Regency Alliance Insurance Plc (NGX:REGALINS)

Nigeria · Delayed Price · Currency is NGN

0.8700

+0.0200 (2.35%)

At close: Jul 24, 2026

NGX:REGALINS 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	Dec '25 Dec 31, 2025	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	11,645	11,645	8,999	7,394	5,856	3,055
Revenue Growth	52.14%	29.40%	21.70%	26.27%	91.69%	-40.18%
Operating Income	646.51	646.51	2,353	1,643	606.23	347.02
Net Income	618.53	618.53	2,266	1,943	594.59	322.43
Earnings Per Share	0.04	0.04	0.14	0.12	0.04	0.02
EPS Growth	-63.27%	-72.74%	16.61%	226.80%	84.41%	-48.19%

Revenue by Segment

Fiscal Year	FY 2024
Period Ending	Dec '24 Dec 31, 2024
Regency Alliance Nigeria - Non Life	7,009
Ric Tecnologies Nigeria - Vehicle Tracking	30.6
Ric Microfinance Bank Nigeria - Microfinance Bank	65.66
Ric Prop. & Invest Nigeria - Prop. & Invest.	101.58
Total	7,206

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	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	1,845	1,845	2,316	1,328	1,525	2,256
Total Debt	-	-	-	-	-	-
Net Cash (Debt)	1,845	1,845	2,316	1,328	1,525	2,256
Net Cash Growth	42.92%	-20.31%	74.33%	-12.89%	-32.41%	12.90%
Net Cash Per Share	0.12	0.12	0.14	0.08	0.10	0.14

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	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	-3,326	-3,326	-1,297	-130	834.13	264.85
Capital Expenditures	-35.57	-35.57	-698.62	-197.57	-102.76	-116.74
Free Cash Flow	-3,362	-3,362	-1,995	-327.58	731.37	148.11
Free Cash Flow Growth	-	-	-	-	393.80%	-64.49%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	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 Margin	5.55%	5.55%	26.14%	22.22%	10.35%	11.36%
Pretax Margin	5.97%	5.97%	27.96%	28.51%	10.55%	11.31%
Profit Margin	5.31%	5.31%	25.18%	26.28%	10.15%	10.55%
FCF Margin	-28.87%	-28.87%	-22.17%	-4.43%	12.49%	4.85%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 25, 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	22.54	27.95	3.97	1.30	2.80	10.55
P/FCF Ratio	-	-	-	-	2.28	22.96
PS Ratio	1.20	1.48	1.00	0.34	0.28	1.11