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Financial Services · Credit Services · Price, fundamentals, signals, and forward-looking context in one research view.
Financial Services
₦1016T
74.0%
30.77
Current price
₦544,230.00
0.0% todayUpdated 8 min ago
Open
₦541,470.00
Previous close
₦544,230.00
Day range
₦539,955.00 – ₦546,825.00
Volume
N/A
30.8x P/E
Awaiting filing
74.0% yield
65/100 measured
Easy to trade
V has a positive bias over 30 days and strong upside over one year.
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Expected move
+0.57%
Expected price
₦547,335.00
Lower path
₦525,630.00
Upper path
₦569,040.00
Confidence
Whisone is bullish because fundamentals are solid at 73/100 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
₦8.44T
TTM (2026-06-30)
ROE
61.2%
Return on equity
ROA
19.1%
Return on assets
Debt / equity
0.68
Lower is usually safer.
P/B ratio
19.23
Useful for book value support.
Dividend yield
74.0%
Current income signal.
84/100
Direction
Range-bound
Main supports
Business quality and balance-sheet strength are supporting the outlook.
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
₦584,265.00
Analyst view
Strong Buy
Analyst target
₦624,300.39
Forecast refresh
Updated 52 min ago
Quality score
72
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.
₦885.00
2025-02-11
Payment: TBA | Qualification: 2025-02-11 | Yield at declaration: N/A
₦885.00
2024-11-12
Payment: TBA | Qualification: 2024-11-12 | 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
+1.9% across the latest saved price window.
Volatility
Low
Beta is 0.76. Price has historically moved more calmly than the wider market.
52-week position
86% of range
Price is trading close to its 52-week high.
Volume confirmation
N/A
Comparable volume data is not available.
CBN data localisation directive
V may also move because the FINANCIAL SERVICES sector may move with cbn data localisation directive. Confidence 67%.
The directive targets banks, fintechs, mobile money operators and other payment service providers, creating sector-wide requirements for local data hosting, oversight and beneficial-ownership disclosures.
CBN proposed holdco framework
V may also move because the FINANCIAL SERVICES sector may move with cbn proposed holdco framework. Confidence 67%.
The proposed CBN holdco framework would change how foreign subsidiaries of Nigerian banks are structured, impacting financial groups listed.
NIIRA_recapitalisation
V may also move because the FINANCIAL SERVICES sector may move with niira_recapitalisation. Confidence 67%.
The NIIRA 2025 law raised minimum capital requirements and introduced an RBC framework, forcing insurance and reinsurance firms to recapitalise by July 31, 2026.
NTA CFC rules & 15% top-up tax
V may also move because the FINANCIAL SERVICES sector may move with nta cfc rules & 15% top-up tax. Confidence 67%.
Article states banks and financial groups with regional operations are expected to be affected by the CFC regime and top-up tax.
Open Banking implementation
V may also move because the FINANCIAL SERVICES sector may move with open banking implementation. Confidence 67%.
Article states Open Banking is expected to reshape how banks, fintechs and other financial service providers share data and deliver products, requiring regulatory and governance readiness.
PenCom recapitalisation rules
V may also move because the FINANCIAL SERVICES sector may move with pencom recapitalisation rules. Confidence 67%.
PenCom's revised minimum capital requirements and June 2027 compliance deadline are prompting industry-wide mergers, recapitalisations or exits among pension fund administrators.
capital_requirement_increase
V may also move because the FINANCIAL SERVICES sector may move with capital_requirement_increase. Confidence 67%.
Kenya's plan to raise minimum bank capital from 1bn to 10bn shillings by 2032 is expected to spur consolidation across the banking sector.
V
Visa Inc.
Price: ₦544,230.00
P/E: 30.773537
Yield: 74.0%
AFL
Aflac Incorporated
Price: ₦181,605.00
P/E: 13.06041
Yield: 2.0%
AIG
American International Group, Inc.
Price: ₦115,965.00
P/E: 14.107664
Yield: 2.6%
AJG
Arthur J. Gallagher & Co.
Price: ₦380,265.00
P/E: 42.04146
Yield: 1.1%
Industry
Credit Services
Employees
34100
Exchange
NYQ
Ticker
V
