Valuation
34
REGALINS · Regency Assuarance Plc
Avoid Neutral Quality 1/5Distress proxy: 5.31 (Safe)
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Composite score
32.9
Tier: Avoid
Last close
₦1
As of latest snapshot
30-day ADV
₦8.2M
Liquidity signal
Market cap
₦13.28B
Financial Services
Financials
32
Technical
31
AI bottom line
Valuation is the dominant concern: REGALINS trades at 21.5x P/E versus a 7.8x sector median, yet generates only a 5.3% net margin with negative 26.6% free cash flow yield, signaling distressed fundamentals masking expensive multiples. Watch whether cash burn stabilizes and liquidity improves beyond ₦8.2M daily average—without either, the valuation premium becomes indefensible.
Stock Snowflake 5-axis radar
Blue = REGALINS. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 21.5x — about 176% above the Financial Services median of 7.8x.
- Below both 50-day (-17.6%) and 200-day (-25.0%) moving averages — sustained downtrend.
Risk flags
Thin liquidity — 30d ADV ≈ ₦8.2M
Premium valuation — P/E 21.5x vs sector median 7.8x
Cash burn — FCF margin -28.9%
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 ratio21.5x
P/B ratio—
P/S ratio1.1x
EV/EBITDA14.7x
FCF yield-26.6%
Financials
ROE—
ROA—
Net margin5.3%
FCF margin-28.9%
Debt / Equity—
Technical
Last close₦1
Above 50d MA-17.6%
Above 200d MA-25.0%
ADX (trend)56.4
RSI21.7
Dividend history
No cash or share dividends recorded in the historical dataset.
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 |
|---|---|---|---|---|---|
| LIVINGTRUST | 33.8 | 32.3x | 3.6x | 20.0% | Illiquid |
| SOVRENINS | 34.2 | 116.5x | 1.8x | 2.0% | 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 |
| DEAPCAP | 23.7 | — | 4.7x | -9.7% | Illiquid |
Recent news mentioning REGALINS
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NGX corporate disclosures REGALINS · last 1
Plain-English summaries of every NGX filing for REGALINS, generated from the underlying PDFs by Claude Haiku. Click "Read the filing" to open the official document.
Other Disclosure
filed 18 Jun 2026
Regency Alliance Insurance Plc signed its Rights Issue Agreement on 18 June 2026, authorizing 3.201 billion ordinary shares at 95 Kobo each on a 1-for-5 basis. Proceeds fund capital strengthening, underwriting capacity, and digital transformation. Eligible shareholders can apply between 22 June and 3 July 2026; participation protects against dilution while enabling participation in future growth.