NPF Microfinance Bank Plc (NGX:NPFMCRFBK)

NPF Microfinance Bank Statistics

Total Valuation

NGX:NPFMCRFBK has a market cap or net worth of NGN 35.90 billion.

Market Cap	35.90B
Enterprise Value	n/a

Important Dates

The last earnings date was Tuesday, January 27, 2026.

Earnings Date	Jan 27, 2026
Ex-Dividend Date	May 29, 2025

Share Statistics

NGX:NPFMCRFBK has 5.99 billion shares outstanding. The number of shares has increased by 0.36% in one year.

Current Share Class	5.99B
Shares Outstanding	5.99B
Shares Change (YoY)	+0.36%
Shares Change (QoQ)	-0.07%
Owned by Insiders (%)	15.86%
Owned by Institutions (%)	n/a
Float	352.96M

Valuation Ratios

The trailing PE ratio is 8.94.

PE Ratio	8.94
Forward PE	n/a
PS Ratio	2.05
PB Ratio	2.39
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	-0.21
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 30.03%.

Return on Equity (ROE)	30.03%
Return on Assets (ROA)	5.89%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	7.17%
Revenue Per Employee	26.79M
Profits Per Employee	6.15M
Employee Count	655
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NGX:NPFMCRFBK has paid 1.67 billion in taxes.

Income Tax	1.67B
Effective Tax Rate	29.24%

Stock Price Statistics

The stock price has increased by +232.78% in the last 52 weeks. The beta is 0.65, so NGX:NPFMCRFBK's price volatility has been lower than the market average.

Beta (5Y)	0.65
52-Week Price Change	+232.78%
50-Day Moving Average	4.37
200-Day Moving Average	3.12
Relative Strength Index (RSI)	74.33
Average Volume (20 Days)	4,502,954

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, NGX:NPFMCRFBK had revenue of NGN 17.55 billion and earned 4.03 billion in profits. Earnings per share was 0.67.

Revenue	17.55B
Gross Profit	16.64B
Operating Income	5.75B
Pretax Income	5.69B
Net Income	4.03B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.67

Balance Sheet

The company has 19.76 billion in cash and 3.32 billion in debt, with a net cash position of 16.43 billion or 2.74 per share.

Cash & Cash Equivalents	19.76B
Total Debt	3.32B
Net Cash	16.43B
Net Cash Per Share	2.74
Equity (Book Value)	14.99B
Book Value Per Share	2.50
Working Capital	-22.39B

Cash Flow

In the last 12 months, operating cash flow was -15.21 billion and capital expenditures -727.07 million, giving a free cash flow of -15.93 billion.

Operating Cash Flow	-15.21B
Capital Expenditures	-727.07M
Free Cash Flow	-15.93B
FCF Per Share	-2.66

Margins

Gross Margin	n/a
Operating Margin	32.76%
Pretax Margin	32.45%
Profit Margin	22.96%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.15, which amounts to a dividend yield of 2.50%.

Dividend Per Share	0.15
Dividend Yield	2.50%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	3
Payout Ratio	22.31%
Buyback Yield	-0.36%
Shareholder Yield	2.15%
Earnings Yield	11.23%
FCF Yield	-44.38%

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

The last stock split was on May 30, 2022. It was a forward split with a ratio of 1.1111111111.

Last Split Date	May 30, 2022
Split Type	Forward
Split Ratio	1.1111111111

Scores

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