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FINANCIAL SERVICES · Commercial Banks · Price, fundamentals, signals, and forward-looking context in one research view.
FINANCIAL SERVICES
₦1.23T
3.1%
2.90
Current price
₦67.90
0.0% todayUpdated 3h ago
Open
₦67.90
Previous close
₦67.90
Day range
₦67.90 – ₦67.90
Volume
652,059
2.9x P/E
Awaiting filing
3.1% yield
65/100 measured
Moderate liquidity
Recent price movement, key market context and the latest company information.
The latest saved price history for ETI, with its range and direction at a glance.
2 pages were reviewed. Open the update for the summary and original document.
Ecobank Transnational Incorporated, together with its subsidiaries, provides retail, corporate, and investment banking services in Nigeria and rest of Africa. It operates through Corporate & Investment Banking, Commercial Banking, and Consumer Banking segments. The company offers current and savings accounts, and term deposits; debit, credit, and prepaid cards; personal, mortgage, travel, and cash backed loans, as well as auto loan/asset acquisition, salary advance, and advance facility products; transfer and payment, and foreign exchange services; microfinance; investment solutions comprising fixed income funds; and bancassurance products. It also provides working capital finance, payables, receivables, and liquidity management solutions; transaction banking, supply chain solutions, trade and finance services, client channel access and integration services, and cash management; fixed income currencies and commodities; wealth management, including securities, investor services, asset management, and market insights; internet and mobile banking services; treasury services; e-statements, and SMS and e-Alerts; and ATMs. The company serves multinationals, regional companies, government and government agencies, financial institutions, international organizations, local corporates, small and medium corporates, SMEs, schools, churches, local NGOs, public sector, and individuals. Ecobank Transnational Incorporated was incorporated in 1985 and is headquartered in Lome, Togo.
Investors usually follow ETI for its dividend profile, valuation signal, sector position, and upcoming company events. The goal here is not just to show numbers, but to explain what they mean in plain English.
Whisone is bullish because fundamentals are solid at 68/100 while today's volume is only 40% of average. Whisone has moderate conviction here. The final read is being balanced by the weighted scores for fundamentals, technicals, insider flow, sentiment, event flow, and liquidity.
Whisone v2 splits the read into weighted parts so the score is not just one hidden number.
Fundamentals
Growth, margins, cash flow, and valuation.
Sentiment
Market mood from flow, events, and attention.
Latest net profit
₦568B
TTM (2026-08-31)
ROE
21.5%
Return on equity
ROA
1.8%
Return on assets
Debt / equity
0.74
Lower is usually safer.
P/B ratio
0.33
Useful for book value support.
Dividend yield
3.1%
Current income signal.
76/100
Direction
Cautious
Main supports
Business quality and balance-sheet strength are supporting the outlook.
Recent price and fundamentals refreshes improve signal reliability.
What can go wrong
Short-term setup is still weak enough to create choppy price action.
Volatility is elevated, so the path can stay rough even if the thesis is right.
Liquidity looks thin, so even a good thesis may take longer to show up in price.
Fair value
₦51.47
Analyst view
n/a
Forecast refresh
Updated 3h ago
Quality score
69
Growth score
50
These are the external analyst numbers and business outlook figures already synced into the company record.
No external analyst outlook is available for this company yet.
A plain-English reading of momentum, trend, volatility, range position, and trading participation.
RSI
27.8
Momentum is weak and the stock is in oversold territory.
Recent trend
Falling
-23.7% across the latest saved price window.
Volatility
Moderate
Beta is 1.09. Price sensitivity is broadly around the market range.
52-week position
55% of range
Price is sitting around the middle of its 52-week range.
Volume confirmation
0.40x average
Trading activity is light, so the current price move has weaker confirmation.
abolished non-executive director tenure limit
ETI may benefit from abolished non-executive director tenure limit. Confidence 90%.
The article states ETI abolished the tenure limit for non-executive directors to strengthen board effectiveness and continuity.
trade finance
ETI may benefit from trade finance. Confidence 90%.
The EBRD Trade Facilitation Programme will strengthen banks' trade finance operations in Senegal, boosting import/export activity and offering guarantees to mitigate political and commercial payment risks.
trade finance facility
ETI may benefit from trade finance facility. Confidence 90%.
EBRD provided €15m to Ecobank Senegal (part of ETI) to strengthen its trade finance capacity, issue guarantees and expand access to partner banks, directly benefiting ETI's operations in Senegal.
MSME access
ETI may benefit from msme access. Confidence 88%.
The facility is intended to broaden Ecobank Senegal's outreach to small and medium-sized enterprises and support their trade with international markets.
MSME support
ETI may benefit from msme support. Confidence 80%.
The facility is designed to improve Ecobank Senegal's ability to support micro, small and medium-sized enterprises in accessing trade finance.
Sector spillover signals
trade finance
ETI may also move because the FINANCIAL SERVICES sector may benefit from trade finance. Confidence 90%.
The EBRD Trade Facilitation Programme will strengthen banks' trade finance operations in Senegal, boosting import/export activity and offering guarantees to mitigate political and commercial payment risks.
CBN FHC exposure draft
ETI may also move because the FINANCIAL SERVICES sector may move with cbn fhc exposure draft. Confidence 67%.
The exposure draft targets financial holding companies and imposes sector-wide measures (ownership thresholds, ring-fencing, governance limits, higher capital buffers) intended to reshape banking group structures and intra-group activities.
CBN data localisation directive
ETI may also move because the FINANCIAL SERVICES sector may move with cbn data localisation directive. Confidence 67%.
The directive targets banks, fintechs, mobile money operators and other payment service providers, creating sector-wide requirements for local data hosting, oversight and beneficial-ownership disclosures.
CBN proposed holdco framework
ETI may also move because the FINANCIAL SERVICES sector may move with cbn proposed holdco framework. Confidence 67%.
The proposed CBN holdco framework would change how foreign subsidiaries of Nigerian banks are structured, impacting financial groups listed.
NIIRA 2025 minimum capital requirements
ETI may also move because the FINANCIAL SERVICES sector may move with niira 2025 minimum capital requirements. Confidence 67%.
The industry-wide introduction of higher minimum capital requirements under NIIRA 2025 prompted recapitalisation exercises across insurers.
NIIRA_recapitalisation
ETI may also move because the FINANCIAL SERVICES sector may move with niira_recapitalisation. Confidence 67%.
The NIIRA 2025 law raised minimum capital requirements and introduced an RBC framework, forcing insurance and reinsurance firms to recapitalise by July 31, 2026.
NTA CFC rules & 15% top-up tax
ETI may also move because the FINANCIAL SERVICES sector may move with nta cfc rules & 15% top-up tax. Confidence 67%.
Article states banks and financial groups with regional operations are expected to be affected by the CFC regime and top-up tax.
Open Banking implementation
ETI may also move because the FINANCIAL SERVICES sector may move with open banking implementation. Confidence 67%.
Article states Open Banking is expected to reshape how banks, fintechs and other financial service providers share data and deliver products, requiring regulatory and governance readiness.
ETI
Ecobank Transnational Incorporated
Price: ₦67.90
P/E: 2.9
Yield: 3.1%
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Yield: 1.5%
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P/E: 32.39
Yield: 1.5%
ACCESSCORP
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Price: ₦32.25
P/E: 2.09
Yield: N/A
Industry
Commercial Banks
Founded
1985
Employees
14,313
Exchange
NGX
Ticker
ETI
2026-07-28
Estimated earnings date
2026-07-28
₦23.7B
Book value / share
109.01
