공시 • May 05
HF Group Plc, Annual General Meeting, May 26, 2026 HF Group Plc, Annual General Meeting, May 26, 2026, at 11:00 E. Africa Standard Time. Reported Earnings • Apr 09
Full 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 29
Third quarter 2025 earnings released Third 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 05
Second quarter 2025 earnings released Second 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 04
Investor 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 14
New minor risk - Share price stability The 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 13
Investor 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 30
New major risk - Shareholder dilution The 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 24
Full 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 19
Investor 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. 공시 • May 06
HF Group Plc, Annual General Meeting, May 28, 2025 HF Group Plc, Annual General Meeting, May 28, 2025, at 11:00 E. Africa Standard Time. New Risk • Mar 10
New major risk - Share price stability The 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 10
Investor 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 27
Investor 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 15
New minor risk - Share price stability The 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 08
Investor 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 01
Third quarter 2024 earnings released Third 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 26
Second 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 22
Investor 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 27
High number of new directors There 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 09
Investor 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. 공시 • May 08
HF Group Plc, Annual General Meeting, May 28, 2024 HF Group Plc, Annual General Meeting, May 28, 2024, at 11:00 E. Africa Standard Time. New Risk • Apr 24
New major risk - Share price stability The 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 09
New major risk - Market cap size The 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 05
Second quarter 2023 earnings released Second 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 04
First 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 27
Price target decreased to KSh3.79 Down 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 12
New 90-day low: KSh3.60 The 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 16
New 90-day low: KSh3.63 The 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.