Guaranty Trust Holding Company PLC (GTCO)

Currency in NGN
129.85
+1.85(+1.45%)
Closed·
Earnings results expected today
High dividend Yield
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Fair Value
Day's Range
129.00130.00
52 wk Range
61.10136.50
Key Statistics
Bid/Ask
128.90 / 130.30
Prev. Close
128
Open
128
Day's Range
129-130
52 wk Range
61.1-136.5
Volume
22.76M
Average Volume (3m)
32.1M
1-Year Change
103.1746%
Fair Value
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Fair Value Upside
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GTCO Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
116.17
Downside
-10.54%
Members' Sentiments
Bearish
Bullish
ProTips
Trading at a low earnings multiple
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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Sell
Technical Indicators
Strong Sell
Moving Averages
Sell

Guaranty Trust Holding Company Plc operates as a financial holding company for Guaranty Trust Bank Limited that provides commercial banking services in Nigeria, Ghana, Gambia, Sierra Leone, Liberia, Cote D'Ivoire, Kenya, Uganda, Rwanda, Tanzania, and the United Kingdom. It operates through six segments: Corporate Banking, Commercial Banking, Business Banking, Retail Banking, SME Banking, and Public Sector. The company offers current accounts, savings deposits, and investment savings products; overdrafts, loans, and other credit facilities; and foreign currency and derivative products. It also provides private banking and custody services, credit and debit cards, and consumer loans and mortgages. The company serves corporate customers and blue chips; mid-size and fledgling corporate customers; mid-size commercial customers; small and medium-size enterprises and ventures; and government ministries, departments, and agencies. Guaranty Trust Holding Company Plc was founded in 1990 and is headquartered in Lagos, Nigeria.

Sector
Financial
Employees
6122
Market
Nigeria

Guaranty Trust Holding Company PLC Earnings Call Summary for H2/2025

  • GTCO reported FY 2025 revenue of $545.95B with EPS of $4.78; stock surged 8.3% to $122 in pre-market trading on strong results
  • Post-tax ROE reached 28% with 40% pre-tax ROE; capital adequacy ratio stands at 43% with net interest margin of 12.3%
  • Company projects 40% deposit growth in 2026 via POS strategy expansion, though net interest margin expected to decline to 11%
  • GTWorld digital platform now serves 3.1M active users; dividend payout ratio maintained at 54% reflecting strong capital efficiency
  • Elevated tax rates from regulatory changes on treasury bills pose challenge; competitive pressures in corporate lending may impact loan growth
Last Updated: 28/04/2026, 11:16
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Compare GTCO to Peers and Sector

Metrics to compare
GTCO
Peers
Sector
Relationship
P/E Ratio
5.5x10.9x10.0x
PEG Ratio
−0.190.070.03
Price/Book
1.4x1.6x1.0x
Price / LTM Sales
2.7x2.2x2.9x
Upside (Analyst Target)
−8.3%16.8%14.7%
Fair Value Upside
Unlock−11.0%2.0%Unlock

Analyst Ratings

3 Buy
3 Hold
0 Sell
Ratings:
6 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 116.17
(-10.54% Downside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 25.43%
Dividend Yield
9.54%
Industry Median 6.75%
Annualised payout
12.76
Paid unevenly
5-Years Growth
+33.58%
Growth Streak

Earnings

Latest Release
01/04/2026
EPS / Forecast
4.78 / --
Revenue / Forecast
545.95B / --
EPS Revisions
Last 90 days

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FAQ

What Is the Guaranty Trust Holding (Lagos: GTCO) Share Price Today?

The Guaranty Trust Holding stock price today is 129.85 NGN.

What Stock Exchange Does Guaranty Trust Holding (GTCO) Trade On?

Guaranty Trust Holding is listed and trades on the Lagos.

What Is the Ticker (Stock Symbol) for Guaranty Trust Holding?

The stock symbol (also called a 'ticker') for Guaranty Trust Holding is "GTCO."

Does Guaranty Trust Holding Pay Dividends? What’s The Current GTCO Dividend Yield?

Yes, GTCO Pays Dividends to its Shareholders. The current Guaranty Trust Holding dividend yield is 9.54%.

What Is the Current Guaranty Trust Holding Market Capitalisation?

As of today, Guaranty Trust Holding (Lagos: GTCO) market cap is 4.74T NGN.

What Is Guaranty Trust Holding's (GTCO) Earnings Per Share (TTM)?

The Guaranty Trust Holding EPS is currently 25.43 (Trailing Twelve Months).

When Is the Next Guaranty Trust Holding Earnings Date?

Guaranty Trust Holding's next earnings report will be released on 29/04/2026.

Is GTCO a Buy or Sell From a Technical Analyst Perspective?

Based on today's Guaranty Trust Holding moving averages and other technical indicators, the daily buy/sell signal for GTCO stock is Strong Buy.

How Many Times Has Guaranty Trust Holding Stock Split?

Guaranty Trust Holding has split 10 times. (See the GTCO stock split history page for full effective split date and price information.)

How Many Employees Does Guaranty Trust Holding Have?

Guaranty Trust Holding has 6122 employees, based on their latest Companies House report.

What is the current trading status of Guaranty Trust Holding (Lagos: GTCO)?

As of 29/04/2026, Guaranty Trust Holding (GTCO) is trading at a share price of 129.85 NGN, with a previous close of 128.00 NGN. The stock has fluctuated within a day range of 129.00 NGN to 130.00 NGN, while its 52-week range spans from 61.10 NGN to 136.50 NGN.

What Is Guaranty Trust Holding (GTCO) Price Target According to Analysts?

The average 12-month price target for Guaranty Trust Holding is 116.17 NGN, with a high estimate of 145 NGN and a low estimate of 86.39 NGN. 3 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an -10.54% Downside potential.

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