Valuation
19
INFINITY · Infinity Trust Mortgage Bank Plc
Illiquid Momentum Breakout Quality 3/5Distress proxy: 78.81 (Safe)
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Composite score
46.1
Tier: Illiquid
Last close
₦11
As of latest snapshot
30-day ADV
₦111.5K
Liquidity signal
Market cap
₦93.84B
Financial Services
Financials
52
Technical
80
AI bottom line
INFINITY trades at a severe 26.0x P/E versus sector median 7.8x, supported only by exceptional 58.7% net margins and 25.7% ROE, but undercut by negative 14.6% FCF yield and illiquid ₦111k daily volume. Monitor whether cash burn (FCF margin -267%) reverses and whether the stock's 84% premium to its 200-day moving average holds amid thin liquidity.
Stock Snowflake 5-axis radar
Blue = INFINITY. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 26.0x — about 233% above the Financial Services median of 7.8x.
- ROE of 25.7% — well above Financial Services median of 17.3%. Top-quartile capital efficiency.
- Net margin of 58.7% — robust pricing power and cost discipline.
- Above both 50-day (+14.8%) and 200-day (+83.8%) moving averages — uptrend intact.
Risk flags
Thin liquidity — 30d ADV ≈ ₦0.1M
Premium valuation — P/E 26.0x vs sector median 7.8x
Stretched — 84% above 200d MA
Elevated leverage — Debt/Equity 1.8x
Cash burn — FCF margin -267.3%
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 ratio26.0x
P/B ratio8.4x
P/S ratio18.3x
EV/EBITDA—
FCF yield-14.6%
Financials
ROE25.7%
ROA6.2%
Net margin58.7%
FCF margin-267.3%
Debt / Equity1.8x
Technical
Last close₦11
Above 50d MA14.8%
Above 200d MA83.8%
ADX (trend)100.0
RSI100.0
Dividend history 7 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: 3.40% 7 consecutive years of payment 5y DPS CAGR: +54.3% ↑
| FY | Interim DPS | Final DPS | Total cash | Bonus | Qualification | Payment |
|---|---|---|---|---|---|---|
| 2025 | — | ₦0.35 | ₦0.35 | — | 17 Apr 2026 | 26 May 2026 |
| 2024 | — | ₦0.21 | ₦0.21 | — | — | 21 May 2025 |
| 2023 | — | ₦0.15 | ₦0.15 | — | — | 13 May 2024 |
| 2022 | — | ₦0.06 | ₦0.06 | — | — | 15 May 2023 |
| 2021 | — | ₦0.05 | ₦0.05 | — | — | 19 May 2022 |
| 2020 | — | ₦0.04 | ₦0.04 | — | — | 24 May 2021 |
| 2019 | — | ₦0.035 | ₦0.035 | — | — | 14 May 2020 |
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 |
|---|---|---|---|---|---|
| NPFMCRFBK | 46.2 | 9.6x | 1.8x | 17.6% | Illiquid |
| SUNUASSUR | 46.7 | 19.3x | 1.4x | 7.2% | Illiquid |
| INTENEGINS | 44.5 | 30.4x | 1.5x | 5.2% | Neutral |
| JAIZBANK | 44.4 | 11.6x | 3.8x | 31.6% | Neutral |
| ROYALEX | 44.2 | 12.2x | 1.5x | 12.0% | Illiquid |
| UCAP | 48.2 | 9.4x | 1.9x | 19.4% | Neutral |
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