Fidelity Bank (NSA:FBP) Net Loan: ₦4,654,371 Mil (As of Mar. 2026)

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NSA:FBP Fidelity Bank PLC NSA:FBP
69 GF Score
Price ₦21.85
GF Value ₦14.31
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Fidelity Bank Net Loan?

Fidelity Bank NSA:FBP +2.82% 69 Net Loan is ₦4,654,371 Mil as of Mar. 2026. GuruFocus rates NSA:FBP with a GF Score™ of 69/100 and a GF Value™ of ₦14.31 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Fidelity Bank's quarterly net loan declined from Sep. 2025 (₦4,842,745 Mil) to Dec. 2025 (₦4,278,173 Mil) but then increased from Dec. 2025 (₦4,278,173 Mil) to Mar. 2026 (₦4,654,371 Mil).

Fidelity Bank's annual net loan increased from Dec. 2023 (₦3,083,013 Mil) to Dec. 2024 (₦4,278,173 Mil) but then declined from Dec. 2024 (₦4,278,173 Mil) to Dec. 2025 (₦4,654,371 Mil).

Fidelity Bank Net Loan Historical Data

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The historical data trend for Fidelity Bank's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Fidelity Bank Net Loan Chart

Fidelity Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,624,540.00 2,098,010.00 3,083,013.00 4,382,907.00 4,278,173.00

Fidelity Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4,601,098.00 4,851,258.00 4,842,745.00 4,278,173.00 4,654,371.00
NSA:FBP
69GF Score
Fidelity Bank PLC NSA:FBP
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Fidelity Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of ₦4,654,371 Mil mean?
Fidelity Bank (NSA:FBP) has a Net Loan of ₦4,654,371 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Fidelity Bank and its competitors.
Is Fidelity Bank's Net Loan too high?
Fidelity Bank's current Net Loan is ₦4,654,371 Mil. Overall, Fidelity Bank has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity Bank's Net Loan compare to competitors?
Fidelity Bank's Net Loan of ₦4,654,371 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Fidelity Bank and its competitors. Fidelity Bank's current Net Loan is ₦4,654,371 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fidelity Bank stock overvalued right now?
Based on GuruFocus' analysis, Fidelity Bank (NSA:FBP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦14.31, compared to a current price of ₦21.85 — trading 52.7% above its estimated fair value. The current Net Loan is ₦4,654,371 Mil. Fidelity Bank's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Fidelity Bank (NSA:FBP), the current Net Loan is ₦4,654,371 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Fidelity Bank (NSA:FBP) Overvalued in 2026?

Based on GuruFocus' analysis, Fidelity Bank stock appears to be overvalued. The current stock price of ₦21.85 is trading 52.7% above its estimated GF Value™ of ₦14.31. GuruFocus considers Fidelity Bank to be Significantly Overvalued.

Key valuation signals for NSA:FBP:

  • Net Loan: ₦4,654,371 Mil
  • GF Value™: ₦14.31 vs. price of ₦21.85 (52.7% above fair value)
  • GF Score™: 69/100 with 6 warning signs

No single metric tells the full story. See the NSA:FBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Fidelity Bank Business Description

Address 1 Fidelity Bank Close Off Kofo Abayomi Street, Fidelity Place, Victoria Island, Lagos, NGA
Fidelity Bank PLC offers banking and other financial services to corporate and individual customers. It operates through segments including Retail banking that offers retail, personal and commercial services to individuals, small and medium business customers and E-Business products to serve retail banking; Its Corporate Banking segment offers commercial and corporate banking services to corporate business customers, it covers the Power and Infrastructure, Oil and Gas Upstream and downstream, Real Estate, Agro-Allied, and other industries; and Investment banking segment is involved in the funding and management of the bank's securities, trading, and investment decisions. It generates maximum revenue from the Retail Segment.
69GF Score

Get the complete analysis for NSA:FBP

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₦21.85
Price
₦14.31
GF Value