Valuation
33
AFRIPRUD · Africa Prudential Plc
Neutral Neutral Quality 5/5Distress proxy: 245.83 (Safe)
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Composite score
54.1
Tier: Neutral
Last close
₦12
As of latest snapshot
30-day ADV
₦212.7M
Liquidity signal
Market cap
₦46.60B
Financial Services
Financials
88
Technical
40
AI bottom line
AFRIPRUD's exceptional 20.4% ROE and 223.6% net margin signal genuine earnings quality, yet the stock trades at a 2.1x premium valuation multiple (P/E 16.7x vs 7.8x sector median), creating tension between fundamentals and price. The critical variable is whether this premium sustains—watch if ROE compression or margin normalization emerges, which would justify the sector median multiple and create significant downside risk.
Stock Snowflake 5-axis radar
Blue = AFRIPRUD. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 16.7x — about 114% above the Financial Services median of 7.8x.
- Free cash flow yield of 17.3% — strong cash generation relative to market cap.
- ROE of 20.4% — above Financial Services median of 17.3%.
- Net margin of 223.6% — robust pricing power and cost discipline.
- Below both 50-day (-12.7%) and 200-day (-17.7%) moving averages — sustained downtrend.
Risk flags
Premium valuation — P/E 16.7x vs sector median 7.8x
Price & trend
Close price with 50-day and 200-day moving averages, last 12 months.
Composite score history
How the model has rated this stock over the available history. Tier changes happen at 75 / 60 / 40.
Key metrics
Valuation
P/E ratio16.7x
P/B ratio3.6x
P/S ratio39.0x
EV/EBITDA—
FCF yield17.3%
Financials
ROE20.4%
ROA6.4%
Net margin223.6%
FCF margin674.0%
Debt / Equity0.0x
Technical
Last close₦12
Above 50d MA-12.7%
Above 200d MA-17.7%
ADX (trend)43.2
RSI38.0
Dividend history 10 fiscal years shown
All amounts are gross of Nigeria's 10% withholding tax on dividends. Bonus ratios are 'new shares for shares held'.
Current yield: 0.86% 5y DPS CAGR: -27.5% ↓ 10y CAGR: -13.6%
| FY | Interim DPS | Final DPS | Total cash | Bonus | Qualification | Payment |
|---|---|---|---|---|---|---|
| 2025 | — | ₦0.4 | ₦0.4 | — | 12 Mar 2026 | 02 Apr 2026 |
| 2024 | — | ₦0.6 | ₦0.6 | — | — | 07 Apr 2025 |
| 2023 | — | ₦0.45 | ₦0.45 | — | — | 28 Mar 2024 |
| 2022 | — | ₦0.5 | ₦0.5 | — | — | 02 May 2023 |
| 2021 | — | ₦0.5 | ₦0.5 | — | — | 23 Mar 2022 |
| 2020 | — | ₦0.5 | ₦0.5 | — | — | 26 Mar 2021 |
| 2019 | — | ₦0.7 | ₦0.7 | — | — | 23 Mar 2020 |
| 2018 | — | ₦0.5 | ₦0.5 | — | — | — |
| 2017 | — | ₦0.4 | ₦0.4 | — | — | — |
| 2016 | — | ₦0.3 | ₦0.3 | — | — | — |
Peers in Financial Services
Closest names by composite score within the same sector. Click a symbol to open its detail page.
| Symbol | Composite | P/E | P/B | ROE | Tier |
|---|---|---|---|---|---|
| WAPIC | 54.2 | 7.1x | 1.1x | 13.5% | Neutral |
| VERITASKAP | 54.3 | 5.3x | 1.1x | 17.5% | Neutral |
| ACCESSCORP | 53.9 | 1.6x | 0.3x | 17.0% | Neutral |
| STANBIC | 55.0 | 6.4x | 2.1x | 32.5% | Neutral |
| CUSTODIAN | 52.1 | 5.5x | 2.0x | 28.1% | Neutral |
| NGXGROUP | 51.5 | 35.3x | 5.4x | 21.2% | Illiquid |
Recent news mentioning AFRIPRUD
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NGX corporate disclosures AFRIPRUD · last 1
Plain-English summaries of every NGX filing for AFRIPRUD, generated from the underlying PDFs by Claude Haiku. Click "Read the filing" to open the official document.
Insider Dealing
filed 11 Jun 2026
Non-Executive Director Vincent Ukoh purchased 150,000 ordinary shares in Africa Prudential Plc at ₦13.10 per share on 9 June 2026, representing a total transaction value of ₦1.965 million on the NGX. This initial insider notification discloses a direct equity position increase by a board member.