Societe Generale Ghana PLC provides retail banking, corporate banking, investment banking, and other financial intermediation services in Ghana.
Societe Generale Ghana Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||GH₵1.20|
|52 Week High||GH₵0|
|52 Week Low||GH₵0|
|1 Month Change||5.26%|
|3 Month Change||26.32%|
|1 Year Change||84.62%|
|3 Year Change||21.21%|
|5 Year Change||94.45%|
|Change since IPO||3,726.29%|
Recent News & Updates
|SOGEGH||GH Banks||GH Market|
Return vs Industry: SOGEGH exceeded the GH Banks industry which returned 40.8% over the past year.
Return vs Market: SOGEGH exceeded the GH Market which returned 71.1% over the past year.
Stable Share Price: SOGEGH is more volatile than 75% of GH stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: SOGEGH's weekly volatility (6%) has been stable over the past year, but is still higher than 75% of GH stocks.
About the Company
Societe Generale Ghana PLC provides retail banking, corporate banking, investment banking, and other financial intermediation services in Ghana. The company operates through three segments: Retail Banking, Corporate Banking, and Treasury. The company offers current and savings accounts; consumer appliance, cash covered, home, institutional, school fees, and auto loans, as well as relief credit; cards; money transfers and safe deposit boxes; investment products; and mobile and internet banking services.
Societe Generale Ghana Fundamentals Summary
|SOGEGH fundamental statistics|
Is SOGEGH overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SOGEGH income statement (TTM)|
|Cost of Revenue||GH₵0|
Last Reported Earnings
Sep 30, 2020
Next Earnings Date
|Earnings per share (EPS)||0.20|
|Net Profit Margin||28.30%|
How did SOGEGH perform over the long term?See historical performance and comparison
9.5%Current Dividend Yield
Is Societe Generale Ghana undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: SOGEGH (GHS1.2) is trading above our estimate of fair value (GHS0.73)
Significantly Below Fair Value: SOGEGH is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: SOGEGH is poor value based on its PE Ratio (6.1x) compared to the GH Banks industry average (4.1x).
PE vs Market: SOGEGH is poor value based on its PE Ratio (6.1x) compared to the GH market (5.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate SOGEGH's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: SOGEGH is overvalued based on its PB Ratio (1x) compared to the GH Banks industry average (0.7x).
How is Societe Generale Ghana forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual revenue growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if SOGEGH's forecast earnings growth is above the savings rate (9.1%).
Earnings vs Market: Insufficient data to determine if SOGEGH's earnings are forecast to grow faster than the GH market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: SOGEGH's revenue (14.4% per year) is forecast to grow slower than the GH market (15.8% per year).
High Growth Revenue: SOGEGH's revenue (14.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SOGEGH's Return on Equity is forecast to be low in 3 years time (14.3%).
How has Societe Generale Ghana performed over the past 5 years?
Last years earnings growth
Earnings and Revenue History
Quality Earnings: SOGEGH has a high level of non-cash earnings.
Growing Profit Margin: SOGEGH's current net profit margins (28.3%) are higher than last year (22.2%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if SOGEGH's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare SOGEGH's past year earnings growth to its 5-year average.
Earnings vs Industry: SOGEGH earnings growth over the past year (49.7%) exceeded the Banks industry 32.6%.
Return on Equity
High ROE: SOGEGH's Return on Equity (15.6%) is considered low.
How is Societe Generale Ghana's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: SOGEGH's Assets to Equity ratio (5.7x) is low.
Allowance for Bad Loans: Insufficient data to determine if SOGEGH has a sufficient allowance for bad loans.
Low Risk Liabilities: 81% of SOGEGH's liabilities are made up of primarily low risk sources of funding.
Loan Level: SOGEGH has an appropriate level of Loans to Assets ratio (52%).
Low Risk Deposits: SOGEGH's Loans to Deposits ratio (78%) is appropriate.
Level of Bad Loans: Insufficient data to determine if SOGEGH has an appropriate level of bad loans.
What is Societe Generale Ghana current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SOGEGH's dividend (9.5%) is higher than the bottom 25% of dividend payers in the GH market (4.7%).
High Dividend: SOGEGH's dividend (9.5%) is in the top 25% of dividend payers in the GH market (8.17%)
Stability and Growth of Payments
Stable Dividend: SOGEGH's dividend payments have been volatile in the past 10 years.
Growing Dividend: SOGEGH's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (16.7%), SOGEGH's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SOGEGH's dividends in 3 years are forecast to be well covered by earnings (49.9% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Hakim Ouzzani (52 yo)
Mr. Hakim Ouzzani serves as Managing Director of Societe Generale Ghana PLC and also has been its Director since January 23, 2017. Mr. Ouzzani serves as the Senior Executive Regional Manager with Societe G...
Experienced Board: SOGEGH's board of directors are not considered experienced ( 2.2 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Societe Generale Ghana PLC's employee growth, exchange listings and data sources
- Name: Societe Generale Ghana PLC
- Ticker: SOGEGH
- Exchange: GHSE
- Founded: 1975
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: GH₵850.970m
- Shares outstanding: 709.14m
- Website: https://www.societegenerale.com.gh
- Societe Generale Ghana PLC
- Ring Road Central
- 2nd Crescent, Royalt Castle Road
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/21 17:04|
|End of Day Share Price||2021/10/20 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.