NPF Microfinance Bank Plc (NGX:NPFMCRFBK)

NPF Microfinance Bank Statistics

Total Valuation

NGX:NPFMCRFBK has a market cap or net worth of NGN 18.64 billion.

Market Cap	18.64B
Enterprise Value	n/a

Important Dates

The last earnings date was Tuesday, July 29, 2025.

Earnings Date	Jul 29, 2025
Ex-Dividend Date	May 29, 2025

Share Statistics

NGX:NPFMCRFBK has 5.99 billion shares outstanding. The number of shares has decreased by -2.00% in one year.

Current Share Class	5.99B
Shares Outstanding	5.99B
Shares Change (YoY)	-2.00%
Shares Change (QoQ)	-1.64%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 6.83.

PE Ratio	6.83
Forward PE	n/a
PS Ratio	1.21
PB Ratio	1.45
P/TBV Ratio	1.45
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	-0.04
Interest Coverage	n/a

Financial Efficiency

Return on Equity (ROE)	n/a
Return on Assets (ROA)	n/a
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	23.49M
Profits Per Employee	4.15M
Employee Count	655
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NGX:NPFMCRFBK has paid 1.63 billion in taxes.

Income Tax	1.63B
Effective Tax Rate	37.53%

Stock Price Statistics

The stock price has increased by +85.12% in the last 52 weeks. The beta is 0.28, so NGX:NPFMCRFBK's price volatility has been lower than the market average.

Beta (5Y)	0.28
52-Week Price Change	+85.12%
50-Day Moving Average	2.67
200-Day Moving Average	2.01
Relative Strength Index (RSI)	53.62
Average Volume (20 Days)	3,326,079

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 15.38 billion and earned 2.72 billion in profits. Earnings per share was 0.46.

Revenue	15.38B
Gross Profit	14.68B
Operating Income	4.35B
Pretax Income	4.35B
Net Income	2.72B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.46

Balance Sheet

The company has 9.82 billion in cash and 424.19 million in debt, giving a net cash position of 9.40 billion or 1.57 per share.

Cash & Cash Equivalents	9.82B
Total Debt	424.19M
Net Cash	9.40B
Net Cash Per Share	1.57
Equity (Book Value)	12.90B
Book Value Per Share	2.15
Working Capital	-24.31B

Cash Flow

In the last 12 months, operating cash flow was -9.95 billion and capital expenditures -565.50 million, giving a free cash flow of -10.51 billion.

Operating Cash Flow	-9.95B
Capital Expenditures	-565.50M
Free Cash Flow	-10.51B
FCF Per Share	-1.75

Margins

Gross Margin	n/a
Operating Margin	28.25%
Pretax Margin	28.26%
Profit Margin	17.65%
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 4.82%.

Dividend Per Share	0.15
Dividend Yield	4.82%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	59.59%
Buyback Yield	2.00%
Shareholder Yield	6.83%
Earnings Yield	14.57%
FCF Yield	-56.41%

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	1