Guinea Insurance Plc (NGX:GUINEAINS)

Nigeria · Delayed Price · Currency is NGN

0.8000

+0.0400 (5.26%)

At close: Nov 3, 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	Sep '26 Sep 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	3,215	2,656	2,335	1,672	1,013	1,038
Revenue Growth	15.19%	13.75%	39.70%	65.06%	-2.44%	12.92%
Operating Income	93.23	177.49	30.66	67.64	-195.6	-112.3
Net Income	385.55	353.3	936.55	477.77	-83.27	-23.49
Earnings Per Share	0.05	0.04	0.12	0.06	-0.01	-0.00
EPS Growth	-7.97%	-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	Sep '26 Sep 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	12,933	1,398	1,314	1,026	387	383.57
Total Debt	-	-	-	-	-	-
Net Cash (Debt)	12,933	1,398	1,314	1,026	387	383.57
Net Cash Growth	1063.70%	6.46%	28.04%	165.10%	0.90%	-42.89%
Net Cash Per Share	1.63	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	Sep '26 Sep 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	-406.97	-343.81	167.74	580.64	-110.54	-129.04
Capital Expenditures	-98.2	-183.52	-96.07	-68.32	-12.43	-164.23
Free Cash Flow	-505.17	-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	Sep '26 Sep 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	2.90%	6.68%	1.31%	4.05%	-19.31%	-10.82%
Pretax Margin	12.75%	14.12%	38.73%	29.89%	-7.44%	-5.78%
Profit Margin	11.99%	13.30%	40.11%	28.58%	-8.22%	-2.26%
FCF Margin	-15.71%	-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	Nov '26 Nov 4, 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	16.48	29.90	6.87	4.82	-	-
P/FCF Ratio	-	-	89.77	4.50	-	-
PS Ratio	1.98	3.98	2.76	1.38	1.21	1.18