GTCO Share Price Performance
₦89.00
35.80 (67.29%)
8.4% undervalued intrinsic discount
₦97.18
Fair Value
Price ₦89.00
AnalystConsensusTarget ₦97.18
AnalystHighTarget ₦100.25
AnalystLowTarget ₦68.38
Fair Value₦97.18
Share Pricen/a
Guaranty Trust Holding Company Plc Stock Price
- 4 Narratives written by author
- 8 Comments on narratives written by author
- 110 Fair Values set on narratives written by author
GTCO Community Narratives
AN
Fair Value ₦97.18 7.3% undervalued intrinsic discount
HabariPay And East Africa Expansion Will Bring Opportunities And Risks
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Fair Value ₦121.05 25.6% undervalued intrinsic discount
Digital Adoption And Urban Growth Will Transform West African Banking
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Fair Value ₦68.38 31.7% 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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AN
₦97.18
7.3% undervalued intrinsic discount
AnalystConsensusTarget Fair Value
Revenue
18.46% p.a.
Profit Margin
59.49%
Future PE
5.53x
Price in 2028
₦193.77
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
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AN
₦121.05
25.6% undervalued intrinsic discount
AnalystHighTarget Fair Value
Revenue
23.28% p.a.
Profit Margin
53.67%
Future PE
4.93x
Price in 2028
₦262.55
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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AN
₦68.38
31.7% overvalued intrinsic discount
AnalystLowTarget Fair Value
Revenue
18% p.a.
Profit Margin
59.43%
Future PE
2.87x
Price in 2028
₦148.32
Trending Discussion
Recently Updated Narratives
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GTCO: Lower Risk Profile And Strong Margins Will Drive Upside Potential
Fair Value: ₦97.18 7.3% undervalued intrinsic discount
42 followersusers have followed this narrative
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Aggressive Digital Trends And Volatile Nigeria Regulation Will Weaken Banking
Fair Value: ₦68.38 31.7% overvalued intrinsic discount
1 followerusers have followed this narrative
0 commentsusers have commented on this narrative
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AN
Digital Adoption And Urban Growth Will Transform West African Banking
Fair Value: ₦121.05 25.6% undervalued intrinsic discount
6 followersusers have followed this narrative
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
- 5866
- 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.