July 29th, 2025: My stock pick today in the Nigerian capital market

Chams Holding Company Plc (CHAMS) emerges as my best stock pick for today, July 29, 2025, primarily due to its compelling financial metrics that signal undervaluation and growth amid Nigeria’s fintech surge. Trading at ₦3.10 with a 3.33% daily uptick and robust volume of 35 million shares, it boasts a year-to-date gain of 42.86%, outpacing the broader NGX’s 33.9% rise. Financially, Q1 2025 revenue climbed 11.5% to ₦3.87 billion, driven by digital identity and payment segments, while trailing 12-month gross profit hit ₦4.10 billion with a solid 26.89% margin. Despite a profit before tax dip to ₦181.5 million from elevated finance costs, net income held steady at ₦148.9 million, yielding an EPS of 3.00 kobo. With a market cap of ₦14.5 billion, P/E ratio around 38x, and low debt-to-equity of 26.7%, Chams appears undervalued for its sector, especially with historical gains like 1,150% over three years. Its low beta (-0.044) adds stability in a volatile market.

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