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GTCO Margins Are Expected To Support Higher Future Share Price

Digital Adoption And Urban Growth Will Transform West African Banking

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GTCO
AnalystHighTarget
Not Invested
Published 27 Jul 2025

Update shared on 17 Dec 2025

Fair value Increased 7.40%
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AnalystHighTarget's Fair Value
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1Y
54.6%
7D
-2.0%

Analysts have raised their price target on Guaranty Trust Holding from ₦121.05 to ₦130.00, citing expectations of structurally higher profit margins and a modestly richer valuation multiple that more than offsets slightly slower projected revenue growth.

What's in the News

  • Board meeting scheduled for January 27, 2026, to review audited financial statements for the year ending December 31, 2025 (company filing)
  • Full year dividend considerations are expected to be tabled at the January 27, 2026, board meeting (company filing)
  • Directors will also discuss other strategic and operational business matters during the upcoming board session (company filing)

Valuation Changes

  • The fair value estimate has risen modestly from NGN 121.05 to NGN 130.00, reflecting a higher assessed intrinsic value per share.
  • The discount rate has increased slightly from 25.40 percent to 25.87 percent, implying a marginally higher required return on equity.
  • The revenue growth assumption has fallen from about 23.28 percent to 20.32 percent, indicating a more conservative outlook on top line expansion.
  • The net profit margin has risen significantly from roughly 53.67 percent to 65.00 percent, signaling expectations of stronger earnings efficiency.
  • The future P/E multiple has increased from about 4.93x to 6.46x, pointing to a modestly richer valuation being applied to forward earnings.

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Disclaimer

AnalystHighTarget is a tool utilizing a Large Language Model (LLM) that ingests data on consensus price targets, forecasted revenue and earnings figures, as well as the transcripts of earnings calls to produce qualitative analysis. The narratives produced by AnalystHighTarget are general in nature and are based solely on analyst data and publicly-available material published by the respective companies. These scenarios are not indicative of the company's future performance and are exploratory in nature. Simply Wall St has no position in the company(s) mentioned. Simply Wall St may provide the securities issuer or related entities with website advertising services for a fee, on an arm's length basis. These relationships have no impact on the way we conduct our business, the content we host, or how our content is served to users. The price targets and estimates used are consensus data, and do not constitute a recommendation to buy or sell any stock, and they do not take account of your objectives, or your financial situation. Note that AnalystHighTarget's analysis may not factor in the latest price-sensitive company announcements or qualitative material.