How to start investing in the Nigerian stock market in 2026. Step 1: Choose a licensed stockbroker. Step 2: Open an account and get your CSCS number. Step 3: Fund your account. Step 4: Buy your first shares. That is it. Four steps. Under 30 minutes on your first try. Everything below explains each step in plain language.

Buying a stock on its first day of listing does not guarantee profit. Here is the data that proves it. 10 popular stocks. Their listing price. What they were worth exactly one year later. WINNERS GEREGU—Listed ₦100 | One year later ₦315 | 215% BUA CEMENT—Listed ₦35 | One year later ₦79 | 125.7% MTNN—Listed ₦90 | One year later ₦169.90 | 88.8% BUA FOODS—Listed ₦40 | One year later ₦74.40 | 86% APPLE — Listed $22 | One year later | 20% ARADEL—Listed ₦702.69 | One year later ₦945 | 34.5% LOSERS META—Listed $38 | One year later $26.25 | -30.9% TRANSCORP HOTELS—Listed ₦10 | One year later ₦7.30 | -27% DANGOTE CEMENT—Listed ₦135 | One year later ₦117 | -13.3% AIRTEL AFRICA—Listed ₦363 | One year later ₦348 | -4.1% The lesson: Geregu gave 215% in year one. Meta dropped 31% in the same timeframe. Same market. Different businesses. Different outcomes. The listing price is not the story. The business behind it is the story. Buying without understanding the company is gambling. Buying after proper research is investing. Learn the difference before you put your money in. Not financial advice. Do your own research.

I started Zenith bank in 1990 with ₦20 million, equivalent to $4 million at that time.

Just reach out to the broker.

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The film Dumb Money shows how the GameStop short squeeze turned retail traders against Wall Street in 2021. It follows Reddit investors pushing GameStop shares higher, forcing hedge funds like Melvin Capital to face massive losses exceeding 6 billion dollars during the short squeeze. The story contrasts how retail traders face personal financial pain, while large hedge funds often absorb losses through institutional support and recovery systems.

The Wolf of Wall Street is a 2013 biographical crime drama directed by Martin Scorsese and starring Leonardo DiCaprio. The film is based on the memoir of Jordan Belfort and tells the story of his rise and fall as a stockbroker involved in massive financial fraud.

Her: sell your Access bank shares or 🥲 Me:

2026 FIFA World Cup stadium, fans, Nigerian music playing, flags waving.

FCMB Group is not just a bank. It is seven businesses under one roof. FCMB Group owns First City Monument Bank, FCMB Capital Markets, CSL Stockbrokers, FCMB Trustees, FCMB Microfinance Bank, FCMB Pensions, and Credit Direct Finance Company. Credit Direct alone contributed N16 billion in profit after tax in 2025, making it one of the most profitable consumer lending businesses in Nigeria.

FCMB earned N95.97 billion in fees and commissions. Service income is becoming a bigger part of the business. Fee and commission income grew 29% from N74.3 billion in 2024 to N96 billion in 2025. Account maintenance fees, asset management fees and electronic channel commissions all rose. After deducting expenses, net fee income came in at N73.8 billion, up 25.6% year on year.

FCMB is sitting on N1.3 trillion in cash. Liquidity is not a concern. Cash and cash equivalents grew from N795.4 billion at end of 2024 to N1.301 trillion by December 2025. Most of this is held in foreign bank balances and short-term placements. The group also holds N1.198 trillion in restricted reserves with the CBN.

FCMB spent N86 billion on impairment charges in 2025. That is more than double 2024. Net impairment losses on financial assets jumped from N41.2 billion in 2024 to N86 billion in 2025. Loan impairments drove the bulk of this at N92.5 billion, partly offset by N10.4 billion in recoveries. The bank is provisioning more aggressively, which is prudent given the macro environment but worth watching.

FCMB earned N3.96 per share in 2025. That is a 61% improvement from N2.46 the year before. Basic earnings per share rose to N3.96 for the full year 2025, compared to N2.46 in 2024. With FCMB shares trading at around N12 on the NGX, that puts the stock on a price-to-earnings ratio of roughly 3x. By any standard, that is a cheap valuation for a bank growing this fast.

FCMB shareholders equity jumped from N689 billion to N823 billion in one year. Total equity attributable to owners grew to N822.4 billion by December 2025, up from N688.2 billion a year earlier. Retained earnings more than doubled from N188.4 billion to N309.2 billion. Shareholders who stayed the course in 2025 were well rewarded.

FCMB Group now manages N7.54 trillion in total assets. It has grown by half a trillion in one year. Total assets grew from N7.05 trillion in December 2024 to N7.54 trillion in December 2025. Customer deposits rose to N4.40 trillion. The group's scale is now firmly in the tier one conversation even though it is not officially classified as one.

FCMB's interest income crossed N1 trillion for the first time in its history. Interest and discount income hit N1.002 trillion in 2025, up from N621.8 billion in 2024, a 61% increase. Net interest income after costs came in at N502.9 billion. The bank is earning more from its core lending and investment business than ever before.

Zedcrest Wealth Mutual Funds (May 2026 Performance) • Equity Fund (ZEF): 108.40% YTD (vs 60.90% Benchmark) • Fixed Income (ZFIF): 16.01% Net Yield • Money Market (ZMMF): 14.70% Net Yield • Dollar Fund (ZDF): 5.55% USD Yield Secure returns. Diversified growth.

FCMB Group just posted its strongest full year profit ever. N176.9 billion. FCMB Group Plc recorded a profit after tax of N176.9 billion for the full year ended 31 December 2025, more than double the N73.3 billion posted in 2024. That is a 141% year on year jump. This is a landmark result for the group.