GTCO Share Price Performance
₦135.00
71.00 (110.94%)
16.2% overvalued intrinsic discount
₦116.17
Fair Value
Price ₦135.00
AnalystConsensusTarget ₦116.17
AnalystHighTarget ₦131.83
AnalystLowTarget ₦72.96
Fair Value₦116.17
Share Pricen/a
Guaranty Trust Holding Company Plc Stock Price
- 4 Narratives written by author
- 10 Comments on narratives written by author
- 133 Fair Values set on narratives written by author
GTCO Community Narratives
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Fair Value
·Fair Value ₦116.17 16.2% overvalued intrinsic discount
HabariPay And East Africa Expansion Will Bring Opportunities And Risks
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48users have followed this narrative
AN
Fair Value
·Fair Value ₦131.83 2.4% overvalued intrinsic discount
Digital Adoption And Urban Growth Will Transform West African Banking
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10users have followed this narrative
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Fair Value
·Fair Value ₦72.96 85.0% overvalued intrinsic discount
Aggressive Digital Trends And Volatile Nigeria Regulation Will Weaken Banking
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HabariPay And East Africa Expansion Will Bring Opportunities And Risks
Key Takeaways Strategic capital raising and regional expansion initiatives are poised to enhance earnings growth through investment and market penetration. A diversified earnings base and improved loan portfolio offer stability and potential for enhanced profitability.Read more
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₦116.17
16.2% overvalued intrinsic discount
Fair Value
Revenue
13.29% p.a.
Profit Margin
58.3%
Future PE
6.63x
Price in 2029
₦229.14
Aggressive Digital Trends And Volatile Nigeria Regulation Will Weaken Banking
Key Takeaways Digital disruption and changing consumer payment habits threaten core revenue streams and market dominance, raising risks to sustained growth and profitability. Exposure to regulatory instability, ESG pressures, and intensifying competitive landscape may limit funding access and strain asset quality, further endangering long-term returns.Read more
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₦72.96
85.0% overvalued intrinsic discount
Fair Value
Revenue
18.05% p.a.
Profit Margin
57.57%
Future PE
3.58x
Price in 2029
₦143.91
Digital Adoption And Urban Growth Will Transform West African Banking
Key Takeaways Strong capital position and agile balance sheet allow for accelerated loan growth, technology investment, and resilient earnings beyond current market expectations. Deep customer base and advanced payment capabilities uniquely position Guaranty Trust to dominate Africa's evolving digital payments and capture outsized growth in core banking revenue.Read more
AN
₦131.83
2.4% overvalued intrinsic discount
Fair Value
Revenue
20.84% p.a.
Profit Margin
63.37%
Future PE
6.63x
Price in 2029
₦314.62
Trending Discussion
Recently Updated Narratives
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GTCO: Future Returns Will Depend On Sustained But Vulnerable Margin Strength
Fair Value: ₦116.17 16.2% overvalued intrinsic discount
48 fair values setusers have set this as their fair value
0 commentsusers have commented on this narrative
1 likeusers have liked this narrative
AN
GTCO: Upcoming Dividend Board Meeting Will Reinforce Elevated Downside Risk
Fair Value: ₦72.96 85.0% overvalued intrinsic discount
3 fair values setusers have set this as their fair value
0 commentsusers have commented on this narrative
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GTCO: Stable Margins And Board Dividend Agenda Will Support Future Upside
Fair Value: ₦131.83 2.4% overvalued intrinsic discount
10 fair values setusers have set this as their fair value
0 commentsusers have commented on this narrative
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Snowflake Analysis
Guaranty Trust Holding Company Plc Key Details
About GTCO
- Founded
- 1990
- Employees
- 6122
- CEO
- WebsiteView website
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. It 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.
Recent GTCO News & Updates
GTCO: Future Returns Will Rely On Sustained Margin Strength
Analysts have adjusted their NGN price target for Guaranty Trust Holding to reflect updated assumptions that keep fair value steady at NGN107.71, with revised expectations for revenue growth, profit margins and future P/E now shaping the narrative around the stock. What's in the News Guaranty Trust Holding Company Plc proposed a final dividend of NGN 11.76K per ordinary share of 50 Kobo for the period ended December 31, 2025, subject to withholding tax and shareholder approval, bringing the total dividend for the 2025 financial year to NGN 12.76K per share (Key Developments).