Son, father, husband and brother. A sinner saved by grace. May the son of David have mercy on me all the days of my life. Jeremiah 30:9 and Psalm 62: 9.
Jinja - Uganda
Joined February 2010
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Rugaba Agaba retweeted
My view is P/E and P/B are good stock screeners for financial companies e.g insurance and banks. They're not a one size fits all.
P/E is good is a company is having earnings but what about when a company isn't. For example New Vision. For companies with strong earnings, I usually use P/E but go a step further to assess the quality of earnings
Same with P/B, it is an unfavorable metric for companies that are asset-light like software companies. In this case, I prefer looking at Asset Utilization Ratios especially where company is asset-heavy.
I usually choose a metric on a case-by-case basis. If I am to choose one, I usually look out for ROE, that's primarily driven by Operational efficiency rather than leverage.
On Stanbic, yes a lucrative bond market would pull back the price to the price I indicated. This would increase interest income (from coupon payments) improve its ROE which could ultimately increase its stock price.
Premium Content. 🤝🤑
I actually did write about them recently.
You can check out the articles here and let me know what you think.
MTN: busulwa.com/p/mtn-uganda-vs-…
Stanbic: busulwa.com/p/5-screening-qu…
Rugaba Agaba retweeted
To all our P7 candidates sitting their Primary Leaving Examinations (PLE), I wish you the very best of luck.
Stay calm, believe in yourselves and give it your very best.
Rugaba Agaba retweeted
This Week's Deep Dive -Quality Chemicals Industries Limited (@qcil_uganda2 )
For the last 10 days, I’ve been researching and digging into the financials from 2021-2026 of QCIL, Uganda’s biggest pharmaceutical company and one of the best-run businesses on the Uganda Securities Exchange.
By the end of this thread you’ll know the 9 things you’d watch before buying a single share which include:
1. Active Pharmaceutical Ingredient (API) costs
2. Who pays the bills
3. Lumpy Tenders
4. One-off gains
5. The Dividend versus The cash
6. The New Luzira Plant and the USD 36m loan
7. The Uganda shilling & associated Currency Risk
8. The Dividend Squeeze
9. Who owns QCIL
....and why I think it’s actually worth at UShs 168 (near current share price). I have tried to use the simplest of words.
Without a background in finance, you'll still be able to follow and understand the process and how I arrived at the figures
Why not go into some analysis then?🧵
Rugaba Agaba retweeted
Denmark is moving to ban Frankenchickens — the first country in the world to do so.
What we’ve done to chickens is the largest genetic experiment ever run on any animal, and one of the most troubling.
Geneticists took a scrawny bird and engineered an obese meat machine. The chickens we eat today grow four times faster than chickens did in 1957.
But their bodies are not four times stronger. By just six weeks old, many will suffer ailments of old age — heart failure, organ colapse — while one in four will become lame (Knowles et al., 2008).
In studies, lame birds will choose feed laced with painkillers — a sign of chronic pain (Danbury et al., 2000).
Their parents meanwhile are kept on starvation rations. Birds engineered to grow this fast would otherwise eat themselves to death before laying a single egg.
We now breed over 70 billion of these birds a year. Denmark is acting to reverse this giant genetic experiment. The rest of the world should follow suit.
The Danish government wants to ban a fast-growing breed known as “turbo chickens,” setting up another clash with the farm sector over animal welfare.
vist.ly/5qhf8
Rugaba Agaba retweeted
TotalEnergies Pushes Uganda’s First Oil to June 2027 as Hormuz Delays Disrupt Equipment Deliveries
Uganda’s first oil faces another setback! @TotalEnergiesUG has pushed production to the first half of 2027, blaming equipment shipment delays through the Strait of Hormuz. The six-month postponement raises fresh concerns over pipeline readiness, oilfield commissioning and the timing of Uganda’s anticipated UGX1.8 trillion in petroleum revenues.
Read the full story 👉🏾 ceo.co.ug/totalenergies-push…
#UgandaOil #TotalEnergies #EACOP
Rugaba Agaba retweeted
This is what strong U.S.-Uganda commercial ties look like: American diagnostics leader @orasure has partnered with Ugandan company @zakayo_ind to assemble, package, and distribute the OraQuick HIV Self-Test right here in Uganda. Good for patients, good for business. 🇺🇸🇺🇬
Oh No!
Norah Borus Chelagat (born June 7, 1995) was an exceptionally brilliant Kenyan computer scientist and academic prodigy, who hailed from Moiben, Uasin Gishu County.
Before 2019, she had achieved national celebrity status in Kenya due to her academic excellence.
Norah was the last-born child of highly accomplished professionals. Her father, Professor Peter Borus, is a prominent polio specialist and researcher at the Kenya Medical Research Institute (KEMRI). Her mother, Dr. Dinah J. Borus, is a graduate-educated agronomist who worked with the Ministry of Agriculture.
Chelagat attended Precious Blood Girls High School, Riruta, one of Kenya's top-performing national schools, and in the 2013 Kenya Certificate of Secondary Education (KCSE) examinations, she emerged as the best-performing female candidate in Nairobi County and was ranked 4th overall nationally.
Following her spectacular results, she joined the prestigious Equity Bank African Leadership Programme in 2014, a selective pipeline designed to mentor Kenya's brightest minds for global impact.
While her excellent national grades traditionally would have directed her toward a medical degree in Kenya, Norah chose to follow her passion for technology and secured a scholarship to Stanford University in California, entering in late 2015.
At Stanford, she proved her academic capability by enrolling in a demanding co-terminal program, which allowed her to fast-track her studies, graduating with a First Class Honours degree in Engineering while simultaneously finishing a Master’s Degree in Computer Science, specializing in Artificial Intelligence and Machine Learning.
Norah was heavily involved in tech-for-good initiatives, collaborating with Stanford's CS + Social Good group to build an SMS platform for Sanergy, a company scaling hygienic sanitation solutions in Kenyan informal settlements.
Aside from programming, she was an active vocalist, part of the Stanford Center for African Studies, and loved mentoring youth by teaching nine-week coding camps in Nairobi during her summer breaks.
In June 2019, a video emerged online that Norah had recorded detailing her life abroad. In it, she spoke candidly about feeling deeply disconnected in the United States.
"Before Stanford, I had never gone out of Kenya," she expressed.
She mentioned that while people on campus were nice, she deeply missed Kenya, the food, and the distinct warmth of the people. She remarked on a unique feeling of security she felt back home that was missing in the U.S.: "There is a certain feeling you get while in Kenya... like people are waiting for you."
Few days before Friday, June 14, 2019, Norah uncharacteristically dropped out of touch.
Because Norah was a highly active student, she was a vocalist, a mentor, and heavily involved with the African Studies Center. Dropping out of contact or missing planned gatherings completely during Commencement (Graduation) Weekend, when campus life was intensely social, immediately raised red flags for those close to her.
As an international student who relied heavily on messaging apps (like WhatsApp) to stay connected with both her campus friend groups and families back home in Kenya, suddenly going "dark" and failing to respond to repeated texts, phone calls, or knocks on a dormitory door gave a primary reason her friends to contact residential advisors, and campus police.
The Stanford University Police Department entered Norah Borus's room on Friday afternoon, June 14, 2019, for a
welfare check.
Following protocol when an occupant does not respond to repeated knocks, university officials and police officers utilized a master key to enter her private residence hall room at Kimball Hall.
Inside her room, officers discovered the 24-year-old Norah lying completely lifeless, and deceased after consuming poison.
Rugaba Agaba retweeted
When you make income in business, 40% put it back in business. 30% invest it elsewhere and enjoy the rest. Owek. Ssewagudde Hanis Mukasa @JoanMugenzi @UAPOldMutualUg @bleep_app_ @icealionug
Rugaba Agaba retweeted
That “quick deal” can become a 10-year court case.
In Uganda, paying in good faith for estate land without verifying Letters of Administration means buying a lawsuit, not property.
A simple verification today saves millions in court tomorrow.
Don’t inherit a dispute.
#LandLawUganda #DueDiligence #TARAAdvocates
Rugaba Agaba retweeted
You can leave your property to someone outside your children.
But have you asked yourself why?
A Will made in silence leaves behind more questions than answers. That silence is what often leads to family fights, contested Wills, and broken relationships.
If you are considering excluding your children from your Will, have the conversation.
Be clear about your reasons.
Get it properly drafted.
A good Will doesn’t just share property. It prevents future conflict.
#TARAAdvocates #KnowTheLaw #WillWriting #SuccessionLawUganda
For answers you may need to check out this fantastic session by @TaraAdvocates .
youtu.be/DjkkzXnxvmI?si=b7kn…
