NPF Microfinance Bank Plc (NGX:NPFMCRFBK)

Nigeria · Delayed Price · Currency is NGN

4.200

-0.300 (-6.67%)

At close: Nov 4, 2026

NPF Microfinance Bank 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	19,603	17,181	11,784	8,473	6,242	5,079
Revenue Growth	21.68%	45.80%	39.08%	35.74%	22.89%	23.13%
Net Income	3,812	2,906	1,574	1,019	882.17	707.49
Earnings Per Share	0.64	0.48	0.26	0.17	0.15	0.28
EPS Growth	31.46%	84.57%	54.42%	15.56%	-47.14%	15.15%

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	25,923	19,825	33,838	17,488	6,499	6,610
Total Debt	3,142	3,305	694.75	2,205	2,570	2,760
Net Cash (Debt)	22,781	16,520	33,143	15,283	3,930	3,850
Net Cash Growth	196.36%	-50.16%	116.87%	288.90%	2.07%	46.39%
Net Cash Per Share	3.80	2.76	5.53	2.55	0.66	1.52

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	-65.19	-16,380	5,628	3,953	-5,849	1,059
Capital Expenditures	-1,213	-706.69	-668.96	-547.02	-456.68	-256
Free Cash Flow	-1,278	-17,087	4,959	3,406	-6,306	802.67
Free Cash Flow Growth	-	-	45.61%	-	-	-

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
Profit Margin	19.45%	16.91%	13.36%	12.03%	14.13%	13.93%
FCF Margin	-6.52%	-99.45%	42.08%	40.19%	-101.01%	15.80%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 5, 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	0.200	0.200	0.150	0.120	0.100	0.090
Dividend Per Share Growth	-25.93%	33.33%	25.00%	20.00%	11.11%	-50.00%
Dividend Yield	4.76%	5.39%	8.77%	6.19%	5.92%	5.88%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 5, 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	6.61	7.65	6.51	11.41	11.48	5.49
P/FCF Ratio	-	-	2.07	3.41	-	4.84
PS Ratio	1.28	1.29	0.87	1.37	1.62	0.77