Valuation
70
ETI · Ecobank Transactional Incorporated
Neutral Neutral Quality 2/5Distress proxy: 24.78 (Safe)
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Composite score
59.3
Tier: Neutral
Last close
₦95
As of latest snapshot
30-day ADV
₦276.0M
Liquidity signal
Market cap
₦1.73T
Financial Services
Financials
34
Technical
78
AI bottom line
ETI trades at a significant valuation discount (3.6x P/E vs. 7.8x sector median; 0.6x P/B vs. 1.4x), supported by its 78th percentile technical strength, though underlying quality lags with 14.6% ROE below sector median. Monitor the cash burn red flag (−36.0% FCF margin) closely, as this structural cash consumption undermines the valuation appeal if it persists.
Stock Snowflake 5-axis radar
Blue = ETI. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 3.6x — about 54% below the Financial Services median of 7.8x.
- P/B of 0.6x — trading below book value, often a value signal (or a quality flag if persistent).
- Above both 50-day (+10.0%) and 200-day (+84.6%) moving averages — uptrend intact.
Risk flags
Stretched — 85% above 200d MA
Cash burn — FCF margin -36.0%
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 ratio3.6x
P/B ratio0.6x
P/S ratio0.6x
EV/EBITDA—
FCF yield-58.9%
Financials
ROE14.6%
ROA1.2%
Net margin20.3%
FCF margin-36.0%
Debt / Equityn/a (bank)
Technical
Last close₦95
Above 50d MA10.0%
Above 200d MA84.6%
ADX (trend)0.0
RSI52.5
Dividend history
No cash or share dividends recorded in the historical dataset.
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 |
|---|---|---|---|---|---|
| NEM | 58.6 | 9.3x | 1.7x | 17.1% | Neutral |
| UNIVINSURE | 62.0 | 3.3x | 0.9x | 23.7% | Accumulate |
| WEMABANK | 63.0 | 3.5x | 1.7x | 31.3% | Accumulate |
| LINKASSURE | 63.3 | 3.2x | 0.5x | 16.4% | Accumulate |
| CONHALLPLC | 63.6 | 7.5x | 1.5x | 20.0% | Accumulate |
| STANBIC | 55.0 | 6.4x | 2.1x | 32.5% | Neutral |
Recent news mentioning ETI
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NGX corporate disclosures ETI · last 1
Plain-English summaries of every NGX filing for ETI, generated from the underlying PDFs by Claude Haiku. Click "Read the filing" to open the official document.
Q2 / Half-Year Financial Statement
filed 29 Jun 2026
Ecobank Transnational Incorporated announced a closed period effective July 1, 2026, ahead of its board meeting on July 24 to review Q2 2026 unaudited financial statements. During the blackout, insiders cannot trade ETI shares. The restriction lifts 24 hours after the board approves and publishes results.