Cornerstone Insurance Plc (NGX:CORNERST)

Cornerstone Insurance Statistics

Total Valuation

NGX:CORNERST has a market cap or net worth of NGN 105.17 billion. The enterprise value is 83.88 billion.

Market Cap	105.17B
Enterprise Value	83.88B

Important Dates

The last earnings date was Tuesday, January 27, 2026.

Earnings Date	Jan 27, 2026
Ex-Dividend Date	Jul 8, 2025

Share Statistics

NGX:CORNERST has 18.04 billion shares outstanding.

Current Share Class	18.04B
Shares Outstanding	18.04B
Shares Change (YoY)	n/a
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 12.71.

PE Ratio	12.71
Forward PE	n/a
PS Ratio	1.72
PB Ratio	1.51
P/TBV Ratio	1.52
P/FCF Ratio	28.42
P/OCF Ratio	22.63
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 6.37, with an EV/FCF ratio of 22.67.

EV / Earnings	10.14
EV / Sales	1.37
EV / EBITDA	6.37
EV / EBIT	6.60
EV / FCF	22.67

Financial Position

The company has a current ratio of 2.05

Current Ratio	2.05
Quick Ratio	1.57
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.77% and return on invested capital (ROIC) is 16.88%.

Return on Equity (ROE)	12.77%
Return on Assets (ROA)	6.13%
Return on Invested Capital (ROIC)	16.88%
Return on Capital Employed (ROCE)	12.53%
Weighted Average Cost of Capital (WACC)	3.35%
Revenue Per Employee	288.37M
Profits Per Employee	39.00M
Employee Count	212
Asset Turnover	0.47
Inventory Turnover	n/a

Taxes

In the past 12 months, NGX:CORNERST has paid 785.15 million in taxes.

Income Tax	785.15M
Effective Tax Rate	8.62%

Stock Price Statistics

The stock price has increased by +74.03% in the last 52 weeks. The beta is -0.16, so NGX:CORNERST's price volatility has been lower than the market average.

Beta (5Y)	-0.16
52-Week Price Change	+74.03%
50-Day Moving Average	5.99
200-Day Moving Average	5.44
Relative Strength Index (RSI)	45.52
Average Volume (20 Days)	2,160,785

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 61.13 billion and earned 8.27 billion in profits. Earnings per share was 0.46.

Revenue	61.13B
Gross Profit	24.31B
Operating Income	12.72B
Pretax Income	9.11B
Net Income	8.27B
EBITDA	13.17B
EBIT	12.72B
Earnings Per Share (EPS)	0.46

Balance Sheet

The company has 54.58 billion in cash and n/a in debt, with a net cash position of 22.11 billion or 1.23 per share.

Cash & Cash Equivalents	54.58B
Total Debt	n/a
Net Cash	22.11B
Net Cash Per Share	1.23
Equity (Book Value)	69.83B
Book Value Per Share	3.83
Working Capital	37.89B

Cash Flow

In the last 12 months, operating cash flow was 4.65 billion and capital expenditures -947.24 million, giving a free cash flow of 3.70 billion.

Operating Cash Flow	4.65B
Capital Expenditures	-947.24M
Free Cash Flow	3.70B
FCF Per Share	0.21

Margins

Gross margin is 39.76%, with operating and profit margins of 20.80% and 13.53%.

Gross Margin	39.76%
Operating Margin	20.80%
Pretax Margin	14.90%
Profit Margin	13.53%
EBITDA Margin	21.54%
EBIT Margin	20.80%
FCF Margin	6.05%

Dividends & Yields

This stock pays an annual dividend of 0.27, which amounts to a dividend yield of 4.63%.

Dividend Per Share	0.27
Dividend Yield	4.63%
Dividend Growth (YoY)	68.75%
Years of Dividend Growth	4
Payout Ratio	58.85%
Buyback Yield	n/a
Shareholder Yield	4.80%
Earnings Yield	7.86%
FCF Yield	3.52%

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