GUINEAINS

Guinea Insurance Plc trades at ₦0.74, representing a ~76% premium to the blended fair value of ₦0.42 (P/B-anchored, 50% weight) and a current P/E of ~20.5x against a blended justified multiple of ~6–8x — the stock is materially overvalued relative to its fundamentals. ROE of 5.5% (FY2025) sits far below the estimated cost of equity of ~18%, implying a justified P/B of only 0.40x versus the current 1.12x; the committee score returns a net score of -3 (weak) across value, quality, and momentum factors. The recently completed ₦12.6 billion hybrid capital raise addresses NAICOM's recapitalization threshold but is likely dilutive to per-share metrics in the near term.

Verdict published 2026-08-10 · fundamentals through Q2-2026 · reviewed as the data changes