UNITED CAPITAL PLC DIRECTORSDEALINGS
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Open
₦16.95
Previous close
₦17.00
Day range
₦16.95 – ₦17.95
Volume
11,612,105
8.2x P/E
Awaiting filing
5.8% yield
65/100 measured
Moderate liquidity
UCAP has a range-bound over 30 days and positive bias over one year.
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Expected move
-0.63%
Expected price
₦16.89
Lower path
₦16.16
Upper path
₦17.62
Confidence
Whisone is bullish because fundamentals are solid at 85/100 while turnover is thin at 0.031%. 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
₦37.4B
TTM (2026-08-30)
ROE
141.8%
Return on equity
ROA
1.6%
Return on assets
Debt / equity
0.99
Lower is usually safer.
P/B ratio
1.64
Useful for book value support.
Dividend yield
5.8%
Current income signal.
77/100
Direction
Range-bound
Main supports
Business quality and balance-sheet strength are supporting the outlook.
Recent price and fundamentals refreshes improve signal reliability.
What can go wrong
Execution risk and market swings can still delay the forecast playing out.
Fair value
₦17.02
Analyst view
n/a
Forecast refresh
Updated 9h ago
Quality score
83
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.
₦0.50
2023-03-15
Payment: 2023-03-28 | Qualification: 2023-03-14 | Yield at declaration: N/A
₦0.50
2022-03-09
Payment: 2022-03-23 | Qualification: 2022-03-08 | Yield at declaration: N/A
A plain-English reading of momentum, trend, volatility, range position, and trading participation.
RSI
36.0
Momentum is currently in a neutral range.
Recent trend
Falling
-3.0% across the latest saved price window.
Volatility
Low
Beta is 0.22. Price has historically moved more calmly than the wider market.
52-week position
40% of range
Price is sitting around the middle of its 52-week range.
Volume confirmation
2.08x average
Trading activity is above average, giving the current move stronger participation.
Capital markets access
UCAP may benefit from capital markets access. Confidence 85%.
United Capital acquired a 5% stake in NGX Group to strengthen its relationship with the exchange and benefit from capital market growth.
advisory / issuing-house role on fund
UCAP may benefit from advisory / issuing-house role on fund. Confidence 85%.
Article identifies United Capital Plc as the financial adviser and issuing house for the transaction, positioning it to benefit from advisory/fees and expanded deal activity as the fund raises capital.
advisory_role_on_fund
UCAP may benefit from advisory_role_on_fund. Confidence 85%.
United Capital Plc acted as the financial adviser and issuing house for the transaction, positioning it to earn advisory/transaction fees from the fund launch and capital‑raising activities.
advisory_and_issuing_house_role
UCAP may benefit from advisory_and_issuing_house_role. Confidence 80%.
United Capital acted as the financial adviser and issuing house for the transaction, positioning it to gain fees or mandates from the fund launch and related capital raising.
featured_in_stock_picks
UCAP may benefit from featured_in_stock_picks. Confidence 80%.
Article explicitly lists United Capital (UCAP) as a top stock pick for the week.
strategic_investment_in_capital_markets
UCAP may benefit from strategic_investment_in_capital_markets. Confidence 80%.
United Capital acquired a 5% stake in NGX Group to strengthen its relationship with Nigeria's exchange and support its business in capital markets.
Sector spillover signals
CBN FHC exposure draft
UCAP 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
UCAP 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
UCAP 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
UCAP 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
UCAP 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
UCAP 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
UCAP 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.
PenCom recapitalisation rules
UCAP may also move because the FINANCIAL SERVICES sector may move with pencom recapitalisation rules. Confidence 67%.
PenCom's revised minimum capital requirements and June 2027 compliance deadline are prompting industry-wide mergers, recapitalisations or exits among pension fund administrators.
UCAP
United Capital Plc
Price: ₦17.95
P/E: 8.21
Yield: 5.8%
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ACCESSCORP
Access Holdings Plc
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Yield: N/A
Industry
Security and Commodity Brokers, Dealers, Exchanges, and Services
Founded
2002
Employees
266
Exchange
NGX
Ticker
UCAP
2026-07-27
UNITED CAPITAL PLC-UCAP H1 2026 EARNINGS PRESS RELEASE - 27072026
2026-07-27
UNITED CAPITAL PLC-UCAP H1 2026 EARNINGS PRESS RELEASE - 27072026
2026-07-27
10.39