NPF Microfinance Bank Plc (NGX:NPFMCRFBK)

NPF Microfinance Bank Statistics

Total Valuation

NGX:NPFMCRFBK has a market cap or net worth of NGN 33.56 billion.

Market Cap	33.56B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, May 8, 2026.

Earnings Date	May 8, 2026
Ex-Dividend Date	May 29, 2025

Share Statistics

NGX:NPFMCRFBK has 5.99 billion shares outstanding.

Current Share Class	5.99B
Shares Outstanding	5.99B
Shares Change (YoY)	n/a
Shares Change (QoQ)	-1.50%
Owned by Insiders (%)	15.86%
Owned by Institutions (%)	n/a
Float	352.96M

Valuation Ratios

The trailing PE ratio is 11.55.

PE Ratio	11.55
Forward PE	n/a
PS Ratio	1.95
PB Ratio	2.42
P/TBV Ratio	2.46
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	-0.19
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 22.61%.

Return on Equity (ROE)	22.61%
Return on Assets (ROA)	4.26%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	7.35%
Revenue Per Employee	26.23M
Profits Per Employee	4.44M
Employee Count	655
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NGX:NPFMCRFBK has paid 1.45 billion in taxes.

Income Tax	1.45B
Effective Tax Rate	33.28%

Stock Price Statistics

The stock price has increased by +229.41% in the last 52 weeks. The beta is 0.70, so NGX:NPFMCRFBK's price volatility has been lower than the market average.

Beta (5Y)	0.70
52-Week Price Change	+229.41%
50-Day Moving Average	6.41
200-Day Moving Average	3.98
Relative Strength Index (RSI)	35.77
Average Volume (20 Days)	1,900,056

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 17.18 billion and earned 2.91 billion in profits. Earnings per share was 0.48.

Revenue	17.18B
Gross Profit	16.27B
Operating Income	4.41B
Pretax Income	4.35B
Net Income	2.91B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.48

Balance Sheet

The company has 19.83 billion in cash and 3.30 billion in debt, with a net cash position of 16.52 billion or 2.76 per share.

Cash & Cash Equivalents	19.83B
Total Debt	3.30B
Net Cash	16.52B
Net Cash Per Share	2.76
Equity (Book Value)	13.85B
Book Value Per Share	2.31
Working Capital	-25.82B

Cash Flow

In the last 12 months, operating cash flow was -16.38 billion and capital expenditures -706.69 million, giving a free cash flow of -17.09 billion.

Operating Cash Flow	-16.38B
Capital Expenditures	-706.69M
Depreciation & Amortization	n/a
Net Borrowing	2.32B
Free Cash Flow	-17.09B
FCF Per Share	-2.85

Margins

Gross Margin	n/a
Operating Margin	25.66%
Pretax Margin	25.35%
Profit Margin	16.91%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.20, which amounts to a dividend yield of 3.45%.

Dividend Per Share	0.20
Dividend Yield	3.45%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	3
Payout Ratio	30.94%
Buyback Yield	n/a
Shareholder Yield	3.45%
Earnings Yield	8.66%
FCF Yield	-50.91%

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