Cornerstone Insurance Plc (NGX:CORNERST)

Cornerstone Insurance Statistics

Total Valuation

NGX:CORNERST has a market cap or net worth of NGN 130.78 billion. The enterprise value is 107.44 billion.

Market Cap	130.78B
Enterprise Value	107.44B

Important Dates

The next estimated earnings date is Wednesday, October 29, 2025.

Earnings Date	Oct 29, 2025
Ex-Dividend Date	Jul 8, 2025

Share Statistics

NGX:CORNERST has 18.04 billion shares outstanding. The number of shares has increased by 0.24% in one year.

Current Share Class	18.04B
Shares Outstanding	18.04B
Shares Change (YoY)	+0.24%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	0.00%
Owned by Institutions (%)	n/a
Float	3.69B

Valuation Ratios

The trailing PE ratio is 25.33.

PE Ratio	25.33
Forward PE	n/a
PS Ratio	2.56
PB Ratio	1.93
P/TBV Ratio	1.95
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 24.55, with an EV/FCF ratio of -13.56.

EV / Earnings	20.82
EV / Sales	2.10
EV / EBITDA	24.55
EV / EBIT	26.89
EV / FCF	-13.56

Financial Position

The company has a current ratio of 1.52

Current Ratio	1.52
Quick Ratio	1.30
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.99% and return on invested capital (ROIC) is 3.87%.

Return on Equity (ROE)	7.99%
Return on Assets (ROA)	1.98%
Return on Invested Capital (ROIC)	3.87%
Return on Capital Employed (ROCE)	4.26%
Revenue Per Employee	241.03M
Profits Per Employee	24.35M
Employee Count	212
Asset Turnover	0.40
Inventory Turnover	n/a

Taxes

In the past 12 months, NGX:CORNERST has paid 2.32 billion in taxes.

Income Tax	2.32B
Effective Tax Rate	31.08%

Stock Price Statistics

The stock price has increased by +190.00% in the last 52 weeks. The beta is -0.17, so NGX:CORNERST's price volatility has been lower than the market average.

Beta (5Y)	-0.17
52-Week Price Change	+190.00%
50-Day Moving Average	5.88
200-Day Moving Average	4.00
Relative Strength Index (RSI)	57.01
Average Volume (20 Days)	2,309,907

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, NGX:CORNERST had revenue of NGN 51.10 billion and earned 5.16 billion in profits. Earnings per share was 0.29.

Revenue	51.10B
Gross Profit	17.70B
Operating Income	4.00B
Pretax Income	7.48B
Net Income	5.16B
EBITDA	4.38B
EBIT	4.00B
Earnings Per Share (EPS)	0.29

Balance Sheet

The company has 48.86 billion in cash and n/a in debt, giving a net cash position of 24.15 billion or 1.34 per share.

Cash & Cash Equivalents	48.86B
Total Debt	n/a
Net Cash	24.15B
Net Cash Per Share	1.34
Equity (Book Value)	67.90B
Book Value Per Share	3.72
Working Capital	21.70B

Cash Flow

In the last 12 months, operating cash flow was -7.03 billion and capital expenditures -893.37 million, giving a free cash flow of -7.92 billion.

Operating Cash Flow	-7.03B
Capital Expenditures	-893.37M
Free Cash Flow	-7.92B
FCF Per Share	-0.44

Margins

Gross margin is 34.65%, with operating and profit margins of 7.82% and 10.10%.

Gross Margin	34.65%
Operating Margin	7.82%
Pretax Margin	14.63%
Profit Margin	10.10%
EBITDA Margin	8.56%
EBIT Margin	7.82%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.27, which amounts to a dividend yield of 3.68%.

Dividend Per Share	0.27
Dividend Yield	3.68%
Dividend Growth (YoY)	68.75%
Years of Dividend Growth	3
Payout Ratio	94.33%
Buyback Yield	-0.24%
Shareholder Yield	3.45%
Earnings Yield	3.95%
FCF Yield	-6.06%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on August 13, 2020. It was a forward split with a ratio of 1.2333345667.

Last Split Date	Aug 13, 2020
Split Type	Forward
Split Ratio	1.2333345667

Scores

Altman Z-Score	n/a
Piotroski F-Score	4