Please wait
FINANCIAL SERVICES · Commercial Banks · Price, fundamentals, signals, and forward-looking context in one research view.
FINANCIAL SERVICES
₦4.71T
10.0%
5.48
Current price
₦134.90
+4.6% todayUpdated 1h ago
Open
₦129.00
Previous close
₦129.00
Day range
₦129.00 – ₦135.00
Volume
28,334,957
5.5x P/E
Awaiting filing
10.0% yield
65/100 measured
Easy to trade
Recent price movement, key market context and the latest company information.
The latest saved price history for GTCO, with its range and direction at a glance.
The document is available and its summary is being prepared.
Guaranty Trust Holding Company Plc operates as a financial holding company for Guaranty Trust Bank Limited that provides commercial banking services in Nigeria, Ghana, Gambia, Sierra Leone, Liberia, Cote D'Ivoire, Kenya, Uganda, Rwanda, Tanzania, and the United Kingdom. The company operates through six segments: Corporate Banking, Commercial Banking, Business Banking, Retail Banking, SME Banking, and Public Sector. The company offers current accounts, savings deposits, and investment savings products; overdrafts, loans, and other credit facilities; and foreign currency and derivative products. It also provides private banking and custody services, credit and debit cards, and consumer loans and mortgages. The company serves corporate customers and blue chips; mid-size and fledgling corporate customers; mid-size commercial customers; small and medium-size enterprises and ventures; and government ministries, departments, and agencies. Guaranty Trust Holding Company Plc was founded in 1990 and is headquartered in Lagos, Nigeria.
Investors usually follow GTCO 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 84/100 while turnover is thin at 0.033%. Whisone has high 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
₦814B
TTM (2026-08-30)
ROE
25.4%
Return on equity
ROA
4.9%
Return on assets
Debt / equity
0.01
Lower is usually safer.
P/B ratio
1.30
Useful for book value support.
Dividend yield
10.0%
Current income signal.
99/100
Direction
Range-bound
Main supports
Business quality and balance-sheet strength are supporting the outlook.
Valuation still leaves room versus fair value and analyst anchors.
Trading liquidity looks supportive for the forecast to transmit into price action.
What can go wrong
Execution risk and market swings can still delay the forecast playing out.
Fair value
₦145.24
Analyst view
Buy
Analyst target
₦157.38
Forecast refresh
Updated 13h ago
Quality score
84
Growth score
73.37
These are the external analyst numbers and business outlook figures already synced into the company record.
Revenue this year
₦2.06T
Revenue next year
₦2.4T
EPS this year
₦28.96
EPS next year
₦33.85
Forecast dividend/share
₦12.76
Forward P/E
-
₦1.00
2024-09-26
Payment: 2024-10-07 | Qualification: 2024-09-25 | Yield at declaration: N/A
₦2.70
2024-04-29
Payment: 2024-05-09 | Qualification: 2024-04-26 | Yield at declaration: N/A
A plain-English reading of momentum, trend, volatility, range position, and trading participation.
RSI
52.8
Momentum is currently in a neutral range.
Recent trend
Rising
+2.2% across the latest saved price window.
Volatility
Moderate
Beta is 0.85. Price sensitivity is broadly around the market range.
52-week position
72% of range
Price is sitting around the middle of its 52-week range.
Volume confirmation
2.36x average
Trading activity is above average, giving the current move stronger participation.
reporting_deadline_extension
GTCO may move with reporting_deadline_extension. Confidence 95%.
Fidelity Bank obtained NGX approval to extend the deadline for publishing its audited H1 2026 results to Sept 30, 2026.
contract finance facility
GTCO may benefit from contract finance facility. Confidence 95%.
Named as a participating bank in the facility, which creates lending and fee opportunities for the bank.
deployment of 200,000 PoS terminals
GTCO may benefit from deployment of 200,000 pos terminals. Confidence 95%.
The rollout is intended to expand HabariPay's merchant network, improve last-mile services and increase transaction volumes.
zero processing fees on eligible PoS transactions
GTCO may benefit from zero processing fees on eligible pos transactions. Confidence 95%.
GTCO (HabariPay) made the fee waiver permanent to attract and retain merchants, a core part of its merchant expansion strategy.
CBN proposed holdco framework
GTCO may move with cbn proposed holdco framework. Confidence 90%.
The proposed CBN holdco framework would change how foreign subsidiaries of Nigerian banks are structured, impacting financial groups listed.
minimum quantity threshold (Group C)
GTCO may move with minimum quantity threshold (group c). Confidence 90%.
GTCO is cited as an example in Group C (stock ~N128.35) where price can only move after 100,000 shares trade, slowing price responsiveness for retail holders.
Sector spillover signals
data protection / regulatory enforcement
GTCO may also move because the FINANCIAL SERVICES sector may move with data protection / regulatory enforcement. Confidence 95%.
Court enforcement under the Nigeria Data Protection Act concerned a financial group (GTCO) and its fund marketing, indicating regulatory impact on financial services marketing practices.
contract finance facility
GTCO may also move because the FINANCIAL SERVICES sector may benefit from contract finance facility. Confidence 95%.
Named as a participating bank in the facility, which creates lending and fee opportunities for the bank.
CBN proposed holdco framework
GTCO may also move because the FINANCIAL SERVICES sector may move with cbn proposed holdco framework. Confidence 90%.
The proposed CBN holdco framework would change how foreign subsidiaries of Nigerian banks are structured, impacting financial groups listed.
CBN recapitalisation
GTCO may also move because the FINANCIAL SERVICES sector may benefit from cbn recapitalisation. Confidence 90%.
The recapitalisation exercise prompted lenders to raise fresh capital and strengthen balance sheets, cited as a sector-wide driver of the rally.
contract_finance_facility
GTCO may also move because the FINANCIAL SERVICES sector may benefit from contract_finance_facility. Confidence 90%.
Named as a participating bank in the facility, providing capital and expected to support contractor financing.
contract_financing
GTCO may also move because the FINANCIAL SERVICES sector may benefit from contract_financing. Confidence 90%.
ACCESSCORP is listed as a participating bank in the facility, positioning it to gain lending business tied to SNEPCo contracts.
interest rates
GTCO may also move because the FINANCIAL SERVICES sector may benefit from interest rates. Confidence 90%.
The piece states Nigerian banks' earnings have strengthened post-COVID as high interest rates supported stronger returns on loans, placements and fixed-income investments.
CBN draft holding-company rules
GTCO may also move because the FINANCIAL SERVICES sector may be hurt by cbn draft holding-company rules. Confidence 90%.
The draft guidelines requiring ~N370bn fresh capital are said to weigh on banking stocks and drag the broader market lower.
GTCO
Guaranty Trust Holding Company Plc
Price: ₦134.90
P/E: 5.48
Yield: 10.0%
ABBEYBANK
ABBEYBANK
Price: ₦7.70
P/E: 32.39
Yield: 1.5%
ABBEYBDS
Abbey Mortgage Bank Plc
Price: ₦8.50
P/E: 32.39
Yield: 1.5%
ACCESSCORP
Access Holdings Plc
Price: ₦32.25
P/E: 2.09
Yield: N/A
Industry
Commercial Banks
Founded
1990
Employees
6,122
Exchange
NGX
Ticker
GTCO
GUARANTY TRUST HOLDING COMPANY PLC- QUARTER 1 - FINANCIAL STATEMENT FOR 2026
2026-04-28
Estimated earnings date
2026-04-28
₦36.6B
Book value / share
98.24
