Valuation
20
LIVINGTRUST · LivingTrust Mortgage Bank Plc
Illiquid Neutral Quality 3/5Distress proxy: 46.94 (Safe)
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Composite score
33.8
Tier: Illiquid
Last close
₦4
As of latest snapshot
30-day ADV
₦297.5K
Liquidity signal
Market cap
₦17.90B
Financial Services
Financials
45
Technical
40
AI bottom line
LivingTrust trades at a significant valuation premium—P/E of 32.3x versus a 7.8x sector median—despite a composite score of 33.8, raising questions about sustainability of its 20% ROE and 36.1% net margin relative to peers. The critical risk to monitor is negative free cash flow (-19.5% yield, -126.1% FCF margin) combined with illiquid trading (₦297K daily volume), which could constrain growth funding and exit liquidity.
Stock Snowflake 5-axis radar
Blue = LIVINGTRUST. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 32.3x — about 314% above the Financial Services median of 7.8x.
- ROE of 20.0% — above Financial Services median of 17.3%.
- Net margin of 36.1% — robust pricing power and cost discipline.
- Below both 50-day (-2.1%) and 200-day (-14.4%) moving averages — sustained downtrend.
Risk flags
Thin liquidity — 30d ADV ≈ ₦0.3M
Premium valuation — P/E 32.3x vs sector median 7.8x
Cash burn — FCF margin -126.1%
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 ratio32.3x
P/B ratio3.6x
P/S ratio6.5x
EV/EBITDA—
FCF yield-19.5%
Financials
ROE20.0%
ROA3.1%
Net margin36.1%
FCF margin-126.1%
Debt / Equity0.5x
Technical
Last close₦4
Above 50d MA-2.1%
Above 200d MA-14.4%
ADX (trend)39.3
RSI32.8
Dividend history 4 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: 0.79%
| FY | Interim DPS | Final DPS | Total cash | Bonus | Qualification | Payment |
|---|---|---|---|---|---|---|
| 2023 | — | ₦0.03 | ₦0.03 | — | — | 10 Jun 2024 |
| 2022 | ₦0.01 | ₦0.012 | ₦0.022 | — | — | 27 Jul 2023 |
| 2021 | — | ₦0.06 | ₦0.06 | — | — | 06 Jun 2022 |
| 2020 | — | ₦0.01 | ₦0.01 | — | — | 14 Jun 2021 |
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 |
| REGALINS | 32.9 | 21.5x | — | — | Avoid |
| GUINEAINS | 36.0 | — | 1.6x | -2.5% | Avoid |
| UBA | 38.5 | 4.8x | 0.4x | 7.6% | Avoid |
| MANSARD | 40.2 | 1272.7x | 1.9x | 0.2% | Neutral |
| FIDELITYBK | 43.4 | 5.2x | 0.8x | 16.2% | Neutral |
Recent news mentioning LIVINGTRUST
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