NPF Microfinance Bank Plc has reported a pre-tax profit of N5.69 billion for the full year ended December 31, 2025, more than double the N2.44 billion posted in 2024, supported by higher interest income and improved core profitability.
The performance was disclosed in the bank’s unaudited financial statements for the year ended December 31, 2025, filed with the Nigerian Exchange (NGX) on Tuesday, January 27, 2026.
Profit after tax rose sharply to N4.03 billion, compared with N1.57 billion in the prior year, reflecting stronger earnings generation despite rising operating costs.
According to the results, NPF Microfinance Bank’s improved performance was driven mainly by growth in interest income, stronger net interest margins, and improved fee-based earnings, even as inflationary pressures pushed up personnel and operating expenses.
NPF Microfinance Bank reported gross earnings of N19.24 billion in 2025, representing a significant increase from N12.95 billion recorded in 2024.
On the cost side, operating expenses increased during the year.
The NPF Microfinance Bank stock is currently the 79th most valuable on the NGX. In 2025, it ranked among the exchange’s best performers, posting about 115% price gain as shares rose from about N1.70 in early January to N3.71 at year-end, reinforcing its strong momentum into 2026.
This year, the microfinance bank’s shares extended their strong rally on the Nigerian Exchange, reflecting sustained investor interest driven by earnings momentum and past price performance.
NPF Microfinance Bank is the 62nd most traded stock on the NGX over the past three months (Oct 28, 2025 – Jan 27, 2026), having traded a total volume of 142 million shares—in 6,518 deals—valued at N571 million over the period.
NPF Microfinance Bank has sustained a profitable run after rebounding from weak earnings in 2018, with steady improvement in earnings and capital strength in recent years.
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The bank’s 2025 performance points to stronger earnings momentum, supported by rapid loan growth and rising interest income.
Improved equity and retained earnings have strengthened capital buffers, although rising operating costs remain a key risk in Nigeria’s high-inflation environment.