Valuation
33
NPFMCRFBK · NPF Microfinance Bank Plc
Illiquid Recovery Play Quality 2/5Distress proxy: 30.60 (Safe)
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Composite score
46.2
Tier: Illiquid
Last close
₦5
As of latest snapshot
30-day ADV
₦1.0M
Liquidity signal
Market cap
₦28.17B
Financial Services
Financials
45
Technical
70
AI bottom line
NPF Microfinance trades at a premium valuation (P/E 9.6x vs. 7.8x median; P/B 1.8x vs. 1.4x) despite below-median Financials pillar (45/100), with solid ROE of 17.6% offering limited margin of safety. The critical watch is cash burn—negative FCF yield of -46.9% and -79.1% FCF margin—which threatens sustainability if liquidity conditions tighten further given the stock's already-thin ₦1.0M daily volume.
Stock Snowflake 5-axis radar
Blue = NPFMCRFBK. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 9.6x — in line with Financial Services median of 7.8x.
- ROE of 17.6% — above Financial Services median of 17.3%.
Risk flags
Thin liquidity — 30d ADV ≈ ₦1.0M
Cash burn — FCF margin -79.1%
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 ratio9.6x
P/B ratio1.8x
P/S ratio1.7x
EV/EBITDA—
FCF yield-46.9%
Financials
ROE17.6%
ROA4.0%
Net margin16.6%
FCF margin-79.1%
Debt / Equity0.2x
Technical
Last close₦5
Above 50d MA-12.4%
Above 200d MA5.6%
ADX (trend)84.6
RSI38.8
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: 4.08% 5y DPS CAGR: +0.0% ↓
| FY | Interim DPS | Final DPS | Total cash | Bonus | Qualification | Payment |
|---|---|---|---|---|---|---|
| 2025 | — | ₦0.2 | ₦0.2 | — | 19 May 2026 | 11 Jun 2026 |
| 2024 | — | ₦0.15 | ₦0.15 | — | — | 19 Jun 2025 |
| 2022 | — | ₦0.1 | ₦0.1 | — | — | 22 Jun 2023 |
| 2020 | — | ₦0.2 | ₦0.2 | — | — | 27 May 2021 |
| 2019 | — | ₦0.2 | ₦0.2 | — | — | 30 Jun 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 |
|---|---|---|---|---|---|
| INFINITY | 46.1 | 26.0x | 8.4x | 25.7% | 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 |
| UCAP | 48.2 | 9.4x | 1.9x | 19.4% | Neutral |
| ROYALEX | 44.2 | 12.2x | 1.5x | 12.0% | Illiquid |
Recent news mentioning NPFMCRFBK
NGX corporate disclosures NPFMCRFBK · last 1
Plain-English summaries of every NGX filing for NPFMCRFBK, generated from the underlying PDFs by Claude Haiku. Click "Read the filing" to open the official document.
AGM Notice
filed 16 Jun 2026
Summary unavailable — read the original ↗