Guinea Insurance Plc (NGX:GUINEAINS)

Nigeria · Delayed Price · Currency is NGN

0.7800

+0.0400 (5.41%)

At close: Aug 10, 2026

Guinea Insurance Financials Overview

Financials in millions NGN. Fiscal year is January - December.

Millions NGN. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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	2,699	2,656	2,335	1,672	1,013	1,038
Revenue Growth	1.49%	13.75%	39.70%	65.06%	-2.44%	12.92%
Operating Income	-206.08	177.49	30.66	67.64	-195.6	-112.3
Net Income	78.9	353.3	936.55	477.77	-83.27	-23.49
Earnings Per Share	0.01	0.04	0.12	0.06	-0.01	-0.00
EPS Growth	-88.82%	-62.28%	96.03%	-	-	-

Revenue by Segment

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
General Accident	1,778	1,705	1,080	676.16	359.65
Motor	420.58	582.86	410.81	338.56	354.92
Marine and Aviation	121.77	93.11	80.38	103.78	-13.67
Fire	607.49	456.15	506.22	272.15	249.52
Total	2,928	2,837	2,077	1,391	950.42

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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	3,951	1,398	1,314	1,026	387	383.57
Total Debt	-	-	-	-	-	-
Net Cash (Debt)	3,951	1,398	1,314	1,026	387	383.57
Net Cash Growth	225.32%	6.46%	28.04%	165.10%	0.90%	-42.89%
Net Cash Per Share	0.50	0.18	0.17	0.13	0.06	0.06

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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	-668.64	-343.81	167.74	580.64	-110.54	-129.04
Capital Expenditures	-121.92	-183.52	-96.07	-68.32	-12.43	-164.23
Free Cash Flow	-790.56	-527.33	71.67	512.32	-122.97	-293.26
Free Cash Flow Growth	-	-	-86.01%	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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 Margin	-7.64%	6.68%	1.31%	4.05%	-19.31%	-10.82%
Pretax Margin	3.83%	14.12%	38.73%	29.89%	-7.44%	-5.78%
Profit Margin	2.92%	13.30%	40.11%	28.58%	-8.22%	-2.26%
FCF Margin	-29.29%	-19.85%	3.07%	30.65%	-12.14%	-28.25%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 11, 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	78.52	29.90	6.87	4.82	-	-
P/FCF Ratio	-	-	89.77	4.50	-	-
PS Ratio	2.30	3.98	2.76	1.38	1.21	1.18