Valuation
41
GUINEAINS · Guinea Insurance Plc
Avoid Neutral Quality 1/5Distress proxy: -9.38 (Distress concern)
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Composite score
36.0
Tier: Avoid
Last close
₦1
As of latest snapshot
30-day ADV
₦23.0M
Liquidity signal
Market cap
₦7.86B
Financial Services
Financials
32
Technical
33
AI bottom line
Guinea Insurance's dominant signal is financial distress: the company is loss-making with a -4.9% net margin and burning cash at a -22.8% FCF margin, reflected in a composite score of 36/100 and negative -2.5% ROE versus the 17.3% sector median. The critical watch is whether operating losses reverse in near-term results; combined with thin ₦23.0M daily liquidity, any further deterioration could constrain recovery options.
Stock Snowflake 5-axis radar
Blue = GUINEAINS. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- ROE of -2.5% — well below sector median of 17.3%. Capital is underperforming.
- Below both 50-day (-16.5%) and 200-day (-26.0%) moving averages — sustained downtrend.
Risk flags
Moderate liquidity — 30d ADV ≈ ₦23.0M
Negative net margin (-4.9%) — currently loss-making
Cash burn — FCF margin -22.8%
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 ratio—
P/B ratio1.6x
P/S ratio3.1x
EV/EBITDA—
FCF yield-7.4%
Financials
ROE-2.5%
ROA-1.7%
Net margin-4.9%
FCF margin-22.8%
Debt / Equity0.0x
Technical
Last close₦1
Above 50d MA-16.5%
Above 200d MA-26.0%
ADX (trend)38.1
RSI41.1
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 |
|---|---|---|---|---|---|
| SOVRENINS | 34.2 | 116.5x | 1.8x | 2.0% | Avoid |
| LIVINGTRUST | 33.8 | 32.3x | 3.6x | 20.0% | Illiquid |
| UBA | 38.5 | 4.8x | 0.4x | 7.6% | Avoid |
| REGALINS | 32.9 | 21.5x | — | — | Avoid |
| MANSARD | 40.2 | 1272.7x | 1.9x | 0.2% | Neutral |
| FIDELITYBK | 43.4 | 5.2x | 0.8x | 16.2% | Neutral |
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