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[@ScFidelis](/creator/twitter/ScFidelis)
"3 FY 2024 Highlights 📈 Revenue: 13.9bn (+55%) 💰 Operating Income: 26.1bn (+37%) 💸 OPEX: 12.4bn (+58%) 🧾 PBT: 13.8bn (+24%) 🟢 PAT: 11.9bn (+19%)"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1944685799573798945) 2025-07-14 09:09:59 UTC 9186 followers, 1318 engagements


"GTCO is on the cusp of history. Now trading at XX it's inching closer to the XXX mark for the first time ever. Big moment for one of Nigerias most valuable banking stocks. 👏📈"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1943618539257987115) 2025-07-11 10:29:05 UTC 9236 followers, 58.4K engagements


"1. FMDQ Explained 🧾 FG raises funds by issuing bonds via the DMO thats the primary market. Once issued these bonds are listed on FMDQ the secondary market"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1944833676295938266) 2025-07-14 18:57:36 UTC 9236 followers, 7906 engagements


"4 Take MMFs for example: You can start with as little as 10000. But many people dont know. So they leave money idle in savings accounts earning near-zero interest"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945188131436695825) 2025-07-15 18:26:05 UTC 9237 followers, 2982 engagements


"@Rufyb I hope his ego does not get further battered: GTCO is raising $105m in London this July has no forbearance loans to deal with like Zenith and growing its non-bank subsidiaries. Audited Half year results of both firms will soon be out"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1941898150949613721) 2025-07-06 16:32:52 UTC 9051 followers, 1182 engagements


"4 Investor Metrics 📍ROE: XX% 📍EPS: 239k (+18%) 📍DPS: XXXX 📍Payout Ratio: 74%"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1944685802904338759) 2025-07-14 09:10:00 UTC 9186 followers, 1060 engagements


"MTN Nigeria is now the 3rd largest listed company on the NGX with a market cap of XXXX trillion. Only BUA Foods (8.64t) and Airtel Africa (8.68t) are ahead. The telecoms giant continues to climb"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1935984196310516134) 2025-06-20 08:52:55 UTC 9177 followers, 20.2K engagements


"Would you buy International Breweries over Nigerian Breweries or Nestle Guess what - IB is now valued at XXX trillion more than NB (2.1 trillion) and Nestle (1.2 trillion). Wonderful"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1943221402989187490) 2025-07-10 08:11:00 UTC 9237 followers, 11.6K engagements


"Good question. All funds (mutual funds REITs etc) under the supervision of the SEC have standard fees attached to them. These fees go to the parties to the funds - fund manager custodian trustees"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945529199852245493) 2025-07-16 17:01:22 UTC 9237 followers, 2040 engagements


"If Nigerias credit system starts to really work Buy Now Pay Later (BNPL) will explode. Phones electronics cars appliances - record sales everywhere. People dont hate buying. They hate being broke. If credit flows demand will follow"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1937818131231371461) 2025-06-25 10:20:20 UTC 9223 followers, 67.3K engagements


"Chams Holding Plc: Rights Issue Incoming The company is offering 2.35bn new shares at XXXX each. 📌 Basis: X new share for every X held 📌 Qualification Date: June XX 2025 📌 Current Market Price: XXXX If youre a shareholder by that date you qualify"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1936786634521149516) 2025-06-22 14:01:32 UTC 9050 followers, 5868 engagements


"2 Go see the movie The Big Short. Its about the 2008/09 financial crisis. X You can also see The Wolf of Wall Street. Its about stock market in general. You'd love it"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945048696615231857) 2025-07-15 09:12:01 UTC 9236 followers, XXX engagements


"Mutual Funds Industry in Nigeria (a thread) X Market participation is low. Only XXX% of Nigerians are in mutual funds. Thats just X in every XXX people. Even the industry size is small - X trillion"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945188119512305792) 2025-07-15 18:26:02 UTC 9237 followers, 52.5K engagements


"@moyo54 For bonds its same problem. So many are better off with a bond (of fixed income) fund. Only Equity offers some respite since entry amount is low. But then again for those who lack knowedge/skill they need expert guidance to DIY equity investing. Overall it all depends"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945209748413882683) 2025-07-15 19:51:58 UTC 9183 followers, XXX engagements


"Why Im closely watching banks' outstanding shares This one metric will set the tone for future dividend payments and the value of your bank stocks on NGX. Lets break it down👇🏽:"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1936806763837198483) 2025-06-22 15:21:31 UTC 9228 followers, 31K engagements


"GTCO has officially listed on the London Stock Exchange (LSE) under the ticker GTHC. This follows the successful pricing of its equity offering on July X 2025"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1942965146025947398) 2025-07-09 15:12:44 UTC 9236 followers, 24.2K engagements


"Investing should be more like watching paint dry or watching grass grow. If you want excitement take $XXX and go to Las Vegas. Paul Samuelson"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945036143143145795) 2025-07-15 08:22:08 UTC 9236 followers, 2441 engagements


"BREAKING: OANDO posts FY 2024 results: 📍Revenue: X trillion 📍Profit After Tax: XXX billion 📍EPS: XX Despite the strong numbers no dividend was declared. Retained Earnings still negative at XXX billion"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1930199087229358469) 2025-06-04 09:44:58 UTC 9236 followers, 36.8K engagements


"NIDF an infra fund by Chapel Hill Denham is one of just X NGX-listed stocks that pay dividends quarterly (the other is SEPLAT). ✅ Q1 Dividend: XXXX ✅ Q2 Dividend: XXXX 📌 Current Price: XXX Among the best dividend yields on NGX"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1943227163462734304) 2025-07-10 08:33:53 UTC 9052 followers, 12.6K engagements


"There are also professionals to the fund - auditors rating agency registrar etc. Then SEC fees. All of these fees are covered by the fund. The expenses put together must not surpass XXX% of the fund size per SEC regulation"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945529202754666684) 2025-07-16 17:01:22 UTC 9237 followers, XXX engagements


"MTN Nigeria is now the 2nd most valuable stock on the NGX at 400/share. Market cap: XXX trillion Second only to Airtel Africa at XXXX trillion. The telecom giants are leading the pack. 📶📈"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945574335046959118) 2025-07-16 20:00:43 UTC 9237 followers, 11K engagements


"INTERNATIONAL BREWERIES PLC has XXXXX billion shares - the highest among quoted companies on NGX. To pay just X dividend it would need 168.3bn. Let that sink in"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1943930827223838818) 2025-07-12 07:10:00 UTC 9182 followers, 16.2K engagements


"Frequency of Dividend Payments on NGX: 📍Quarterly: Only SEPLAT 📍Twice a year: Most companies (interim & final) 📍Once a year: Some pay only at year-end 📍Occasionally: Special dividends - from retained earnings or exceptional profits Know the pattern. Plan the cashflow"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1915485897572700297) 2025-04-24 19:20:00 UTC 9052 followers, 7671 engagements


"In a Profit or Loss (P/L) statement there are X possibilities: ✅ Profit ❌ Loss ➖ Breakeven (no profit no loss) We see plenty of profits. We see lots of losses. But who has ever seen a published P/L that broke even 👀"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945027050584068330) 2025-07-15 07:46:00 UTC 9236 followers, 2813 engagements


"@Magician_lee Stanbic is a good Stock in its own right"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945521224156688397) 2025-07-16 16:29:40 UTC 9237 followers, 1174 engagements


"NGX Invest the digital platform simplifying access to public offers launched in 2024. Since then it has boosted primary market participation and facilitated over X trillion in capital raised key to the ongoing banking recapitalisation"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945550163268796620) 2025-07-16 18:24:40 UTC 9237 followers, 1847 engagements


"Thats over 106bn extra that banks need if they want to sustain a X per share dividend for example"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1936806770556453361) 2025-06-22 15:21:32 UTC 9050 followers, 2264 engagements


"Shoutout to you if you lived through: 📍The 2008/09 financial crisis 📍Local recessions 📍COVID-19 market crash 📍The 2023/24 currency devaluation Youve seen things. Youve learnt lessons others can only imagine"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945023778880131181) 2025-07-15 07:33:00 UTC 9237 followers, 6726 engagements


"Fun Fact: Nigeria has X major exchanges: 📈 NGX the main stock exchange 📊 NASD OTC market for unlisted public companies 💵 FMDQ for fixed income & currencies"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1944683170663665718) 2025-07-14 08:59:33 UTC 9237 followers, 22K engagements


"5 The Mutual Fund Industry must step up: 📍Massive awareness 📍Strong financial education 📍Clear relatable campaigns Theres a big opportunity to grow this market"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945188136083992621) 2025-07-15 18:26:06 UTC 9237 followers, 2894 engagements


"Banks need to make more money with their new capital levels. If not dividend per share will drop and share price may suffer"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1936806774645895512) 2025-06-22 15:21:33 UTC 9050 followers, 2163 engagements


"Dear SBO MTN says everywhere you go. Thats a promise. Whats yours What are you telling your customers and are you delivering on it daily Your product should feel like happiness delivered. Just like Zappos"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1940713125667656132) 2025-07-03 10:04:00 UTC 9233 followers, 1078 engagements


"1 Read this article from Proshare: Impact of the Global Financial Crisis on the Nigerian Economy"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945048693666619898) 2025-07-15 09:12:00 UTC 9236 followers, 1679 engagements


"Listed Stocks on NGX with Dual Listing: 📍AIRTEL NGX & LSE 📍SEPLAT NGX & LSE 📍GTCO NGX & LSE 📍OANDO NGX & JSE Dual listings improve visibility liquidity access to global capital and corporate governance standards"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1943944417087205732) 2025-07-12 08:04:00 UTC 9236 followers, 8167 engagements


"@franktochy Are you aware that GTCO & Stanbic are the only X in the sector without forebearance loans What is that if not fundamental How about measuring with dividend. How about ROE Net margins cost to income ratio Corporate Governance Who beats GTCO in all of that"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945723625450979397) 2025-07-17 05:53:56 UTC 9236 followers, XXX engagements


"Eagerly waiting for the half-year results of some listed companies on NGX. Lets see whos really delivering and whos just coasting"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1942488119762399525) 2025-07-08 07:37:12 UTC 9041 followers, 1105 engagements


"@moyo54 Not everyone can invest directly in those instruments. 50m for Tbills at primary market Fixed deposit with banks only pays meaning rates at bigger amouns. Most people can't CPs The same thing MMF is the alternative to all that"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945208925940277284) 2025-07-15 19:48:42 UTC 9237 followers, 2171 engagements


"Both banks are similar in size revenue and profit. But clearly the market is saying something. 📍GTCO Price: XXXX Valuation: XXXX trillion 📍Zenith Bank Price: XXXX Valuation: XXXX trillion Always pay attention to what the market is pricing in"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1941878303792513132) 2025-07-06 15:14:00 UTC 9187 followers, 40.8K engagements


"2 For context: 📊 NGX equity market: XX trillion 💼 Fixed income market: XX trillion 💰 Mutual funds: X trillion Theres massive room for growth"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945188122850996339) 2025-07-15 18:26:02 UTC 9237 followers, 3302 engagements


"@abu_omya For you to have breakeven in P/L Total revenue = total cost (expenses). Always very rare"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945064462756540504) 2025-07-15 10:14:40 UTC 9234 followers, XX engagements


"For those asking: FUGAZ = FirstHoldCo UBA GTCO Access Zenith SWEFF = Stanbic Wema ETI Fidelity FCMB FUGAZ = Tier X banks the industry leaders. SWEFF = Tier X banks the challengers in the sector. Thats the current structure of Nigerias banking hierarchy"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1928837174004154481) 2025-05-31 15:33:13 UTC 9237 followers, 73.2K engagements


"NGX Group is expanding its reach. With a stake in Ethiopian Securities Exchange (ESX) and talks on dual listings with Shanghai & Hong Kong Exchanges its pushing for regional and global capital market integration"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945547795248677137) 2025-07-16 18:15:15 UTC 9237 followers, 13K engagements


"@olumidecapital 3m will cover your CFA Level X cost plus some change for flexing. This is for option C people"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1944429335076577705) 2025-07-13 16:10:53 UTC 9235 followers, 9242 engagements


"For the price of a bottle of Coke you can own X units of GTCO - Nigerias top banking brand. No excuses. Start where you are"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1943619628791439573) 2025-07-11 10:33:24 UTC 9236 followers, 75.9K engagements


"@Rufyb XX% is very good compared to our recent past. But compared to other emerging markets (SAIndia) we still have room for growth. Progress all the same"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945028903988310338) 2025-07-15 07:53:22 UTC 9223 followers, XXX engagements


"GTCO welcomes you all to the new world of price discovery. Ladies & Gentlement GTCO @ XXX. History made and affirmed"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1945433060905738343) 2025-07-16 10:39:20 UTC 9237 followers, 84.5K engagements


"Banks are still raising capital. But as things stand: It takes ACCESS 53.3bn to pay X dividend. That same amount lets Stanbic IBTC pay XXXX. Recapitalisation ends March 2026 but the power of a lower share count is already clear"  
![@ScFidelis Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::213326073.png) [@ScFidelis](/creator/x/ScFidelis) on [X](/post/tweet/1943314612507554146) 2025-07-10 14:21:23 UTC 9052 followers, 15.6K engagements