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During the past 12 months, Guaranty Trust Holding Co's average EPS without NRIGrowth Rate was -28.10% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 62.40% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 45.10% per year.
During the past 6 years, Guaranty Trust Holding Co's highest 3-Year average EPS without NRI Growth Rate was 79.40% per year. The lowest was 42.50% per year. And the median was 62.40% per year.
Guaranty Trust Holding Co (NSA:GTCO) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Guaranty Trust Holding Co Earnings per Share (Diluted) Related Terms
Guaranty Trust Holding Co Earnings per Share (Diluted) Historical Data
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The historical data trend for Guaranty Trust Holding Co's Earnings per Share (Diluted) 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.
Guaranty Trust Holding Co Earnings per Share (Diluted) Chart
NSA:GTCO vs JPM, BAC, WFC: Earnings per Share (Diluted) Comparison
For the Banks - Diversified subindustry, Guaranty Trust Holding Co's PE Ratio, along with its competitors' market caps and PE Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Guaranty Trust Holding Co PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Guaranty Trust Holding Co's PE Ratio distribution charts can be found below:
* The bar in red indicates where Guaranty Trust Holding Co's PE Ratio falls into.
Guaranty Trust Holding Co Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Guaranty Trust Holding Co's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was ₦25.37
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of ₦25.37 mean?
Guaranty Trust Holding Co (NSA:GTCO) has a Earnings per Share (Diluted) of ₦25.37 as of Dec. 2025. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Guaranty Trust Holding Co and its competitors. According to the industry distribution chart, Guaranty Trust Holding Co ranks #55 out of 1402 companies in the Banks industry, placing it in the top 3.9%.
Is Guaranty Trust Holding Co's Earnings per Share (Diluted) too high?
Guaranty Trust Holding Co's current Earnings per Share (Diluted) is ₦25.37. Based on the distribution chart, Guaranty Trust Holding Co ranks #55 out of 1402 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Guaranty Trust Holding Co has a GF Score™ of 80/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Guaranty Trust Holding Co's Earnings per Share (Diluted) compare to JPM and BAC?
According to the Banks industry distribution chart, Guaranty Trust Holding Co ranks #55 out of 1402 companies for Earnings per Share (Diluted). This places Guaranty Trust Holding Co in the top 4% of its industry — outperforming the majority of peers. The industry median Earnings per Share (Diluted) is 7.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Guaranty Trust Holding Co and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guaranty Trust Holding Co's current Earnings per Share (Diluted) is ₦25.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guaranty Trust Holding Co stock overvalued right now?
Based on GuruFocus' analysis, Guaranty Trust Holding Co (NSA:GTCO) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦73.20, compared to a current price of ₦129.90 — trading 77.5% above its estimated fair value. The current Earnings per Share (Diluted) is ₦25.37. Guaranty Trust Holding Co's overall GF Score™ is 80/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Guaranty Trust Holding Co (NSA:GTCO), the current Earnings per Share (Diluted) is ₦25.37 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 Guaranty Trust Holding Co (NSA:GTCO) Overvalued in 2026?
Based on GuruFocus' analysis, Guaranty Trust Holding Co stock appears to be overvalued.
The current stock price of ₦129.90 is trading 77.5% above its estimated GF Value™ of ₦73.20.
GuruFocus considers Guaranty Trust Holding Co to be Significantly Overvalued.
Key valuation signals for NSA:GTCO:
Earnings per Share (Diluted): ₦25.37
GF Value™: ₦73.20 vs. price of ₦129.90 (77.5% above fair value)
No single metric tells the full story. See the NSA:GTCO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Guaranty Trust Holding Co PLC is a multinational financial institution that provides individuals, businesses, private and public institutions across Africa and the United Kingdom with a broad range of market key financial products and services. The company has six reportable segments: Corporate banking which derives maximum revenue, and incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Commercial banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Business banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Retail banking which incorporates private banking services, private customer current accounts, savings deposits; SME banking; and Public sector.
80GF Score
Get the complete analysis for NSA:GTCO
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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