Valuation
48
MANSARD · AXA Mansard Insurance Plc
Neutral Neutral Quality 2/5Distress proxy: 1.09 (Distress concern)
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Composite score
40.2
Tier: Neutral
Last close
₦12
As of latest snapshot
30-day ADV
₦33.1M
Liquidity signal
Market cap
₦103.75B
Financial Services
Financials
30
Technical
43
AI bottom line
Mansard's valuation presents a critical red flag, with a P/E of 1272.7x versus the sector median of 7.8x, reflecting severe earnings weakness rather than growth premium—the 0.2% ROE and 0.1% net margin signal fundamental profitability challenges. Monitor whether near-term earnings stabilization materializes, as the current pricing offers no margin of safety given the Financials pillar score of 30/100.
Stock Snowflake 5-axis radar
Blue = MANSARD. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 1272.7x — about 16217% above the Financial Services median of 7.8x.
- Free cash flow yield of 12.6% — strong cash generation relative to market cap.
- ROE of 0.2% — well below sector median of 17.3%. Capital is underperforming.
- Below both 50-day (-13.1%) and 200-day (-18.3%) moving averages — sustained downtrend.
Risk flags
Premium valuation — P/E 1272.7x vs sector median 7.8x
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 ratio1272.7x
P/B ratio1.9x
P/S ratio0.6x
EV/EBITDA6.2x
FCF yield12.6%
Financials
ROE0.2%
ROA0.0%
Net margin0.1%
FCF margin7.2%
Debt / Equity0.1x
Technical
Last close₦12
Above 50d MA-13.1%
Above 200d MA-18.3%
ADX (trend)93.4
RSI32.9
Dividend history 5 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: 3.91%
| FY | Interim DPS | Final DPS | Total cash | Bonus | Qualification | Payment |
|---|---|---|---|---|---|---|
| 2024 | — | ₦0.45 | ₦0.45 | — | — | 10 Jul 2025 |
| 2023 | ₦0.06 | ₦0.34 | ₦0.4 | — | — | 29 Jul 2024 |
| 2022 | — | ₦0.3 | ₦0.3 | — | — | 28 Jul 2023 |
| 2021 | ₦0.06 | ₦0.25 | ₦0.31 | — | — | 12 May 2022 |
| 2020 | — | ₦0.055 | ₦0.055 | — | — | 07 May 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 |
|---|---|---|---|---|---|
| UBA | 38.5 | 4.8x | 0.4x | 7.6% | Avoid |
| FIDELITYBK | 43.4 | 5.2x | 0.8x | 16.2% | Neutral |
| ROYALEX | 44.2 | 12.2x | 1.5x | 12.0% | Illiquid |
| GUINEAINS | 36.0 | — | 1.6x | -2.5% | Avoid |
| JAIZBANK | 44.4 | 11.6x | 3.8x | 31.6% | Neutral |
| INTENEGINS | 44.5 | 30.4x | 1.5x | 5.2% | Neutral |
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