Guaranty Trust Holding Co Plc
Key stats
GTCO Price History
Yearly close — last 5-7 years
🧮 If you had invested in GTCO…
Past performance does not guarantee future returns.
Key milestones
Dividend History
| Year | Interim | Final | Total /share | Yield |
|---|---|---|---|---|
| 2025 | ₦2 | ₦10 | ₦12 | |
| 2024 | ₦1 | ₦7 | ₦8 | |
| 2023 | ₦1 | ₦4 | ₦5 | |
| 2022 | ₦0 | ₦3 | ₦3 | |
| 2021 | ₦0 | ₦3 | ₦3 |
Financial Highlights (₦ Billions)
| Metric | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | ₦1,088B | ₦1,725B | ₦2,300B |
| Net profit | ₦435B | ₦710B | ₦1,000B |
| Profit margin | 40.0% | 41.2% | 43.5% |
| EPS | ₦14.76 | ₦24.1 | ₦33.95 |
| Total assets | ₦8,200B | ₦12,400B | ₦15,000B |
| ROE | 30.0% | 42.0% | 48.0% |
Why Lagosian dey care about GTCO
About di company
Business segments
Best-in-class bank brand and customer service. 1.6x PE with 40% earnings growth is a value anomaly. HabariPay fintech could re-rate the multiple. 8% dividend yield supports income investors. Pan-African footprint diversifies risk.
CBN recapitalization mandate may require equity raise. Banking sector broadly distressed (NPL concerns). Regulatory ceiling on net interest margins. Kenya/Ghana subsidiaries face FX volatility.
Key risks
- ⚠CBN recapitalization mandate (potential equity dilution)
- ⚠Non-performing loan concerns across Nigerian banking
- ⚠Net interest margin compression
- ⚠African subsidiary FX risk
- ⚠Cyber security exposure given retail dominance
Trading activity — past 3 months
GTCO is among the top 5 most-traded financial stocks. GTCO traded 480 million shares in 220,000 deals worth ₦62 billion over the past three months. Volume spikes routinely on dividend announcement and quarterly results.
Financial Services sector — GTCO dey rank 1 of 7
By market cap
| # | Ticker | Name | Price | Mkt cap | YTD |
|---|---|---|---|---|---|
| 1 | GTCO | Guaranty Trust Holding Co Plc | ₦139 | +55% | |
| 2 | ZENITHBANK | Zenith Bank Plc | ₦110 | +60% | |
| 3 | NGXGROUP | Nigerian Exchange Group Plc | ₦164 | +496% | |
| 4 | FIRSTHOLDCO | FBN Holdings Plc | ₦60 | +70% | |
| 5 | UBA | United Bank for Africa Plc | ₦49 | +65% | |
| 6 | ACCESSCORP | Access Holdings Plc | ₦27 | +55% | |
| 7 | FIDELITYBK | Fidelity Bank Plc | ₦18 | +80% |
Frequent Question
Important Disclaimer
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Past performance no be guarantee for future result. Stock price fit go down as e fit go up, and you fit lose some or all of your investment. Always consult licensed stockbroker or financial advisor before you make investment decision.
Data dey come from di Nigerian Exchange (NGX) and public corporate disclosure.