Guaranty Trust Holding Co PLC is a multinational financial institution that provides individuals, businesses, private and public institutions across Africa and the United Kingdom with a broad range of market key financial products and services. The company has six reportable segments as follows are Corporate banking which Incorporates current accounts, deposits, overdrafts, loans and other credit facilities, Commercial banking which Incorporates current accounts, deposits, overdrafts, loans and other credit facilities, Business banking Which Incorporates current accounts, deposits, overdrafts, loans and other credit facilities, Retail banking which Incorporates private banking services, private customer current accounts, savings deposits, SME banking and Public sector.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	12.27
Equity-to-Asset	0.15
Debt-to-Equity	0.15
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-0.35	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	39.8
	3-Year EPS without NRI Growth Rate	42.5
	3-Year FCF Growth Rate	30
	3-Year Book Growth Rate	35.8
	Future 3-5Y EPS without NRI Growth Rate Estimate	57.25
	Future 3-5Y Total Revenue Growth Rate Estimate	56.89

Momentum Rank

1/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	71.11
	9-Day RSI	62.02
	14-Day RSI	56.51
	6-1 Month Momentum %	-44.95
	12-1 Month Momentum %	-36.84

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	7.36
	Dividend Payout Ratio	0.01
	Forward Dividend Yield %	7.36
	5-Year Yield-on-Cost %	7.36
	3-Year Average Share Buyback Ratio	10.2
	Shareholder Yield %	4.61

Profitability Rank

2/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	69.1
	FCF Margin %	133.08
	ROE %	80.64
	ROA %	11.8
	Years of Profitability over Past 10-Year	3

GF Value Rank

2/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	1.41
	Forward PE Ratio	1.96
	PE Ratio without NRI	1.38
	PS Ratio	0.97
	PB Ratio	0.59
	Price-to-Tangible-Book	0.6
	Price-to-Free-Cash-Flow	0.73
	Price-to-Operating-Cash-Flow	0.71
	EV-to-Revenue	-1.45
	EV-to-FCF	-1.08
	Price-to-Graham-Number	0.21
	FCF Yield %	188.16

GF Value: €2.5

FRA:9JO

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