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@Rufyb Avatar @Rufyb Rufybaba

Rufybaba posts on X about bank, investment, business, money the most. They currently have XXXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.

Engagements: XXXXX #

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Mentions: XX #

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Followers: XXXXXX #

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Social Influence

Social category influence finance XXXXX% stocks XXXX% technology brands XXXX% countries XXXX% currencies XXXX% travel destinations XXXX% exchanges XXXX%

Social topic influence bank 11.32%, investment 11.32%, business 5.66%, money 5.66%, cash flow #347, flow 3.77%, nigeria 3.77%, debt #1726, liquidity #3458, finance XXXX%

Top accounts mentioned or mentioned by @omoamilor @taxdoctorng @wealthy_kaykay @_spaceboy999 @alikodangote @loynox @philoffinance @sunolix @chibuzomikel @taiwoyedele @businessdayng @abdullahisaraf @iceugwa @obesidone @_ridwansalami @folucomms @yaasirboi @ngxinvestor @iam_noahjoseph @sholajapheth

Top assets mentioned Unilever plc (UL) DLocal Limited Class A Common Shares (DLO)

Top Social Posts

Top posts by engagements in the last XX hours

"Fidelity Bank PLC finally released its Q2 numbers after many weeks. The performance was rather unimpressive. Net interest income increased by just X% despite a XX% y/y interest income. What happened there was a steep increase in finance costs. Operating income declined by XX% in Q2 2025 largely due to a decline in non-interest income as FX and fair value gains disappeared. Meanwhile operating costs rose by 46%. By extension profit before tax was down by XX% y/y while profit after tax was down by XX% y/y. But that was not even what caught my interest"
X Link 2025-11-18T21:46Z 23.3K followers, 7155 engagements

"The bank reported negative retained earnings. Retained earnings are made up of all the profits a coy has ever earned which it has chosen to keep and reinvest back into the business. Companies also pay dividends from retained earnings"
X Link 2025-11-18T21:46Z 23.3K followers, 1027 engagements

"Netflix already caught up with Warners Bros. Warner Bros: Revenue: $40bn Profit after tax: loss-making Operating cash flow: $5bn Total assets: $100bn Market value: $64bn Netflix Revenue: $40bn Profit after tax: $10bn Operating cash flow: $8bn Total assets: $59bn Market value: $426bn But yeah I get the "historical legacy" part"
X Link 2025-12-05T22:57Z 23.3K followers, 94.3K engagements

"It's amazing how PES (Pro Evolution Soccer) just died like that. And it started from that shit graphics from PES XX (2014). Gameplay issues lesser marketing (FIFA materially trumped them) and lack of official licenses were some of the reasons for their demise"
X Link 2025-11-05T21:46Z 23.3K followers, 5895 engagements

"I get the common (unfair) jabs on 'consultants' but a very quick one. Laxman left McKinsey in 2012 and was PepsiCo's Chief Commercial Officer for seven (7) years. He was later appointed as Reckitt Benckiser's CEO in 2019 where he implemented a turnaround. He was there for three years before Starbucks came calling. Therefore he was already 'in the game' and he was relatively good before Starbucks knocked on his door (not that he was drawn directly from McKinsey) Folks can argue that Laxman flopped but the situation is more nuanced. Starbucks was already experiencing issues. He came on board in"
X Link 2025-11-16T17:42Z 23.3K followers, 12.5K engagements

"Some of their successful deals include: ☞ Vivo Energy: Shell wanted to exit downstream retail in Africa. Helios (with Vitol) bought the licensee rights creating Vivo Energy. They expanded the network improved margins and successfully listed it on the London Stock Exchange. ☞ Helios Towers: They anticipated the tower sale-and-leaseback trend early and built/acquired thousands of telecom towers across Africa. ☞ Fawry: Helios invested in Egypts largest e-payments platform and achieved a unicorn exit. ☞ Axxela: The parent company Oando PLC was facing significant debt and governance crises. Helios"
X Link 2025-12-09T18:12Z 23.3K followers, XXX engagements

"Some of the deals they failed/struggled ☞ Atlas Mara: This was a banking platform co-founded by Bob Diamond intended to consolidate African banks. In Nigeria they acquired a significant stake in Union Bank. However the thesis collapsed. Currency devaluation bad loans and execution issues decimated share price. ☞ Telkom Kenya: Helios bought a majority stake in Telkom Kenya (carved out from Orange). But they struggled to compete against the dominant player Safaricom (M-Pesa). ☞ Eland Oil & Gas: Helios invested in the upstream company. Although Seplat later acquired Eland (providing an exit) the"
X Link 2025-12-09T18:12Z 23.3K followers, XXX engagements

"Access Bank in 2010: Gross earnings: 91bn PAT: 11bn Total assets: 800bn Net assets: 175bn Otedola's obligation to Access: 25bn Single obligor ratio to Otedola: XX% GTB in 2010 Gross earnings: 154bn PAT: 38bn Total assets: 1.2trn Net assets: 211bn Otedola's obligation to GTB: 38bn Single obligor ratio to Otedola: XX% Although the single obligor limit was within the regulatory threshold (20%) those were crazy exposures. Proud of Wigwe for requesting that his money was back into the vault 👍👍👍"
X Link 2025-08-22T07:07Z 23.3K followers, 31.4K engagements

"One of the examples of how PE investments can be complex. This example of a management buyout is structured such that a PE fund and the target firms management team invest equity in a newly created Topco acquisition vehicle. Topco with cash then lends the money to Midco. Midco with the loan money from Topco tops up its debt by borrowing another loan (which can be shareholder debt from the PE fund or junior debt from an external financier). After raising these two debts (i.e. from the Topco and additional debt from other sources) Midco lends the money to Bidco. Bidco takes the debt from Midco"
X Link 2025-09-23T15:55Z 23.3K followers, 4643 engagements

"Airtel Q2 2025/2026 Results Strong growth numbers. The telco lads are so sorted. Big big money across board. Looks like an 800bn forward profit. If I plug some 15x P/E on it (given growth trends margins cash flow generation and financial risk) that's some 12trn market value or 3200 value per share. But will poor stock liquidity let us get there PS: Airtel reports in USD but I did my own conversion using average FX rates in the reporting period"
X Link 2025-10-28T12:21Z 23.3K followers, 6821 engagements

"Except for maybe Evercare Reddington and a very few others it is very difficult to point at private hospitals who have more than 100-bed capacity. What we see is a plethora of small privately owned hospitals. How then do you convince investors to put money in this sector Also without scale how can doctors and other medical professionals ever get paid well To be clear healthcare is essential (because the demand is inelastic) however the business in Nigeria suffers from a "missing middle". There are two extreme ends"
X Link 2025-11-28T08:13Z 23.3K followers, 59K engagements

"Hmmm I see. This might be the attraction to move from UL to Cadbury"
X Link 2025-11-29T14:40Z 23.3K followers, 11.4K engagements

"As part of the efforts to optimise its capital structure UACN is in the market to raise funds to partially replace its FCY debt. Given how FX volatility has dealt with businesses in recent years it makes sense to match Naira earnings with Naira obligations. The Group is planning to raise 150bn but will only 'draw' 75bn for now. Only institutionals and HNIs are eligible. The bond's tenor is X years but it is callable. This means that UACN has the option to redeem (i.e. fully repay) the debt before maturity. Ideally borrowers often include this clause when they expect interest rates to decline"
X Link 2025-12-04T16:28Z 23.3K followers, 5957 engagements

"Speaking of "oil blocs" a quick throwback on how we nearly didn't have the oil company called Seplat today. Between 2012 to 2024 Seplat had paid a cumulative $400mm in taxes. In the past three years alone they paid $195mm (or 250bn). Story here:"
X Link 2025-12-08T20:28Z 23.3K followers, 39.2K engagements

"Oh wow wow Just seeing this and it shocks me You can not talk about the development of the Nigerian financial market (particularly the fixed-income market) and not acknowledge the contributions of individual like Sam Ocheho. X years in FCMB another XX years in Stanbic IBTC - where I thought man would probably end his career there. However UBA is big big big (far bigger than Stanbic although may not be doing diverse and broad range of deals that Stanbic does). PS: Lowkey I had thought that Sam Ocheho might be considered for the Group CEO at FMDQ Group. Congratulations gargantuan"
X Link 2025-12-09T07:23Z 23.3K followers, 12.1K engagements

"Helios Investment Partners is reported to hold over $3.6bn in assets under management. It was founded by Tope Lawani and Babatunde Soyoye in 2004. Their focus is majorly in Africa and they tend to hold controlling or significant minority positions in companies across telecoms financial services energy and infrastructure FMCG logistics and agro-allied. They have raised multiple funds"
X Link 2025-12-09T18:12Z 23.3K followers, 1004 engagements

"Appendix 1: Beta Glass financials"
X Link 2025-12-09T18:12Z 23.3K followers, 1015 engagements

"Appendix 2: Beta Glass financials in USD"
X Link 2025-12-09T18:12Z 23.3K followers, XXX engagements

"NAHCO is interesting because of recent growth trends. But I would look elsewhere for now unless I see higher-than-expected growth numbers. I positioned it when it was 107bn. I don't think I want to buy at the current market value of 156bn. The valuation appears rich (although it's been super fantastic) but after factoring growth expectations I am not sure I am ecstatic about it at current prices"
X Link 2025-06-11T11:08Z 23.3K followers, 8830 engagements

"Get a job in the financial services sector (maybe an asset management firm or an investment bank) as a chartered accountant (an ACA). It could be a tier-2 or tier-3 name but make sure they have a policy of reimbursing exam fees. Using ACA you only need to write one level of the CIS exam (ACS). Take a staff loan write it smash it get refunded by your employer repay the loan. Get a loan again to write CFA Level X (whether full payment or scholarship). Pass. Get refunded by your employer. Rinse and repeat till you smash the three levels. In about three to four years (an election cycle) you will"
X Link 2025-11-27T18:18Z 23.3K followers, 100.4K engagements

"This cartoon was created in 1952 and it describes stock investing so well. Quick add: the description of investment banking here is when it takes on the role of an "underwriter". The value-add to clients is immediate liquidity and the "sweetness" is if the bank successfully sell the shares to investors at a higher price. In reality most investment banks just act as brokers. That is they just connect the company with investors. This is because underwriting deals means that the bank must have robust capital and liquidity plus they are taking on the potential risk that the shares sale might"
X Link 2025-12-04T22:30Z 23.3K followers, 7525 engagements

"The news has been lowkey for a while but its now official. The majority shareholder of Beta Glass PLC Frigoglass is selling its entire stake in the business to one of Africa's largest private equity funds Helios Investment Partners (one of their funds)"
X Link 2025-12-09T18:12Z 23.3K followers, 9646 engagements

"$100mm revenue $18mm profit after tax. If I still stick to the Unicorn valuation it looks like a 55x P/E. Meanwhile: dLocal valuation: 24x Visa's and Mastercard's within 33x - 35x Revenue size of "peers" Interswitch (Nigeria): $100mm Paypal (U.S.): $29bn Stripe (U.S.): $16bn StoneCo (Brazil): $2.4bn dLocal (Uruguay): $746mm Network International (UAE): $490mm Fawry (Egypt): $122mm eTranzact: $22mm"
X Link 2025-12-10T08:16Z 23.3K followers, 12.6K engagements

"Had both then Gemini won subsequently. Stuck with it until Gemini behaved like Gemini at some point and I had to renew chatGPT"
X Link 2025-12-11T19:47Z 23.3K followers, 10.7K engagements

"@sunolix @chibuzo_mikel @TaxDoctorNG @taiwoyedele @BusinessDayNg You know chief if there is no way to intelligently contribute it isn't compulsory to comment yeah"
X Link 2025-12-12T12:34Z 23.3K followers, XX engagements