Guaranty Trust Holding (GTRH.F) 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

GTRH.F fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	4/6
Past Performance	3/6
Financial Health	4/6
Dividends	6/6

Rewards

Trading at 67.1% below our estimate of its fair value

Earnings are forecast to grow 18.52% per year

Earnings have grown 35.3% per year over the past 5 years

Pays a high and reliable dividend of 9.82%

Analysts in good agreement that stock price will rise by 21.1%

Risk Analysis

Shares are highly illiquid

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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	₦0.094
52 Week High	₦0.094
52 Week Low	₦0.094
Beta	0.85
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	0%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	GTRH.F	US Banks	US Market
7D	0%	0.07%	0.09%
1Y	n/a	26.2%	19.0%

Return vs Industry: Insufficient data to determine how GTRH.F performed against the US Banks industry.

Return vs Market: Insufficient data to determine how GTRH.F performed against the US Market.

Price Volatility

Is GTRH.F's price volatile compared to industry and market?
GTRH.F volatility
GTRH.F Average Weekly Movement	n/a
Banks Industry Average Movement	3.3%
Market Average Movement	7.2%
10% most volatile stocks in US Market	16.3%
10% least volatile stocks in US Market	3.1%

Stable Share Price: GTRH.F's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine GTRH.F's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1990	6,122	Segun Agbaje	www.gtcoplc.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. The company 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?
GTRH.F fundamental statistics
Market cap	US$3.46b
Earnings (TTM)	US$597.89m
Revenue (TTM)	US$1.27b

5.8x

P/E Ratio

1.3x

P/B Ratio

Is GTRH.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
GTRH.F income statement (TTM)
Revenue	₦1.73t
Cost of Revenue	₦20.19b
Gross Profit	₦1.71t
Other Expenses	₦891.20b
Earnings	₦814.47b

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)	22.28
Gross Margin	98.83%
Net Profit Margin	47.19%
Debt/Equity Ratio	0.5%

How did GTRH.F perform over the long term?

See historical performance and comparison

Dividends

9.9%

Current Dividend Yield

54%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/08/12 13:38
End of Day Share Price	2026/07/22 00:00
Earnings	2026/03/31
Annual Earnings	2025/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 16 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Timothy Wambu	Absa Bank Limited
null null	ARM Research
Jaap Meijer	Arqaam Capital Research Offshore S.A.L.