Score |
43
Temitope Ajayi
Investor, AI Branding @ Lagos
Investor, AI Branding @ Lagos
Access Holdings: What I discovered from analysing
<p>I've been spending some time analysing Access Holdings Plc, and some of the things I discovered made me want to pay closer attention to the business.</p><p><br/></p><p>Between 2020 and 2025, its total assets grew from approximately ₦8.68 trillion to ₦51.27 trillion. Its gross earnings also increased year after year within the period I examined.</p><p><br/></p><p>But here's where things get interesting.</p><p><br/></p><p>Growth is one thing. Sustainable profitability, credit quality and shareholder value are another.</p><p><br/></p><p>My research also revealed some areas that deserve caution, particularly the significant credit impairment charges recorded in 2025 and the decline in profitability.</p><p><br/></p><p>So, is Access Holdings an interesting business to follow?</p><p><br/></p><p>I think it is worth examining more closely.</p><p><br/></p><p>I'm particularly interested in how the company manages its next phase of growth, improves its financial performance and creates value for shareholders.</p><p><br/></p><p>Personally, I'll be keeping an eye on this business over the next three years.</p><p><br/></p><p>I believe investors should spend more time understanding businesses, studying their financial statements and following their performance rather than simply chasing popular stocks.</p><p><br/></p><p>What do you look at first when analysing a banking stock: profitability, asset quality, valuation or business growth?</p><p><br/></p>
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