Cornerstone Insurance Plc (NGX:CORNERST)

Cornerstone Insurance Statistics

Total Valuation

NGX:CORNERST has a market cap or net worth of NGN 111.84 billion. The enterprise value is 89.21 billion.

Market Cap	111.84B
Enterprise Value	89.21B

Important Dates

The last earnings date was Friday, October 31, 2025.

Earnings Date	Oct 31, 2025
Ex-Dividend Date	Jul 8, 2025

Share Statistics

NGX:CORNERST has 18.04 billion shares outstanding. The number of shares has decreased by -0.32% in one year.

Current Share Class	18.04B
Shares Outstanding	18.04B
Shares Change (YoY)	-0.32%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 12.17.

PE Ratio	12.17
Forward PE	n/a
PS Ratio	2.06
PB Ratio	1.65
P/TBV Ratio	1.67
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 15.32, with an EV/FCF ratio of -17.85.

EV / Earnings	9.71
EV / Sales	1.65
EV / EBITDA	15.32
EV / EBIT	16.91
EV / FCF	-17.85

Financial Position

The company has a current ratio of 5.89

Current Ratio	5.89
Quick Ratio	3.97
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.99% and return on invested capital (ROIC) is 5.21%.

Return on Equity (ROE)	14.99%
Return on Assets (ROA)	2.63%
Return on Invested Capital (ROIC)	5.21%
Return on Capital Employed (ROCE)	4.26%
Revenue Per Employee	255.54M
Profits Per Employee	43.32M
Employee Count	212
Asset Turnover	0.43
Inventory Turnover	n/a

Taxes

In the past 12 months, NGX:CORNERST has paid 847.03 million in taxes.

Income Tax	847.03M
Effective Tax Rate	8.19%

Stock Price Statistics

The stock price has increased by +148.00% in the last 52 weeks. The beta is -0.19, so NGX:CORNERST's price volatility has been lower than the market average.

Beta (5Y)	-0.19
52-Week Price Change	+148.00%
50-Day Moving Average	6.39
200-Day Moving Average	4.61
Relative Strength Index (RSI)	50.97
Average Volume (20 Days)	2,269,411

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 54.18 billion and earned 9.18 billion in profits. Earnings per share was 0.51.

Revenue	54.18B
Gross Profit	19.36B
Operating Income	5.28B
Pretax Income	10.34B
Net Income	9.18B
EBITDA	5.82B
EBIT	5.28B
Earnings Per Share (EPS)	0.51

Balance Sheet

The company has 45.42 billion in cash and n/a in debt, giving a net cash position of 23.45 billion or 1.30 per share.

Cash & Cash Equivalents	45.42B
Total Debt	n/a
Net Cash	23.45B
Net Cash Per Share	1.30
Equity (Book Value)	67.88B
Book Value Per Share	3.72
Working Capital	58.48B

Cash Flow

In the last 12 months, operating cash flow was -3.91 billion and capital expenditures -1.09 billion, giving a free cash flow of -5.00 billion.

Operating Cash Flow	-3.91B
Capital Expenditures	-1.09B
Free Cash Flow	-5.00B
FCF Per Share	-0.28

Margins

Gross margin is 35.74%, with operating and profit margins of 9.74% and 16.95%.

Gross Margin	35.74%
Operating Margin	9.74%
Pretax Margin	19.09%
Profit Margin	16.95%
EBITDA Margin	10.75%
EBIT Margin	9.74%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.27, which amounts to a dividend yield of 4.66%.

Dividend Per Share	0.27
Dividend Yield	4.66%
Dividend Growth (YoY)	68.75%
Years of Dividend Growth	3
Payout Ratio	63.30%
Buyback Yield	0.32%
Shareholder Yield	4.99%
Earnings Yield	8.21%
FCF Yield	-4.47%

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	3