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GTCO logo

Guaranty Trust Holding NGSE:GTCO Stock Report

Last Price

₦67.00

Market Cap

₦1.5t

7D

-2.0%

1Y

67.5%

Updated

02 Jun, 2025

Data

Company Financials +

Guaranty Trust Holding Company Plc

NGSE:GTCO Stock Report

Market Cap: ₦1.5t

GTCO Stock Overview

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. More details

GTCO fundamental analysis
Snowflake Score
Valuation4/6
Future Growth1/6
Past Performance3/6
Financial Health4/6
Dividends6/6

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₦79.98
FV
16.2% undervalued intrinsic discount
10.70%
Revenue growth p.a.
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4 days ago author updated this narrative

Guaranty Trust Holding Company Plc Competitors

Price History & Performance

Summary of share price highs, lows and changes for Guaranty Trust Holding
Historical stock prices
Current Share Price₦67.00
52 Week High₦71.00
52 Week Low₦39.00
Beta0.59
1 Month Change4.69%
3 Month Change13.56%
1 Year Change67.50%
3 Year Change197.78%
5 Year Change178.01%
Change since IPO25,874.93%

Recent News & Updates

Recent updates

author-image

Future Net Margins Will Be Squeezed By Windfall Tax Risk And Higher Operational Costs

Caution in maintaining flat guidance hints at potential upcoming economic or market challenges affecting growth.

Shareholder Returns

GTCONG BanksNG Market
7D-2.0%0.8%1.5%
1Y67.5%47.2%12.9%

Return vs Industry: GTCO exceeded the NG Banks industry which returned 47.2% over the past year.

Return vs Market: GTCO exceeded the NG Market which returned 12.9% over the past year.

Price Volatility

Is GTCO's price volatile compared to industry and market?
GTCO volatility
GTCO Average Weekly Movement6.1%
Banks Industry Average Movement6.4%
Market Average Movement7.6%
10% most volatile stocks in NG Market10.8%
10% least volatile stocks in NG Market3.0%

Stable Share Price: GTCO has not had significant price volatility in the past 3 months compared to the NG market.

Volatility Over Time: GTCO's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19905,803Segun Agbajewww.gtbank.com

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.

Guaranty Trust Holding Company Plc Fundamentals Summary

How do Guaranty Trust Holding's earnings and revenue compare to its market cap?
GTCO fundamental statistics
Market cap₦1.53t
Earnings (TTM)₦805.78b
Revenue (TTM)₦1.48t
1.9x
P/E Ratio
0.5x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
GTCO income statement (TTM)
Revenue₦1.48t
Cost of Revenue₦18.10b
Gross Profit₦1.47t
Other Expenses₦659.52b
Earnings₦805.78b

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)35.27
Gross Margin98.78%
Net Profit Margin54.32%
Debt/Equity Ratio9.3%

How did GTCO perform over the long term?

See historical performance and comparison

Dividends

12.0%
Current Dividend Yield
29%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/06/02 10:54
End of Day Share Price 2025/05/30 00:00
Earnings2025/03/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Guaranty Trust Holding Company Plc is covered by 23 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Timothy WambuAbsa Bank Limited
Judd MurigiAfrican Alliance
null nullARM Research