Update shared on 03 Dec 2025
Fair value Increased 5.73%Analysts have nudged their price target on Guaranty Trust Holding higher, lifting fair value by approximately 6 percent to about ₦97 per share, citing a lower perceived risk profile, resilient profitability with expanding margins, and attractive forward earnings multiples.
Valuation Changes
- Fair Value has risen slightly from about NGN 91.91 to NGN 97.18 per share, reflecting a modest upward reassessment of intrinsic worth.
- Discount Rate has fallen significantly from roughly 29.85 percent to 25.87 percent, indicating a lower perceived risk premium in the valuation model.
- Revenue Growth expectations have declined materially from about 26.22 percent to 18.46 percent, pointing to a more conservative outlook on top line expansion.
- Net Profit Margin has improved meaningfully from roughly 52.77 percent to 59.49 percent, suggesting stronger expected profitability per unit of revenue.
- Future P/E has edged down slightly from about 5.70x to 5.53x, implying a marginally cheaper valuation on forward earnings.
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