Valuation
24
JAIZBANK · Jaiz Bank Plc
Neutral Neutral Quality 4/5Distress proxy: 47.31 (Safe)
Compare with another stock →
Composite score
44.4
Tier: Neutral
Last close
₦8
As of latest snapshot
30-day ADV
₦37.2M
Liquidity signal
Market cap
₦367.86B
Financial Services
Financials
57
Technical
60
AI bottom line
Jaiz Bank trades at a valuation premium (11.6x P/E vs. 7.8x median; 3.8x P/B vs. 1.4x median) despite a red-flag cash burn issue (FCF margin -114.5%), though strong profitability (38.5% net margin, 31.6% ROE) partially justifies the multiple. Monitor whether the approved ₦150 billion capital raise converts into sustainable cash generation and whether FCF metrics improve materially.
Stock Snowflake 5-axis radar
Blue = JAIZBANK. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 11.6x — about 49% above the Financial Services median of 7.8x.
- ROE of 31.6% — well above Financial Services median of 17.3%. Top-quartile capital efficiency.
- Net margin of 38.5% — robust pricing power and cost discipline.
Risk flags
Cash burn — FCF margin -114.5%
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 ratio11.6x
P/B ratio3.8x
P/S ratio4.6x
EV/EBITDA—
FCF yield-25.0%
Financials
ROE31.6%
ROA2.4%
Net margin38.5%
FCF margin-114.5%
Debt / Equityn/a (bank)
Technical
Last close₦8
Above 50d MA-7.5%
Above 200d MA15.4%
ADX (trend)29.9
RSI40.7
Dividend history 6 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: 1.34% 5y DPS CAGR: +29.7% ↑
| FY | Interim DPS | Final DPS | Total cash | Bonus | Qualification | Payment |
|---|---|---|---|---|---|---|
| 2025 | — | ₦0.11 | ₦0.11 | — | 02 Jun 2026 | — |
| 2023 | ₦0.04 | — | ₦0.04 | — | — | — |
| 2022 | — | ₦0.05 | ₦0.05 | — | — | 28 Jul 2023 |
| 2021 | — | ₦0.04 | ₦0.04 | — | — | 08 Jun 2022 |
| 2020 | — | ₦0.03 | ₦0.03 | — | — | 23 Jun 2021 |
| 2019 | — | ₦0.03 | ₦0.03 | — | — | 16 Jul 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 |
|---|---|---|---|---|---|
| INTENEGINS | 44.5 | 30.4x | 1.5x | 5.2% | Neutral |
| ROYALEX | 44.2 | 12.2x | 1.5x | 12.0% | Illiquid |
| FIDELITYBK | 43.4 | 5.2x | 0.8x | 16.2% | Neutral |
| INFINITY | 46.1 | 26.0x | 8.4x | 25.7% | Illiquid |
| NPFMCRFBK | 46.2 | 9.6x | 1.8x | 17.6% | Illiquid |
| SUNUASSUR | 46.7 | 19.3x | 1.4x | 7.2% | Illiquid |
Recent news mentioning JAIZBANK
NGX corporate disclosures JAIZBANK · last 1
Plain-English summaries of every NGX filing for JAIZBANK, generated from the underlying PDFs by Claude Haiku. Click "Read the filing" to open the official document.
AGM Notice
filed 25 Jun 2026
Summary unavailable — read the original ↗