine asset class. Most of this companies are showing they have pricing power the market not the entire view of nigeria economy. Just like house rent is up asset class like rhis must correct too. Hopefully the economy might be better. Anytime i see abnormal returns i sell and keep some in usd else inflation will errode all the gains. Wise observation sir.

Streetinvestor2:
I have been wanting to verify something from you
Obi built the international Brewery in Anambra producing hero beer in the 90s

Please who built the international Brewery in illesha,osun state producing trophy beer since the 70s. Is it Tinubu that built that one.I am invested in thr shares so I want to know

you come this side.

McLizbae:
I have actually check up those oyinbo stuff. Sometimes, those oyinbo can really hype and scare with what is really not. I just wanted the real naija experience. Really hoping to get feedbacks like "nothing do am just be careful, that how I dove mine for 2 year...".

yea but I drove inside Adugbo and no plenty passenger but that motor am also tired of it but economy cannot let me buy what I wanted. But as I watch the video am calculating and I just they imagine how this small ijebu calculation might cost you. See many reasons not to overspeed, likewise don't gambling with life o. Do you have extra tire and in good condition.

See this people are looking for money laundering customers. Ask them for there bank statements, they talk more than there actions. Better to find mentors through reading and asking for help in your field and you must also try experimenting and invest in real skills. If they know they wont have time for all this.

I'm married now with a son, and I can feel my body changing—frequent joint aches, shorter attention span, getting tired more easily. But I'm learning to manage my anxiety and adjust my expectations. Being a man, especially in Nigeria, is no small task. Inflation has been rough, and I’m also becoming more aware of the mistakes I’ve made, especially around capital allocation and opportunity sizing.

I’m not wealthy, but I’m not poor either—just very frugal. Lately, I’ve seen many of my friends experiencing some financial breakthroughs. I started early in my twenties, had good mentors, and I listened and experimented. Now, some of these friends try to impress me, but I just hope they also learn to allocate capital wisely—to enjoy some of the fruits but also save and invest properly.

Life can be unfair with how unexpected things happen. I’ve lost valuable relationships—young and old—to death. Starting life early has made my advice sound boring to my peers, so I’ve learned to stay quiet more often. These days, my compounding—both income and savings—has slowed down, but I’ve gained more time and experience.

I’m discovering that reading widely and cultivating quality relationships are the things that really matter. I'm now planning for my child’s education and hoping to build a house in the next 3 to 4 years. I’m in no rush anymore, and I’ve become a better judge of character. I turn 33 this year. Apologies for the long text.