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@Rufyb "Management said there were limited opportunities. At the same time they were exiting some lines Sunlight Omo Lipton though some of those choices came from the parent company"
X Link @Rufyb 2025-10-06T01:50Z 22.2K followers, XXX engagements

"In January 2025 I believed the coy was already fairly priced. Lol it went to do +90% after then"
X Link @Rufyb 2025-10-06T01:50Z 22.2K followers, XXX engagements

"Financial risk refers to the chance that you may fail to fulfill these obligations on time. This is why investment banks advise companies on finding an optimal capital structure tailored to their industry current balance sheet business model and growth objectives"
X Link @Rufyb 2025-02-25T14:52Z 22.2K followers, XXX engagements

"Fidelity Bank there is no way anyone will take you seriously if every bank has released their Q2 numbers and you lads haven't released yours. It's October already what's going on faa"
X Link @Rufyb 2025-10-06T13:24Z 22.2K followers, 13.8K engagements

"REITs have generally delivered poor returns. SFS REIT has been doing quite well recently though"
X Link @Rufyb 2025-10-09T11:37Z 22.2K followers, 7899 engagements

"Another REIT is coming to the market but it is going to be a close-ended fund"
X Link @Rufyb 2025-10-09T11:14Z 22.2K followers, 5142 engagements

"If I plug the multiple Id arrive at a 360bn enterprise value. If I adjust for net debt Id close out at 450bn equity value (Unilevers cash position is super strong about XX% of revenues and nearly XX% of net assets)"
X Link @Rufyb 2025-10-06T01:50Z 22.2K followers, XXX engagements

"Moniepoint has taken over nearly all B2B payments bruhh. They have practically cornered all the payments done by small businesses. The distribution is really insane"
X Link @Rufyb 2025-05-16T13:51Z 22.2K followers, 56.2K engagements

"Should Unilever deploy that cash to invest the revenue (and earnings) growth story may be significantly different. I suppose the market considerably adds a premium on Unilever for that possibility"
X Link @Rufyb 2025-10-06T01:50Z 22.2K followers, XXX engagements

"Many managers at other funds come from investment banking with an energy tilt. That is not the same as having the core knowledge of infrastructure financing"
X Link @Rufyb 2025-10-15T08:47Z 22.2K followers, XXX engagements

"Q4 Trend of the NGX This is how the market typically performs in every fourth quarter of the year since 2011. In the past five years the market has consistently delivered a green return averaging +5%. This year should not be different. So far in Q4 the market is up +4%"
X Link @Rufyb 2025-10-13T17:48Z 22.2K followers, 5420 engagements

"Simple businesses are better: People keep drinking milo coffee even in a weak economy (re: Nestl Cadbury etc.) People need to live under a roof (Dancem Lafarge BUA Cem) and most of them need to look nice (CAP Berger) Items need to be packaged many times in a glass container (Beta Glass) That tiktok rave social media influencing Instagram entrepreneur. you need data (MTNN)"
X Link @Rufyb 2025-10-02T11:33Z 22.2K followers, 40.4K engagements

"Interesting development. This is gonna be a potentially big deal if it flies through. Right now we do 21bn (about $14mm) worth of trades daily. Foreign investors make up XX% of that which is around $3mm. In the past foreign investors used to do $6mm daily. They pulled out of Nigeria because bad policies destroyed value and wealth for almost every investor. If we can return to that $6mm level it means an extra 5bn in daily trades. We may also see more local investors come in because some of them only play actively when foreigners are around. For them if foreigners are not in there are very few"
X Link @Rufyb 2025-10-08T11:32Z 22.2K followers, 31.5K engagements

"I no go talk anything but I will drop this (except they misquoted you). By the way we both know that points X and X are 'faabu' but no worries. Fingers crossed"
X Link @Rufyb 2025-10-14T13:43Z 22.2K followers, 44.9K engagements

"It may be a case of comparing compensation structures in commercial banking with investment banking or with private equity"
X Link @Rufyb 2025-10-02T07:30Z 22.2K followers, 6363 engagements

"Frankly the macro picture at the time did not justify any large-scale investment by any corporate (case in point: Procter & Gamble learnt the hard way. They had to shut down their $300mm Agbara manufacturing plant investment just after a year or two)"
X Link @Rufyb 2025-10-06T01:50Z 22.2K followers, XXX engagements

"Unilever is actually a difficult one for me to value tbh. In January 2024 when the stock traded for XX per share I estimated that it was going to double. By January 2025 the stock price had risen to XX per share doubled as expected"
X Link @Rufyb 2025-10-06T01:50Z 22.2K followers, 11.1K engagements

"That means only XXX trillion of Fund IIs assets should remain in FGN securities. By implication PFAs may need to offload about XXX billion and reallocate elsewhere"
X Link @Rufyb 2025-10-13T21:56Z 22.2K followers, XXX 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 @Rufyb 2025-09-23T15:55Z 22.2K followers, 4571 engagements

"If that happens we should start seeing some fresh inflows into the market in Q4 2025 which could further strengthen the current positive momentum"
X Link @Rufyb 2025-10-13T21:56Z 22.2K followers, XXX engagements

"I was telling someone the other day: Cement price in 2020: 2500 per 50kg Cement price in 2025: 10000 per 50kg Growth: 4x FX rate in 2020 (parallel market): 400/500 FX rate in 2025: 1500 Growth: 3x/4x The product is made in Nigeria"
X Link @Rufyb 2025-09-22T14:45Z 22.2K followers, 54.4K engagements

"You only need to understand how macroeconomic variables (such as GDP inflation interest rate exchange rate etc.) work and how their movement affect the financial markets. That's what you need and you'd make a killing with the moves and decisions you make. 💯🎯"
X Link @Rufyb 2025-10-13T17:22Z 22.2K followers, 9488 engagements

"Lately I have noticed the fuel queues which is when I started paying attention to this development. I have heard a lot of complaints about how Dangote Refinery treats its staff. When you look at salaries though you have to consider that the financial basis of an extractive oil and gas company is different from a refinery. The revenue per employee capex and opex structure aren't the same. This means comparing them might not be fair. However a valid point of comparison could be what the company pays its Nigerian employees versus what it pays its foreign employees or how Dangote Refinery's"
X Link @Rufyb 2025-10-02T07:26Z 22.2K followers, 43.4K engagements

"There is rarely any role in a bank that is better than any Big Four in the long run in terms of career progression. Except for specific technical roles (e.g. someone has passion for treasury credit analysis or corporate banking). Banks salivate folks from Big Four to fill Managers and Senior Managers roles. An individual that started in a Big Four can get those roles in a bank in less than ten years. If you started in a bank it will take 'forever'"
X Link @Rufyb 2025-10-05T08:39Z 22.2K followers, XXX engagements

"We go seriously need capital for this market. Serious capital"
X Link @Rufyb 2025-10-05T21:47Z 22.2K followers, 16.8K engagements

"I didnt answer your question directly. To put it specifically I dont know or I can not say if Unilever is overvalued or undervalued). Id rather consider a Nestl Nascon or even maybe Dangote Sugar first"
X Link @Rufyb 2025-10-06T01:51Z 22.2K followers, 1428 engagements

"In the past market folks wondered why Unilever had tons of cash on its books without deploying it. They did not invest they did not grant credit sales they did not pay 'strong' dividends"
X Link @Rufyb 2025-10-06T01:50Z 22.2K followers, XXX engagements

"The market may be pricing in all these things that may seem like a positive development. It may see some strong future growth but I am generally conservative. Id rather look for clear most-likely winners at a lot more attractive price. Call it margin-of-safety"
X Link @Rufyb 2025-10-06T01:51Z 22.2K followers, XXX engagements

"Based on my estimates I expect Unilever to deliver 45bn EBITDA in 2025. What EV/EBITDA multiple can we consider fair Let us say a range of 6x 10x (say we want to be very generous). In that case why not let us call it 8x"
X Link @Rufyb 2025-10-06T01:50Z 22.2K followers, XXX engagements

"Talent and know-how Infrastructure financing is a specialised field. You need people who understand financing structure credit risk core contracts project finance basics process and risk sharing. The NIDF team is very strong on this"
X Link @Rufyb 2025-10-15T08:47Z 22.2K followers, XXX engagements

"I don't know how this was arrived at. But the global average is $XXX per ton. Cement prices are 10k per 50kg bag. There are XX bags in X ton. This equates to 200k per ton. If you plug that in USD terms (using 1500 FX rate) it gives you $XXX per ton about XX% lower than the global average. However please note that this trend has occurred recently due to the high FX rates used in the conversion. Also a more indicative way of looking at it is to compare Dangote Cement margins versus the average margins of the global average. A simple check between Dangote Cement Nigeria margins versus Dangote"
X Link @Rufyb 2025-09-18T10:57Z 22.2K followers, 3310 engagements

"The other day at Civic Centre. where I took the role of a part-time comedian🌝🌝🌝🌝"
X Link @Rufyb 2025-10-03T21:04Z 22.2K followers, 8332 engagements

"I was in some really good mood late last night so I decided to look into my spreadsheet for potential openings. I was able to see a few things. Please note I'm simply freestyling here. Whatever you choose to do with this information is entirely your responsibility. I have an existing (significant) stake in the majority of these names. Always do your own due diligence. Again I'm just freestyling. Mo ke to o"
X Link @Rufyb 2025-09-30T11:09Z 22.2K followers, 22.6K engagements

"Are we likely to see a $1trn IPO for the first time"
X Link @Rufyb 2025-10-02T10:32Z 22.2K followers, 3693 engagements