Valuation
47
PRESTIGE · Prestige Assurance Company Plc
Neutral Neutral Quality 2/5Distress proxy: 8.01 (Safe)
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Composite score
49.3
Tier: Neutral
Last close
₦2
As of latest snapshot
30-day ADV
₦7.3M
Liquidity signal
Market cap
₦20.41B
Financial Services
Financials
38
Technical
68
AI bottom line
Prestige's 35.1x P/E—four times the sector median—masks deteriorating fundamentals: 2.7% ROE against a 17.3% peer average and negative 11.1% FCF yield signal operational stress. Watch whether cash burn stabilizes and liquidity improves beyond ₦7.3M daily volume, as the valuation leaves no margin for error.
Stock Snowflake 5-axis radar
Blue = PRESTIGE. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 35.1x — about 350% above the Financial Services median of 7.8x.
- P/B of 0.9x — trading below book value, often a value signal (or a quality flag if persistent).
- ROE of 2.7% — well below sector median of 17.3%. Capital is underperforming.
- Price has crossed back above the 50-day MA (+6.2%) but remains below 200-day — early recovery signal.
Risk flags
Thin liquidity — 30d ADV ≈ ₦7.3M
Premium valuation — P/E 35.1x vs sector median 7.8x
Cash burn — FCF margin -7.5%
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 ratio35.1x
P/B ratio0.9x
P/S ratio0.7x
EV/EBITDA26.4x
FCF yield-11.1%
Financials
ROE2.7%
ROA1.5%
Net margin2.0%
FCF margin-7.5%
Debt / Equity0.0x
Technical
Last close₦2
Above 50d MA6.2%
Above 200d MA-3.1%
ADX (trend)26.0
RSI44.9
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: 1.32%
| FY | Interim DPS | Final DPS | Total cash | Bonus | Qualification | Payment |
|---|---|---|---|---|---|---|
| 2023 | ₦0.02 | — | ₦0.02 | — | — | 09 Aug 2024 |
| 2021 | — | ₦0.015 | ₦0.015 | — | — | 27 May 2022 |
| 2020 | — | ₦0.025 | ₦0.025 | — | — | 28 May 2021 |
| 2019 | — | — | — | 1 for 2 | — | — |
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 |
|---|---|---|---|---|---|
| LASACO | 50.2 | — | 0.9x | -7.6% | Neutral |
| UCAP | 48.2 | 9.4x | 1.9x | 19.4% | Neutral |
| STERLINGNG | 51.3 | 4.9x | 1.0x | 15.2% | Neutral |
| NGXGROUP | 51.5 | 35.3x | 5.4x | 21.2% | Illiquid |
| SUNUASSUR | 46.7 | 19.3x | 1.4x | 7.2% | Illiquid |
| CUSTODIAN | 52.1 | 5.5x | 2.0x | 28.1% | Neutral |
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