Valuation
46
CUSTODIAN · Custodian Investment Plc
Neutral Neutral Quality 4/5Distress proxy: 52.18 (Safe)
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Composite score
52.1
Tier: Neutral
Last close
₦66
As of latest snapshot
30-day ADV
₦53.7M
Liquidity signal
Market cap
₦394.09B
Financial Services
Financials
64
Technical
45
AI bottom line
Custodian trades at a significant quality premium: 28.1% ROE and 30.7% net margin substantially exceed sector medians, yet the 5.5x P/E valuation sits 30% below peers, suggesting the market hasn't priced in this earnings power. Watch whether the 6.6% FCF yield sustains amid the neutral technical score (45th percentile), as execution consistency will determine if this discount compression potential materializes.
Stock Snowflake 5-axis radar
Blue = CUSTODIAN. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 5.5x — about 29% below the Financial Services median of 7.8x.
- ROE of 28.1% — well above Financial Services median of 17.3%. Top-quartile capital efficiency.
- Net margin of 30.7% — robust pricing power and cost discipline.
Risk flags
No major risk flags
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 ratio5.5x
P/B ratio2.0x
P/S ratio1.9x
EV/EBITDA6.7x
FCF yield6.6%
Financials
ROE28.1%
ROA6.4%
Net margin30.7%
FCF margin12.2%
Debt / Equity0.9x
Technical
Last close₦66
Above 50d MA-19.1%
Above 200d MA16.5%
ADX (trend)43.6
RSI6.2
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: 0.37% 5y DPS CAGR: -11.1% ↓ 10y CAGR: +1.8%
| FY | Interim DPS | Final DPS | Total cash | Bonus | Qualification | Payment |
|---|---|---|---|---|---|---|
| 2025 | — | ₦2.50 | ₦2.50 | — | 13 Apr 2026 | 08 May 2026 |
| 2024 | — | ₦1.10 | ₦1.10 | — | — | 02 May 2025 |
| 2023 | ₦0.15 | ₦0.65 | ₦0.8 | — | — | 21 Jun 2024 |
| 2022 | — | ₦0.55 | ₦0.55 | — | — | 13 Apr 2023 |
| 2021 | — | ₦0.4 | ₦0.4 | — | — | 08 Apr 2022 |
| 2020 | — | ₦0.45 | ₦0.45 | — | — | 22 Apr 2021 |
| 2019 | ₦0.1 | ₦0.35 | ₦0.45 | — | — | 15 Apr 2020 |
| 2018 | ₦0.1 | ₦0.35 | ₦0.45 | — | — | — |
| 2017 | ₦0.1 | ₦0.32 | ₦0.42 | — | — | — |
| 2016 | ₦0.1 | ₦0.18 | ₦0.28 | — | — | — |
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 |
|---|---|---|---|---|---|
| NGXGROUP | 51.5 | 35.3x | 5.4x | 21.2% | Illiquid |
| STERLINGNG | 51.3 | 4.9x | 1.0x | 15.2% | Neutral |
| LASACO | 50.2 | — | 0.9x | -7.6% | Neutral |
| ACCESSCORP | 53.9 | 1.6x | 0.3x | 17.0% | Neutral |
| AFRIPRUD | 54.1 | 16.7x | 3.6x | 20.4% | Neutral |
| WAPIC | 54.2 | 7.1x | 1.1x | 13.5% | Neutral |
Recent news mentioning CUSTODIAN
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