Guaranty Trust Holding Company Plc (NGX:GTCO)
Nigeria · Delayed Price · Currency is NGN 132.00
+0.10 (0.08%)
At close: Jul 24, 2026
NGX:GTCO Financials Overview
Financials in millions NGN. Fiscal year is January - December.
Millions NGN. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 1,725,850 | 1,706,448 | 1,669,272 | 859,727 | 412,052 | 383,765 |
Revenue Growth | 16.36% | 2.23% | 94.16% | 108.65% | 7.37% | -0.46% |
Net Income Net Income Growth | 814,467 | 853,548 | 1,006,220 | 534,425 | 166,737 | 172,107 |
Earnings Per Share EPS Growth | 23.55 | 25.43 | 35.44 | 19.07 | 5.95 | 6.14 |
EPS Growth | -13.75% | -28.24% | 85.82% | 220.50% | -3.07% | -13.63% |
| Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Corporate Banking Corporate Banking Growth | 1,045,499 | 1,049,159 | 508,389 | 203,638 | 181,214 |
Retail Banking Retail Banking Growth | 413,033 | 396,101 | 215,770 | 123,545 | 128,368 |
Business Banking Business Banking Growth | 27,694 | 21,962 | 13,383 | 7,810 | - |
Commercial Banking Commercial Banking Growth | 85,973 | 96,921 | 56,619 | 36,942 | 35,461 |
SME Banking SME Banking Growth | 96,648 | 70,443 | 44,964 | 29,796 | 27,703 |
Public Sector Banking Public Sector Banking Growth | 37,596 | 34,630 | 20,112 | 6,627 | 7,265 |
Total Total Growth | 1,706,443 | 1,669,217 | 859,236 | 412,052 | 383,765 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 6,156,792 | 5,418,846 | 4,457,103 | 2,051,965 | 1,748,688 | 992,541 |
Total Debt Total Debt Growth | 40,204 | 110,323 | 342,057 | 83,537 | 134,843 | 161,609 |
Net Cash (Debt) Net Cash Growth | 6,116,588 | 5,308,523 | 4,115,046 | 1,968,428 | 1,613,845 | 830,933 |
Net Cash Growth | 77.79% | 29.00% | 109.05% | 21.97% | 94.22% | 24.18% |
Net Cash Per Share Net Cash Per Share Growth | 176.86 | 158.15 | 144.92 | 70.25 | 57.59 | 29.64 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | 689,220 | 469,649 | 1,159,892 | -530,780 | 507,054 | 1,602 |
Capital Expenditures CapEx Growth | -76,467 | -125,575 | -128,315 | -38,258 | -22,276 | -43,228 |
Free Cash Flow Free Cash Flow Growth | 612,753 | 344,074 | 1,031,577 | -569,038 | 484,778 | -41,627 |
Free Cash Flow Growth | 42.98% | -66.65% | - | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Profit Margin | 47.19% | 50.02% | 60.28% | 62.16% | 40.47% | 44.85% |
FCF Margin | 35.50% | 20.16% | 61.80% | -66.19% | 117.65% | -10.85% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 25, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 12.760 | 12.760 | 8.030 | 3.200 | 3.100 | 3.000 |
Dividend Per Share Growth | 58.90% | 58.90% | 150.94% | 3.23% | 3.33% | 0% |
Dividend Yield | 9.67% | 15.42% | 17.44% | 10.81% | 21.08% | 20.45% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 25, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 5.61 | 3.87 | 1.67 | 2.23 | 4.06 | 4.45 |
Forward PE | 4.56 | 3.11 | 1.74 | 3.28 | 3.29 | 3.68 |
P/FCF Ratio | 7.87 | 9.60 | 1.63 | - | 1.40 | - |
PS Ratio | 2.80 | 1.94 | 1.00 | 1.39 | 1.64 | 1.99 |