Jaiz Bank Plc (NGX:JAIZBANK)

Heartland Financial USA Statistics

Total Valuation

Jaiz Bank has a market cap or net worth of NGN 173.45 billion.

Market Cap	173.45B
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, July 30, 2025.

Earnings Date	Jul 30, 2025
Ex-Dividend Date	Jul 16, 2025

Share Statistics

Jaiz Bank has 44.59 billion shares outstanding. The number of shares has increased by 10.76% in one year.

Current Share Class	44.59B
Shares Outstanding	44.59B
Shares Change (YoY)	+10.76%
Shares Change (QoQ)	+0.39%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 5.91.

PE Ratio	5.91
Forward PE	n/a
PS Ratio	2.51
PB Ratio	2.43
P/TBV Ratio	2.43
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.70
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 47.94%.

Return on Equity (ROE)	47.94%
Return on Assets (ROA)	3.15%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	78.58M
Profits Per Employee	30.25M
Employee Count	878
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Jaiz Bank has paid 1.05 billion in taxes.

Income Tax	1.05B
Effective Tax Rate	3.80%

Stock Price Statistics

The stock price has increased by +85.24% in the last 52 weeks. The beta is -0.17, so Jaiz Bank's price volatility has been lower than the market average.

Beta (5Y)	-0.17
52-Week Price Change	+85.24%
50-Day Moving Average	3.37
200-Day Moving Average	3.05
Relative Strength Index (RSI)	61.63
Average Volume (20 Days)	19,039,479

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, Jaiz Bank had revenue of NGN 69.00 billion and earned 26.56 billion in profits. Earnings per share was 0.66.

Revenue	69.00B
Gross Profit	68.69B
Operating Income	27.61B
Pretax Income	27.61B
Net Income	26.56B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.66

Balance Sheet

The company has 270.37 billion in cash and 27.13 billion in debt, giving a net cash position of 243.24 billion or 5.46 per share.

Cash & Cash Equivalents	270.37B
Total Debt	27.13B
Net Cash	243.24B
Net Cash Per Share	5.46
Equity (Book Value)	71.47B
Book Value Per Share	1.60
Working Capital	-192.64B

Cash Flow

In the last 12 months, operating cash flow was -27.20 billion and capital expenditures -11.51 billion, giving a free cash flow of -38.71 billion.

Operating Cash Flow	-27.20B
Capital Expenditures	-11.51B
Free Cash Flow	-38.71B
FCF Per Share	-0.87

Margins

Gross Margin	n/a
Operating Margin	40.01%
Pretax Margin	40.01%
Profit Margin	38.49%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.07, which amounts to a dividend yield of 1.84%.

Dividend Per Share	0.07
Dividend Yield	1.84%
Dividend Growth (YoY)	75.00%
Years of Dividend Growth	n/a
Payout Ratio	10.64%
Buyback Yield	-10.76%
Shareholder Yield	-8.93%
Earnings Yield	15.31%
FCF Yield	-22.32%

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

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2