View Future GrowthHFCB Group 과거 순이익 실적과거 기준 점검 5/6HFCB Group은 연평균 73.6%의 비율로 수입이 증가해 온 반면, Banks 산업은 수입이 18.3% 증가했습니다. 매출은 연평균 22%의 비율로 증가했습니다. HFCB Group의 자기자본이익률은 8.5%이고 순이익률은 24.5%입니다.핵심 정보73.58%순이익 성장률63.45%주당순이익(EPS) 성장률Banks 산업 성장률14.32%매출 성장률21.97%자기자본이익률8.49%순이익률24.50%최근 순이익 업데이트31 Mar 2026최근 과거 실적 업데이트Reported Earnings • Jun 07First quarter 2026 earnings released: EPS: KSh0.25 (vs KSh0.14 in 1Q 2025)First quarter 2026 results: EPS: KSh0.25 (up from KSh0.14 in 1Q 2025). Revenue: KSh1.72b (up 31% from 1Q 2025). Net income: KSh475.5m (up 45% from 1Q 2025). Profit margin: 28% (up from 25% in 1Q 2025). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has increased by 29% per year, which means it is well ahead of earnings.Reported Earnings • Apr 09Full year 2025 earnings released: EPS: KSh0.75 (vs KSh0.90 in FY 2024)Full year 2025 results: EPS: KSh0.75. Revenue: KSh5.76b (up 55% from FY 2024). Net income: KSh1.42b (up 171% from FY 2024). Profit margin: 25% (up from 14% in FY 2024). The increase in margin was driven by higher revenue.Reported Earnings • Nov 29Third quarter 2025 earnings releasedThird quarter 2025 results: Revenue: KSh1.52b (up 82% from 3Q 2024). Net income: KSh364.4m (up 68% from 3Q 2024). Profit margin: 24% (down from 26% in 3Q 2024). The decrease in margin was driven by higher expenses.Reported Earnings • Sep 05Second quarter 2025 earnings releasedSecond quarter 2025 results: Revenue: KSh1.36b (up 47% from 2Q 2024). Net income: KSh296.4m (up 156% from 2Q 2024). Profit margin: 22% (up from 13% in 2Q 2024). The increase in margin was driven by higher revenue.Reported Earnings • May 24Full year 2024 earnings released: EPS: KSh0.90 (vs KSh1.01 in FY 2023)Full year 2024 results: EPS: KSh0.90. Revenue: KSh3.72b (up 8.0% from FY 2023). Net income: KSh524.7m (up 35% from FY 2023). Profit margin: 14% (up from 11% in FY 2023). The increase in margin was driven by higher revenue.Reported Earnings • Dec 01Third quarter 2024 earnings releasedThird quarter 2024 results: Revenue: KSh836.0m (down 8.9% from 3Q 2023). Net income: KSh217.2m (up 300% from 3Q 2023). Profit margin: 26% (up from 5.9% in 3Q 2023). The increase in margin was driven by lower expenses.모든 업데이트 보기Recent updatesReported Earnings • Jun 07First quarter 2026 earnings released: EPS: KSh0.25 (vs KSh0.14 in 1Q 2025)First quarter 2026 results: EPS: KSh0.25 (up from KSh0.14 in 1Q 2025). Revenue: KSh1.72b (up 31% from 1Q 2025). Net income: KSh475.5m (up 45% from 1Q 2025). Profit margin: 28% (up from 25% in 1Q 2025). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has increased by 29% per year, which means it is well ahead of earnings.공고 • May 05HF Group Plc, Annual General Meeting, May 26, 2026HF Group Plc, Annual General Meeting, May 26, 2026, at 11:00 E. Africa Standard Time.Reported Earnings • Apr 09Full year 2025 earnings released: EPS: KSh0.75 (vs KSh0.90 in FY 2024)Full year 2025 results: EPS: KSh0.75. Revenue: KSh5.76b (up 55% from FY 2024). Net income: KSh1.42b (up 171% from FY 2024). Profit margin: 25% (up from 14% in FY 2024). The increase in margin was driven by higher revenue.Reported Earnings • Nov 29Third quarter 2025 earnings releasedThird quarter 2025 results: Revenue: KSh1.52b (up 82% from 3Q 2024). Net income: KSh364.4m (up 68% from 3Q 2024). Profit margin: 24% (down from 26% in 3Q 2024). The decrease in margin was driven by higher expenses.Reported Earnings • Sep 05Second quarter 2025 earnings releasedSecond quarter 2025 results: Revenue: KSh1.36b (up 47% from 2Q 2024). Net income: KSh296.4m (up 156% from 2Q 2024). Profit margin: 22% (up from 13% in 2Q 2024). The increase in margin was driven by higher revenue.Valuation Update With 7 Day Price Move • Sep 04Investor sentiment improves as stock rises 15%After last week's 15% share price gain to KSh11.00, the stock trades at a trailing P/E ratio of 29.5x. Average trailing P/E is 5x in the Banks industry in Kenya. Total returns to shareholders of 222% over the past three years.New Risk • Aug 14New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Kenyan stocks, typically moving 7.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Shareholders have been substantially diluted in the past year (390% increase in shares outstanding). Minor Risk Share price has been volatile over the past 3 months (7.6% average weekly change).Valuation Update With 7 Day Price Move • Aug 13Investor sentiment improves as stock rises 21%After last week's 21% share price gain to KSh8.84, the stock trades at a trailing P/E ratio of 23.7x. Average trailing P/E is 4x in the Banks industry in Kenya. Total returns to shareholders of 159% over the past three years.New Risk • May 30New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 390% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Shareholders have been substantially diluted in the past year (390% increase in shares outstanding). Minor Risk Market cap is less than US$100m (KSh12.5b market cap, or US$96.9m).Reported Earnings • May 24Full year 2024 earnings released: EPS: KSh0.90 (vs KSh1.01 in FY 2023)Full year 2024 results: EPS: KSh0.90. Revenue: KSh3.72b (up 8.0% from FY 2023). Net income: KSh524.7m (up 35% from FY 2023). Profit margin: 14% (up from 11% in FY 2023). The increase in margin was driven by higher revenue.Valuation Update With 7 Day Price Move • May 19Investor sentiment improves as stock rises 17%After last week's 17% share price gain to KSh6.34, the stock trades at a trailing P/E ratio of 3.8x. Average trailing P/E is 4x in the Banks industry in Kenya. Total returns to shareholders of 143% over the past three years.공고 • May 06HF Group Plc, Annual General Meeting, May 28, 2025HF Group Plc, Annual General Meeting, May 28, 2025, at 11:00 E. Africa Standard Time.New Risk • Mar 10New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Kenyan stocks, typically moving 10% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (10% average weekly change). Minor Risk Market cap is less than US$100m (KSh2.76b market cap, or US$21.4m).Valuation Update With 7 Day Price Move • Feb 10Investor sentiment improves as stock rises 16%After last week's 16% share price gain to KSh8.46, the stock trades at a trailing P/E ratio of 5.1x. Average trailing P/E is 4x in the Banks industry in Kenya. Total returns to shareholders of 167% over the past three years.Valuation Update With 7 Day Price Move • Jan 27Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to KSh7.44, the stock trades at a trailing P/E ratio of 4.5x. Average trailing P/E is 4x in the Banks industry in Kenya. Total returns to shareholders of 142% over the past three years.New Risk • Jan 15New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Kenyan stocks, typically moving 7.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (7.9% average weekly change). Market cap is less than US$100m (KSh2.89b market cap, or US$22.3m).Valuation Update With 7 Day Price Move • Jan 08Investor sentiment improves as stock rises 18%After last week's 18% share price gain to KSh5.30, the stock trades at a trailing P/E ratio of 3.2x. Average trailing P/E is 4x in the Banks industry in Kenya. Total returns to shareholders of 63% over the past three years.Reported Earnings • Dec 01Third quarter 2024 earnings releasedThird quarter 2024 results: Revenue: KSh836.0m (down 8.9% from 3Q 2023). Net income: KSh217.2m (up 300% from 3Q 2023). Profit margin: 26% (up from 5.9% in 3Q 2023). The increase in margin was driven by lower expenses.Reported Earnings • Aug 26Second quarter 2024 earnings released: EPS: KSh0.30 (vs KSh0.26 in 2Q 2023)Second quarter 2024 results: EPS: KSh0.30 (up from KSh0.26 in 2Q 2023). Revenue: KSh927.0m (up 7.7% from 2Q 2023). Net income: KSh115.9m (up 18% from 2Q 2023). Profit margin: 13% (up from 12% in 2Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 112% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth.Valuation Update With 7 Day Price Move • Jul 22Investor sentiment improves as stock rises 16%After last week's 16% share price gain to KSh4.79, the stock trades at a trailing P/E ratio of 4x. Average trailing P/E is 4x in the Banks industry in Kenya. Total returns to shareholders of 20% over the past three years.Board Change • May 27High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Non Independent & Non Executive Director Tom Gitogo was the last director to join the board, commencing their role in 2023. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.Valuation Update With 7 Day Price Move • May 09Investor sentiment improves as stock rises 15%After last week's 15% share price gain to KSh4.38, the stock trades at a trailing P/E ratio of 4.3x. Average trailing P/E is 4x in the Banks industry in Kenya. Total returns to shareholders of 9.5% over the past three years.공고 • May 08HF Group Plc, Annual General Meeting, May 28, 2024HF Group Plc, Annual General Meeting, May 28, 2024, at 11:00 E. Africa Standard Time.New Risk • Apr 24New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Kenyan stocks, typically moving 9.6% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (9.6% average weekly change). Minor Risk Market cap is less than US$100m (KSh1.43b market cap, or US$10.7m).New Risk • Oct 09New major risk - Market cap sizeThe company's market capitalization is less than US$10m. Market cap: KSh1.48b (US$9.94m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risk Market cap is less than US$10m (KSh1.48b market cap, or US$9.94m). Minor Risk Share price has been volatile over the past 3 months (8.2% average weekly change).Reported Earnings • Sep 05Second quarter 2023 earnings releasedSecond quarter 2023 results: Revenue: KSh860.4m (up 22% from 2Q 2022). Net income: KSh98.7m (up KSh83.0m from 2Q 2022). Profit margin: 12% (up from 2.2% in 2Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 87% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth.Reported Earnings • Jun 04First quarter 2023 earnings released: EPS: KSh0.87 (vs KSh0.36 in 1Q 2022)First quarter 2023 results: EPS: KSh0.87 (up from KSh0.36 in 1Q 2022). Revenue: KSh802.3m (up 12% from 1Q 2022). Net income: KSh83.3m (up 144% from 1Q 2022). Profit margin: 10% (up from 4.8% in 1Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 97% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.Price Target Changed • Apr 27Price target decreased to KSh3.79Down from KSh41.03, the current price target is provided by 1 analyst. New target price is 25% above last closing price of KSh3.03. Stock is down 20% over the past year. The company is forecast to post a net loss per share of KSh1.98 next year compared to a net loss per share of KSh4.44 last year.Is New 90 Day High Low • Nov 12New 90-day low: KSh3.60The company is down 10.0% from its price of KSh4.00 on 14 August 2020. The Kenyan market is up 9.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 2.0% over the same period.Is New 90 Day High Low • Oct 16New 90-day low: KSh3.63The company is down 9.0% from its price of KSh4.00 on 17 July 2020. The Kenyan market is up 6.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is down 8.0% over the same period.매출 및 비용 세부 내역HFCB Group가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.순이익 및 매출 추이NASE:HFCB 매출, 비용 및 순이익 (KES Millions)날짜매출순이익일반관리비연구개발비31 Mar 266,4071,5702,981031 Dec 256,0001,4222,828030 Sep 255,1941,0302,603030 Jun 254,5118832,523031 Mar 254,0767022,424031 Dec 243,7165252,281030 Sep 243,5796352,309030 Jun 243,6604722,243031 Mar 243,5944552,199031 Dec 233,4413882,113030 Sep 233,4184402,018030 Jun 233,2573981,928031 Mar 233,1013151,832031 Dec 222,9432661,817030 Sep 222,598-361,862030 Jun 222,319-2721,835031 Mar 222,267-3671,840031 Dec 212,085-6681,777030 Sep 212,054-1,5471,782030 Jun 212,155-1,7571,836031 Mar 212,006-1,7511,883031 Dec 201,974-1,7071,856030 Sep 202,456-7562,524030 Jun 202,505-3092,416031 Mar 202,789-2092,427031 Dec 193,072-1101,763030 Sep 192,966-2872,514030 Jun 193,007-7022,652031 Mar 193,055-6842,774031 Dec 183,137-5982,733030 Sep 183,108-3482,674030 Jun 183,846-262,636031 Mar 183,845752,509031 Dec 173,7471262,372030 Sep 173,3832112,180030 Jun 173,3954512,577031 Mar 173,6546672,406031 Dec 163,9909062,367030 Sep 164,8651,2572,232030 Jun 164,7411,3242,190031 Mar 164,5801,3032,104031 Dec 154,2791,1972,103030 Sep 153,4181,0331,7680양질의 수익: HFCB는 고품질 수익을 보유하고 있습니다.이익 마진 증가: HFCB의 현재 순 이익률 (24.5%)은 지난해 (17.2%)보다 높습니다.잉여현금흐름 대비 순이익 분석과거 순이익 성장 분석수익추이: HFCB는 지난 5년 동안 흑자전환하며 연평균 73.6%의 수익 성장을 기록했습니다.성장 가속화: 지난 1년간 HFCB 의 수익 증가율(123.5%)은 연간 평균(73.6%)을 초과합니다.수익 대 산업: HFCB의 지난 1년 수익 증가율(123.5%)은 Banks 업계의 21.6%를 상회했습니다.자기자본이익률높은 ROE: HFCB의 자본 수익률(8.5%)은 낮음으로 평가됩니다.총자산이익률투하자본수익률우수한 과거 실적 기업을 찾아보세요7D1Y7D1Y7D1YBanks 산업에서 과거 실적이 우수한 기업.View Financial Health기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/07/28 18:26종가2026/07/24 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스HFCB Group Plc는 1명의 분석가가 다루고 있습니다. 이 중 0명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관null nullFaida Investment Bank Limited
Reported Earnings • Jun 07First quarter 2026 earnings released: EPS: KSh0.25 (vs KSh0.14 in 1Q 2025)First quarter 2026 results: EPS: KSh0.25 (up from KSh0.14 in 1Q 2025). Revenue: KSh1.72b (up 31% from 1Q 2025). Net income: KSh475.5m (up 45% from 1Q 2025). Profit margin: 28% (up from 25% in 1Q 2025). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has increased by 29% per year, which means it is well ahead of earnings.
Reported Earnings • Apr 09Full year 2025 earnings released: EPS: KSh0.75 (vs KSh0.90 in FY 2024)Full year 2025 results: EPS: KSh0.75. Revenue: KSh5.76b (up 55% from FY 2024). Net income: KSh1.42b (up 171% from FY 2024). Profit margin: 25% (up from 14% in FY 2024). The increase in margin was driven by higher revenue.
Reported Earnings • Nov 29Third quarter 2025 earnings releasedThird quarter 2025 results: Revenue: KSh1.52b (up 82% from 3Q 2024). Net income: KSh364.4m (up 68% from 3Q 2024). Profit margin: 24% (down from 26% in 3Q 2024). The decrease in margin was driven by higher expenses.
Reported Earnings • Sep 05Second quarter 2025 earnings releasedSecond quarter 2025 results: Revenue: KSh1.36b (up 47% from 2Q 2024). Net income: KSh296.4m (up 156% from 2Q 2024). Profit margin: 22% (up from 13% in 2Q 2024). The increase in margin was driven by higher revenue.
Reported Earnings • May 24Full year 2024 earnings released: EPS: KSh0.90 (vs KSh1.01 in FY 2023)Full year 2024 results: EPS: KSh0.90. Revenue: KSh3.72b (up 8.0% from FY 2023). Net income: KSh524.7m (up 35% from FY 2023). Profit margin: 14% (up from 11% in FY 2023). The increase in margin was driven by higher revenue.
Reported Earnings • Dec 01Third quarter 2024 earnings releasedThird quarter 2024 results: Revenue: KSh836.0m (down 8.9% from 3Q 2023). Net income: KSh217.2m (up 300% from 3Q 2023). Profit margin: 26% (up from 5.9% in 3Q 2023). The increase in margin was driven by lower expenses.
Reported Earnings • Jun 07First quarter 2026 earnings released: EPS: KSh0.25 (vs KSh0.14 in 1Q 2025)First quarter 2026 results: EPS: KSh0.25 (up from KSh0.14 in 1Q 2025). Revenue: KSh1.72b (up 31% from 1Q 2025). Net income: KSh475.5m (up 45% from 1Q 2025). Profit margin: 28% (up from 25% in 1Q 2025). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has increased by 29% per year, which means it is well ahead of earnings.
공고 • May 05HF Group Plc, Annual General Meeting, May 26, 2026HF Group Plc, Annual General Meeting, May 26, 2026, at 11:00 E. Africa Standard Time.
Reported Earnings • Apr 09Full year 2025 earnings released: EPS: KSh0.75 (vs KSh0.90 in FY 2024)Full year 2025 results: EPS: KSh0.75. Revenue: KSh5.76b (up 55% from FY 2024). Net income: KSh1.42b (up 171% from FY 2024). Profit margin: 25% (up from 14% in FY 2024). The increase in margin was driven by higher revenue.
Reported Earnings • Nov 29Third quarter 2025 earnings releasedThird quarter 2025 results: Revenue: KSh1.52b (up 82% from 3Q 2024). Net income: KSh364.4m (up 68% from 3Q 2024). Profit margin: 24% (down from 26% in 3Q 2024). The decrease in margin was driven by higher expenses.
Reported Earnings • Sep 05Second quarter 2025 earnings releasedSecond quarter 2025 results: Revenue: KSh1.36b (up 47% from 2Q 2024). Net income: KSh296.4m (up 156% from 2Q 2024). Profit margin: 22% (up from 13% in 2Q 2024). The increase in margin was driven by higher revenue.
Valuation Update With 7 Day Price Move • Sep 04Investor sentiment improves as stock rises 15%After last week's 15% share price gain to KSh11.00, the stock trades at a trailing P/E ratio of 29.5x. Average trailing P/E is 5x in the Banks industry in Kenya. Total returns to shareholders of 222% over the past three years.
New Risk • Aug 14New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Kenyan stocks, typically moving 7.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Shareholders have been substantially diluted in the past year (390% increase in shares outstanding). Minor Risk Share price has been volatile over the past 3 months (7.6% average weekly change).
Valuation Update With 7 Day Price Move • Aug 13Investor sentiment improves as stock rises 21%After last week's 21% share price gain to KSh8.84, the stock trades at a trailing P/E ratio of 23.7x. Average trailing P/E is 4x in the Banks industry in Kenya. Total returns to shareholders of 159% over the past three years.
New Risk • May 30New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 390% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Shareholders have been substantially diluted in the past year (390% increase in shares outstanding). Minor Risk Market cap is less than US$100m (KSh12.5b market cap, or US$96.9m).
Reported Earnings • May 24Full year 2024 earnings released: EPS: KSh0.90 (vs KSh1.01 in FY 2023)Full year 2024 results: EPS: KSh0.90. Revenue: KSh3.72b (up 8.0% from FY 2023). Net income: KSh524.7m (up 35% from FY 2023). Profit margin: 14% (up from 11% in FY 2023). The increase in margin was driven by higher revenue.
Valuation Update With 7 Day Price Move • May 19Investor sentiment improves as stock rises 17%After last week's 17% share price gain to KSh6.34, the stock trades at a trailing P/E ratio of 3.8x. Average trailing P/E is 4x in the Banks industry in Kenya. Total returns to shareholders of 143% over the past three years.
공고 • May 06HF Group Plc, Annual General Meeting, May 28, 2025HF Group Plc, Annual General Meeting, May 28, 2025, at 11:00 E. Africa Standard Time.
New Risk • Mar 10New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Kenyan stocks, typically moving 10% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (10% average weekly change). Minor Risk Market cap is less than US$100m (KSh2.76b market cap, or US$21.4m).
Valuation Update With 7 Day Price Move • Feb 10Investor sentiment improves as stock rises 16%After last week's 16% share price gain to KSh8.46, the stock trades at a trailing P/E ratio of 5.1x. Average trailing P/E is 4x in the Banks industry in Kenya. Total returns to shareholders of 167% over the past three years.
Valuation Update With 7 Day Price Move • Jan 27Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to KSh7.44, the stock trades at a trailing P/E ratio of 4.5x. Average trailing P/E is 4x in the Banks industry in Kenya. Total returns to shareholders of 142% over the past three years.
New Risk • Jan 15New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Kenyan stocks, typically moving 7.9% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (7.9% average weekly change). Market cap is less than US$100m (KSh2.89b market cap, or US$22.3m).
Valuation Update With 7 Day Price Move • Jan 08Investor sentiment improves as stock rises 18%After last week's 18% share price gain to KSh5.30, the stock trades at a trailing P/E ratio of 3.2x. Average trailing P/E is 4x in the Banks industry in Kenya. Total returns to shareholders of 63% over the past three years.
Reported Earnings • Dec 01Third quarter 2024 earnings releasedThird quarter 2024 results: Revenue: KSh836.0m (down 8.9% from 3Q 2023). Net income: KSh217.2m (up 300% from 3Q 2023). Profit margin: 26% (up from 5.9% in 3Q 2023). The increase in margin was driven by lower expenses.
Reported Earnings • Aug 26Second quarter 2024 earnings released: EPS: KSh0.30 (vs KSh0.26 in 2Q 2023)Second quarter 2024 results: EPS: KSh0.30 (up from KSh0.26 in 2Q 2023). Revenue: KSh927.0m (up 7.7% from 2Q 2023). Net income: KSh115.9m (up 18% from 2Q 2023). Profit margin: 13% (up from 12% in 2Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 112% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth.
Valuation Update With 7 Day Price Move • Jul 22Investor sentiment improves as stock rises 16%After last week's 16% share price gain to KSh4.79, the stock trades at a trailing P/E ratio of 4x. Average trailing P/E is 4x in the Banks industry in Kenya. Total returns to shareholders of 20% over the past three years.
Board Change • May 27High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Non Independent & Non Executive Director Tom Gitogo was the last director to join the board, commencing their role in 2023. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
Valuation Update With 7 Day Price Move • May 09Investor sentiment improves as stock rises 15%After last week's 15% share price gain to KSh4.38, the stock trades at a trailing P/E ratio of 4.3x. Average trailing P/E is 4x in the Banks industry in Kenya. Total returns to shareholders of 9.5% over the past three years.
공고 • May 08HF Group Plc, Annual General Meeting, May 28, 2024HF Group Plc, Annual General Meeting, May 28, 2024, at 11:00 E. Africa Standard Time.
New Risk • Apr 24New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Kenyan stocks, typically moving 9.6% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (9.6% average weekly change). Minor Risk Market cap is less than US$100m (KSh1.43b market cap, or US$10.7m).
New Risk • Oct 09New major risk - Market cap sizeThe company's market capitalization is less than US$10m. Market cap: KSh1.48b (US$9.94m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risk Market cap is less than US$10m (KSh1.48b market cap, or US$9.94m). Minor Risk Share price has been volatile over the past 3 months (8.2% average weekly change).
Reported Earnings • Sep 05Second quarter 2023 earnings releasedSecond quarter 2023 results: Revenue: KSh860.4m (up 22% from 2Q 2022). Net income: KSh98.7m (up KSh83.0m from 2Q 2022). Profit margin: 12% (up from 2.2% in 2Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 87% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Jun 04First quarter 2023 earnings released: EPS: KSh0.87 (vs KSh0.36 in 1Q 2022)First quarter 2023 results: EPS: KSh0.87 (up from KSh0.36 in 1Q 2022). Revenue: KSh802.3m (up 12% from 1Q 2022). Net income: KSh83.3m (up 144% from 1Q 2022). Profit margin: 10% (up from 4.8% in 1Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 97% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
Price Target Changed • Apr 27Price target decreased to KSh3.79Down from KSh41.03, the current price target is provided by 1 analyst. New target price is 25% above last closing price of KSh3.03. Stock is down 20% over the past year. The company is forecast to post a net loss per share of KSh1.98 next year compared to a net loss per share of KSh4.44 last year.
Is New 90 Day High Low • Nov 12New 90-day low: KSh3.60The company is down 10.0% from its price of KSh4.00 on 14 August 2020. The Kenyan market is up 9.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is up 2.0% over the same period.
Is New 90 Day High Low • Oct 16New 90-day low: KSh3.63The company is down 9.0% from its price of KSh4.00 on 17 July 2020. The Kenyan market is up 6.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Mortgage industry, which is down 8.0% over the same period.