Valuation
36
STANBIC · Stanbic IBTC Holdings Plc
Neutral Momentum Breakout Quality 3/5Distress proxy: 58.14 (Safe)
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Composite score
55.0
Tier: Neutral
Last close
₦163
As of latest snapshot
30-day ADV
₦123.3M
Liquidity signal
Market cap
₦2.51T
Financial Services
Financials
60
Technical
79
AI bottom line
Stanbic's 32.5% ROE and 43.6% net margin signal quality earnings, but valuation ranks only 36th percentile while technical momentum scores 79th—suggesting a breakout play rather than a deep value opportunity. Monitor the -45% FCF margin and negative 16.3% FCF yield, which indicate aggressive capital deployment that could constrain flexibility if earnings deteriorate.
Stock Snowflake 5-axis radar
Blue = STANBIC. Gold dash = Financial Services median. Bigger area = better across the five research dimensions.
What the model is seeing
- Trades at P/E 6.4x — in line with Financial Services median of 7.8x.
- ROE of 32.5% — well above Financial Services median of 17.3%. Top-quartile capital efficiency.
- Net margin of 43.6% — robust pricing power and cost discipline.
Risk flags
Cash burn — FCF margin -45.0%
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 ratio6.4x
P/B ratio2.1x
P/S ratio2.8x
EV/EBITDA—
FCF yield-16.3%
Financials
ROE32.5%
ROA4.2%
Net margin43.6%
FCF margin-45.0%
Debt / Equity0.6x
Technical
Last close₦163
Above 50d MA-0.7%
Above 200d MA33.0%
ADX (trend)69.5
RSI36.3
Dividend history 10 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: 2.58% 5y DPS CAGR: +2.1% ↑ 10y CAGR: +55.0%
| FY | Interim DPS | Final DPS | Total cash | Bonus | Qualification | Payment |
|---|---|---|---|---|---|---|
| 2025 | — | ₦4.00 | ₦4.00 | — | 04 May 2026 | 26 May 2026 |
| 2024 | ₦2.00 | ₦3.00 | ₦5.00 | — | — | 16 May 2025 |
| 2023 | — | ₦2.20 | ₦2.20 | — | — | 17 May 2024 |
| 2022 | — | ₦1.50 | ₦1.50 | — | — | 27 Sep 2023 |
| 2020 | — | ₦3.60 | ₦3.60 | — | — | 28 May 2021 |
| 2019 | ₦1.00 | ₦2.00 | ₦3.00 | — | — | — |
| 2018 | ₦1.00 | ₦1.50 | ₦2.50 | — | — | — |
| 2017 | — | ₦0.5 | ₦0.5 | — | — | — |
| 2016 | ₦0.05 | ₦0.6 | ₦0.65 | — | — | — |
| 2015 | — | ₦0.05 | ₦0.05 | — | — | — |
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 |
|---|---|---|---|---|---|
| VERITASKAP | 54.3 | 5.3x | 1.1x | 17.5% | Neutral |
| WAPIC | 54.2 | 7.1x | 1.1x | 13.5% | Neutral |
| AFRIPRUD | 54.1 | 16.7x | 3.6x | 20.4% | Neutral |
| ACCESSCORP | 53.9 | 1.6x | 0.3x | 17.0% | Neutral |
| CUSTODIAN | 52.1 | 5.5x | 2.0x | 28.1% | Neutral |
| NGXGROUP | 51.5 | 35.3x | 5.4x | 21.2% | Illiquid |