Valuation
42
ROYALEX · Royal Exchange Plc
Illiquid Neutral Quality 2/5Distress proxy: 76.17 (Safe)
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Composite score
44.2
Tier: Illiquid
Last close
₦1
As of latest snapshot
30-day ADV
₦963.2K
Liquidity signal
Market cap
₦10.75B
Financial Services
Financials
54
Technical
34
AI bottom line
ROYALEX trades at a 56% premium to sector P/E (12.2x vs 7.8x median) despite below-median ROE of 12.0%, signaling stretched valuation relative to profitability. Monitor the EGM outcome closely, as negative free cash flow of -7.8% yield and illiquid trading (₦963k daily ADV) create execution risk if capital raises or restructuring are announced.
Stock Snowflake 5-axis radar
Blue = ROYALEX. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 12.2x — about 56% above the Financial Services median of 7.8x.
- Net margin of 51.9% — robust pricing power and cost discipline.
- Below both 50-day (-16.4%) and 200-day (-32.1%) moving averages — sustained downtrend.
Risk flags
Thin liquidity — 30d ADV ≈ ₦1.0M
Cash burn — FCF margin -51.3%
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 ratio12.2x
P/B ratio1.5x
P/S ratio6.6x
EV/EBITDA2.4x
FCF yield-7.8%
Financials
ROE12.0%
ROA7.1%
Net margin51.9%
FCF margin-51.3%
Debt / Equity0.2x
Technical
Last close₦1
Above 50d MA-16.4%
Above 200d MA-32.1%
ADX (trend)40.8
RSI37.7
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 |
|---|---|---|---|---|---|
| JAIZBANK | 44.4 | 11.6x | 3.8x | 31.6% | Neutral |
| INTENEGINS | 44.5 | 30.4x | 1.5x | 5.2% | Neutral |
| FIDELITYBK | 43.4 | 5.2x | 0.8x | 16.2% | Neutral |
| INFINITY | 46.1 | 26.0x | 8.4x | 25.7% | Illiquid |
| NPFMCRFBK | 46.2 | 9.6x | 1.8x | 17.6% | Illiquid |
| SUNUASSUR | 46.7 | 19.3x | 1.4x | 7.2% | Illiquid |