Wema Bank (NSA:WEMA) Net Loan: ₦1,717,277 Mil (As of Dec. 2025)

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NSA:WEMA Wema Bank PLC NSA:WEMA
65 GF Score
Price ₦32.00
GF Value ₦13.17
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Wema Bank Net Loan?

Wema Bank NSA:WEMA +0.63% 65 Net Loan is ₦1,717,277 Mil as of Dec. 2025. GuruFocus rates NSA:WEMA with a GF Score™ of 65/100 and a GF Value™ of ₦13.17 (Significantly Overvalued). The stock has 2 warning signs investors should review.

Wema Bank's quarterly net loan increased from Jun. 2025 (₦1,411,290 Mil) to Sep. 2025 (₦1,546,405 Mil) and increased from Sep. 2025 (₦1,546,405 Mil) to Dec. 2025 (₦1,717,277 Mil).

Wema Bank's annual net loan increased from Dec. 2023 (₦792,087 Mil) to Dec. 2024 (₦1,546,405 Mil) and increased from Dec. 2024 (₦1,546,405 Mil) to Dec. 2025 (₦1,717,277 Mil).

Wema Bank Net Loan Historical Data

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The historical data trend for Wema 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.

Wema Bank Net Loan Chart

Wema 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 412,495.52 513,167.23 792,086.80 1,192,918.15 1,717,276.54

Wema Bank Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
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 1,192,918.15 1,198,375.79 1,411,290.08 1,546,404.85 1,717,276.54
NSA:WEMA
65GF Score
Wema Bank PLC NSA:WEMA
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Wema 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 ₦1,717,277 Mil mean?
Wema Bank (NSA:WEMA) has a Net Loan of ₦1,717,277 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Wema Bank and its competitors.
Is Wema Bank's Net Loan too high?
Wema Bank's current Net Loan is ₦1,717,277 Mil. Overall, Wema Bank has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Wema Bank's Net Loan compare to competitors?
Wema Bank's Net Loan of ₦1,717,277 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 Wema Bank and its competitors. Wema Bank's current Net Loan is ₦1,717,277 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Wema Bank stock overvalued right now?
Based on GuruFocus' analysis, Wema Bank (NSA:WEMA) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦13.17, compared to a current price of ₦32.00 — trading 143% above its estimated fair value. The current Net Loan is ₦1,717,277 Mil. Wema Bank's overall GF Score™ is 65/100 with 2 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 Wema Bank (NSA:WEMA), the current Net Loan is ₦1,717,277 Mil as of Dec. 2025. 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 Wema Bank (NSA:WEMA) Overvalued in 2026?

Based on GuruFocus' analysis, Wema Bank stock appears to be overvalued. The current stock price of ₦32.00 is trading 143% above its estimated GF Value™ of ₦13.17. GuruFocus considers Wema Bank to be Significantly Overvalued.

Key valuation signals for NSA:WEMA:

  • Net Loan: ₦1,717,277 Mil
  • GF Value™: ₦13.17 vs. price of ₦32.00 (143% above fair value)
  • GF Score™: 65/100 with 2 warning signs

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

Wema Bank Business Description

Address 54, Marina, Wema Tower, Lagos, NGA, 12862
Wema Bank PLC is a commercial bank. The company offers retail banking, SME banking, corporate banking, treasury, trade services and financial advisory to its customers. Its services include granting of loans and advances, corporate finance and money market activities. The bank operates in four geographical regions: South-west, South-South, Abuja, and Lagos zones. Wema derives the majority of its revenues from Lagos.
65GF Score

Get the complete analysis for NSA:WEMA

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

₦32.00
Price
₦13.17
GF Value