Valuation
78
CILEASING · C & I Leasing Plc
Neutral Value Trap Quality 1/5Distress proxy: 10.07 (Safe)
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Composite score
47.0
Tier: Neutral
Last close
₦5
As of latest snapshot
30-day ADV
₦16.9M
Liquidity signal
Market cap
₦15.63B
Services
Financials
26
Technical
26
AI bottom line
CILEASING appears cheap on valuation (P/E 6.3x vs. 20.9x sector median) but this reflects fundamental weakness: ROE of 5.0% and a net margin of 4.5% trail peers significantly, signaling a classic value trap. The critical risk is persistent cash burn (FCF yield -56.5%), which threatens capital sustainability if operational profitability doesn't improve materially.
Stock Snowflake 5-axis radar
Blue = CILEASING. Gold dash = Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 6.3x — about 70% below the Services median of 20.9x.
- P/B of 0.3x — trading below book value, often a value signal (or a quality flag if persistent).
- ROE of 5.0% — well below sector median of 13.1%. Capital is underperforming.
- Below both 50-day (-15.2%) and 200-day (-15.9%) moving averages — sustained downtrend.
Risk flags
Moderate liquidity — 30d ADV ≈ ₦16.9M
Cash burn — FCF margin -15.9%
Possible value trap — cheap but weak financials
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 ratio6.3x
P/B ratio0.3x
P/S ratio0.3x
EV/EBITDA3.4x
FCF yield-56.5%
Financials
ROE5.0%
ROA1.7%
Net margin4.5%
FCF margin-15.9%
Debt / Equity1.4x
Technical
Last close₦5
Above 50d MA-15.2%
Above 200d MA-15.9%
ADX (trend)25.9
RSI32.7
Dividend history 4 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: 3.60%
| FY | Interim DPS | Final DPS | Total cash | Bonus | Qualification | Payment |
|---|---|---|---|---|---|---|
| 2025 | — | ₦0.2 | ₦0.2 | — | 01 Jun 2026 | 15 Jun 2026 |
| 2023 | — | — | — | 2 for 3 | — | — |
| 2020 | — | ₦0.05 | ₦0.05 | — | — | 30 Jun 2021 |
| 2019 | — | ₦0.2 | ₦0.2 | — | — | 31 Jul 2020 |
Peers in 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 |
|---|---|---|---|---|---|
| TRANSCOHOT | 45.7 | 91.6x | 25.7x | 25.3% | Illiquid |
| EUNISELL | 44.2 | 373.8x | 69.4x | 16.7% | Illiquid |
| DAARCOMM | 43.0 | — | 0.7x | -2.6% | Illiquid |
| CAVERTON | 52.4 | — | — | — | Neutral |
| TANTALIZER | 41.4 | 276.7x | 4.4x | 2.3% | Neutral |
| ACADEMY | 41.4 | 59.1x | 5.2x | 13.0% | Illiquid |
Recent news mentioning CILEASING
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NGX corporate disclosures CILEASING · last 1
Plain-English summaries of every NGX filing for CILEASING, generated from the underlying PDFs by Claude Haiku. Click "Read the filing" to open the official document.
AGM Notice
filed 17 Jun 2026
C&I Leasing shareholders approved the 2025 audited financials and declared a 20 kobo per share dividend at their June 15 AGM. Board directors Babatunde Edun and Omotunde Alao-Olaifa were re-elected, and non-executive director pay was set at ₦9 million annually (₦12 million for the chairman). The company secured a general mandate for related-party transactions through next year's AGM.