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KCB Group PLCNASE:KCB Stock Report

Market Cap KSh208.9b
Share Price
KSh65.00
My Fair Value
n/a
1Y65.6%
7D-4.1%
Portfolio Value
​
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KCB Group PLC

NASE:KCB Stock Report

Market Cap: KSh208.9b

KCB Group (KCB) Stock Overview

Provides corporate, investment, and retail banking services in Kenya, Tanzania, South Sudan, Rwanda, Uganda, Burundi, and the Democratic Republic of Congo. More details

KCB fundamental analysis
Snowflake Score
Valuation3/6
Future Growth1/6
Past Performance6/6
Financial Health4/6
Dividends4/6

Rewards

Price-To-Earnings ratio (3.3x) is below the KE market (6.5x)

Revenue is forecast to grow 12.24% per year

Earnings grew by 25.5% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Unstable dividend track record


KCB Community Fair Values

Create Narrative

See what 74 others think this stock is worth. Follow their fair value or set your own to get alerts.

KCB logo
KCB Group

Accelerating Digital Adoption And African Trade Will Ignite Growth

Key Takeaways Aggressive digital innovation and ecosystem development are set to drive rapid customer growth, efficiency gains, and sector-leading margins across underbanked and urbanizing regions. Deep regional expansion, trade facilitation, and sustainability initiatives position the group to capture outsized returns in emerging markets and the evolving green economy.
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KSh94.23
FV
31.0% undervalued intrinsic discount
11.76%
Revenue growth p.a.
0users have liked this narrative
1users have commented on this narrative
9users have followed this narrative
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KCB Group

Digital Banking Channels Will Transform East Africa

Key Takeaways Digital innovation and regional expansion into underbanked urban markets enhance customer growth, revenue diversification, and support sustainable margin improvement. Strategic focus on green finance, SME and retail banking, and economic integration boosts access to new income streams and strengthens long-term earnings potential.
View narrative
KSh63.5
FV
2.4% overvalued intrinsic discount
13.83%
Revenue growth p.a.
2users have liked this narrative
0users have commented on this narrative
31users have followed this narrative
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KCB Group

Rising Geopolitical And Fintech Risks Will Undermine Future Prospects

Key Takeaways Geopolitical instability, currency volatility, and rising compliance demands threaten KCB's asset quality, revenue growth, and cost efficiency across its regional operations. Intensifying fintech competition and slow digital innovation risk eroding KCB's market share, fee income, and long-term earnings potential.
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KSh44
FV
47.7% overvalued intrinsic discount
12.25%
Revenue growth p.a.
0users have liked this narrative
1users have commented on this narrative
1users have followed this narrative
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KCB Group PLC Competitors

Price History & Performance

Summary of share price highs, lows and changes for KCB Group
Historical stock prices
Current Share PriceKSh65.00
52 Week HighKSh72.50
52 Week LowKSh35.00
Beta0.55
1 Month Change14.04%
3 Month Change19.27%
1 Year Change65.61%
3 Year Change74.26%
5 Year Change74.73%
Change since IPO862.96%

Recent News & Updates

Digital Banking Channels Will Transform East Africa

Key Takeaways Digital innovation and regional expansion into underbanked urban markets enhance customer growth, revenue diversification, and support sustainable margin improvement. Strategic focus on green finance, SME and retail banking, and economic integration boosts access to new income streams and strengthens long-term earnings potential.

Recent updates

Digital Banking Channels Will Transform East Africa

Key Takeaways Digital innovation and regional expansion into underbanked urban markets enhance customer growth, revenue diversification, and support sustainable margin improvement. Strategic focus on green finance, SME and retail banking, and economic integration boosts access to new income streams and strengthens long-term earnings potential.

Shareholder Returns

KCBKE BanksKE Market
7D-4.1%-2.1%-1.4%
1Y65.6%55.3%69.2%

Return vs Industry: KCB exceeded the KE Banks industry which returned 55.3% over the past year.

Return vs Market: KCB underperformed the KE Market which returned 69.2% over the past year.

Price Volatility

Is KCB's price volatile compared to industry and market?
KCB volatility
KCB Average Weekly Movement3.8%
Banks Industry Average Movement4.5%
Market Average Movement5.7%
10% most volatile stocks in KE Market8.3%
10% least volatile stocks in KE Market3.0%

Stable Share Price: KCB has not had significant price volatility in the past 3 months compared to the KE market.

Volatility Over Time: KCB's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
189611,063Paul Russokcbgroup.com

KCB Group PLC, together with its subsidiaries, provides corporate, investment, and retail banking services in Kenya, Tanzania, South Sudan, Rwanda, Uganda, Burundi, and the Democratic Republic of Congo. It operates through four segments: Corporate Banking, Retail Banking, Treasury, and Mortgages. The company offers current accounts, savings and fixed deposits, consumer loans, and mortgages-based lending products to individuals.

KCB Group PLC Fundamentals Summary

How do KCB Group's earnings and revenue compare to its market cap?
KCB fundamental statistics
Market capKSh208.88b
Earnings (TTM)KSh62.44b
Revenue (TTM)KSh178.45b
3.3x
P/E Ratio
0.7x
P/B Ratio

Is KCB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
KCB income statement (TTM)
RevenueKSh178.45b
Cost of RevenueKSh0
Gross ProfitKSh178.45b
Other ExpensesKSh116.01b
EarningsKSh62.44b

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

Nov 19, 2025

Earnings per share (EPS)19.43
Gross Margin100.00%
Net Profit Margin34.99%
Debt/Equity Ratio25.2%

How did KCB perform over the long term?

See historical performance and comparison

Dividends

6.2%
Current Dividend Yield
18%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/11/18 18:01
End of Day Share Price 2025/11/18 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

KCB Group PLC is covered by 8 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Timothy WambuAbsa Bank Limited
Jaap MeijerArqaam Capital Research Offshore S.A.L.
Craig MetherellAvior Capital Markets