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Financial Services · Credit Services · Price, fundamentals, signals, and forward-looking context in one research view.
Financial Services
₦202T
1.4%
12.09
Current price
₦322,410.00
-2.1% todayUpdated 59 min ago
Open
₦328,500.00
Previous close
₦329,400.00
Day range
₦321,735.00 – ₦331,155.00
Volume
N/A
12.1x P/E
Awaiting filing
1.4% yield
65/100 measured
Moderate liquidity
COF has a positive bias over 30 days and strong upside over one year.
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Expected move
+1.09%
Expected price
₦333,000.00
Lower path
₦318,030.00
Upper path
₦347,985.00
Confidence
Whisone is bullish because fundamentals are solid at 74/100 while there is no strong bear warning from the current data. Whisone has moderate conviction here. The final read is being balanced by the weighted scores for fundamentals, technicals, insider flow, sentiment, event flow, and liquidity.
Whisone v2 splits the read into weighted parts so the score is not just one hidden number.
Fundamentals
Growth, margins, cash flow, and valuation.
Latest net profit
₦4.53T
TTM (2026-06-30)
ROE
9.0%
Return on equity
ROA
1.5%
Return on assets
Debt / equity
0.39
Lower is usually safer.
Debt / assets
0.07
How much assets are funded by liabilities.
P/B ratio
1.31
Useful for book value support.
Dividend yield
1.4%
Current income signal.
85/100
Direction
Range-bound
Main supports
Business quality and balance-sheet strength are supporting the outlook.
Valuation still leaves room versus fair value and analyst anchors.
Recent price and fundamentals refreshes improve signal reliability.
What can go wrong
Execution risk and market swings can still delay the forecast playing out.
Fair value
₦358,410.00
Analyst view
Buy
Analyst target
₦387,409.11
Forecast refresh
Updated 12h ago
Quality score
73
Growth score
50
These are the external analyst numbers and business outlook figures already synced into the company record.
No external analyst outlook is available for this company yet.
₦900.00
2025-02-18
Payment: TBA | Qualification: 2025-02-18 | Yield at declaration: N/A
₦900.00
2024-11-14
Payment: TBA | Qualification: 2024-11-14 | Yield at declaration: N/A
A plain-English reading of momentum, trend, volatility, range position, and trading participation.
RSI
N/A
Momentum data is not available yet.
Recent trend
Sideways
-1.8% across the latest saved price window.
Volatility
Moderate
Beta is 1.02. Price sensitivity is broadly around the market range.
52-week position
48% of range
Price is sitting around the middle of its 52-week range.
Volume confirmation
N/A
Comparable volume data is not available.
debt_crisis
COF may also move because the FINANCIAL SERVICES sector may move with debt_crisis. Confidence 67%.
Etisalat Nigeria defaulted on a $1.2bn syndicated loan and underwent restructuring (later rebranded 9mobile), illustrating sector exposure to FX and debt stress.
regulation
COF may also move because the FINANCIAL SERVICES sector may move with regulation. Confidence 67%.
A court extended a restraining order against NAICOM and the receiver in the Universal Insurance case, indicating regulatory/legal impact on Universal Insurance.
turnover_dominance
COF may also move because the FINANCIAL SERVICES sector may benefit from turnover_dominance. Confidence 67%.
The Financial Services industry accounted for 67.84% of total equity turnover by volume for the week, indicating sector-wide strong activity.
Central bank policy / regulation
COF may also move because the FINANCIAL SERVICES sector may move with central bank policy / regulation. Confidence 63%.
CBN removal of restrictions on banks' access to the Standing Lending Facility directly pertains to banks and financial institutions.
FX liquidity and capital repatriation
COF may also move because the FINANCIAL SERVICES sector may move with fx liquidity and capital repatriation. Confidence 63%.
FTSE Russell's prior downgrade cited extreme FX illiquidity and repatriation delays; recent improvements in these areas underpin Nigeria's reclassification, which affects banks and financial-services firms' access to foreign capital.
cybersecurity
COF may also move because the FINANCIAL SERVICES sector may move with cybersecurity. Confidence 63%.
Article notes as financial services become more technology-driven, sound governance and cybersecurity remain essential to institutional resilience and customer protection.
cybersecurity_and_governance
COF may also move because the FINANCIAL SERVICES sector may move with cybersecurity_and_governance. Confidence 63%.
The article notes financial services are becoming more technology-driven and need sound governance, cybersecurity and risk management to ensure resilience and customer protection.
COF
Capital One Financial Corporation
Price: ₦322,410.00
P/E: 12.092511
Yield: 1.4%
AFL
Aflac Incorporated
Price: ₦172,770.00
P/E: 12.486515
Yield: 2.1%
AIG
American International Group, Inc.
Price: ₦112,020.00
P/E: 13.728103
Yield: 2.6%
AJG
Arthur J. Gallagher & Co.
Price: ₦377,175.00
P/E: 42.536427
Yield: 1.1%
Industry
Credit Services
Employees
78400
Exchange
NYQ
Ticker
COF
