KCB Stock Overview

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

KCB fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	1/6
Past Performance	6/6
Financial Health	4/6
Dividends	4/6

Rewards

Price-To-Earnings ratio (2.3x) is below the KE market (5.3x)

Revenue is forecast to grow 15.74% per year

Earnings grew by 66.1% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Unstable dividend track record

Community vs My Fair Value

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KCB Group PLC Competitors

Absa Bank Kenya

NASE:ABSA

KSh102.7b

Equity Group Holdings

NASE:EQTY

KSh177.0b

Standard Chartered Bank Kenya

NASE:SCBK

KSh115.0b

NCBA Group

NASE:NCBA

KSh85.3b

Price History & Performance

Summary of share price highs, lows and changes for KCB Group
Historical stock prices
Current Share Price	KSh42.50
52 Week High	KSh47.00
52 Week Low	KSh22.00
Beta	0.55
1 Month Change	-5.77%
3 Month Change	7.19%
1 Year Change	75.98%
3 Year Change	-3.74%
5 Year Change	21.26%
Change since IPO	529.63%

Recent updates

Shareholder Returns

	KCB	KE Banks	KE Market
7D	6.0%	-0.5%	-0.9%
1Y	76.0%	30.6%	25.8%

Return vs Industry: KCB exceeded the KE Banks industry which returned 30.6% over the past year.

Return vs Market: KCB exceeded the KE Market which returned 25.8% over the past year.

Price Volatility

Is KCB's price volatile compared to industry and market?
KCB volatility
KCB Average Weekly Movement	3.9%
Banks Industry Average Movement	4.2%
Market Average Movement	5.1%
10% most volatile stocks in KE Market	10.1%
10% least volatile stocks in KE Market	3.4%

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

Founded	Employees	CEO	Website
1896	9,611	Paul Russo	kcbgroup.com

KCB Group PLC, together with its subsidiaries, provides corporate, investment, and retail banking services in Kenya, Tanzania, SouthSudan, Rwanda, Uganda, Burundi, and the Democratic Republic of Congo. It operates through Corporate Banking, Retail Banking, Treasury, Mortgages, and Other segments. The company offers customer current accounts, savings and fixed deposits, consumer loans, and mortgage-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 cap	KSh136.41b
Earnings (TTM)	KSh60.09b
Revenue (TTM)	KSh174.92b

2.3x

P/E Ratio

0.5x

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)
Revenue	KSh174.92b
Cost of Revenue	KSh0
Gross Profit	KSh174.92b
Other Expenses	KSh114.83b
Earnings	KSh60.09b

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	18.70
Gross Margin	100.00%
Net Profit Margin	34.35%
Debt/Equity Ratio	31.3%

How did KCB perform over the long term?

See historical performance and comparison

Dividends

7.1%

Current Dividend Yield

16%

Payout Ratio

Does KCB pay a reliable dividends?

See KCB dividend history and benchmarks

When do you need to buy KCB by to receive an upcoming dividend?
KCB Group dividend dates
Ex Dividend Date	Apr 04 2025
Dividend Pay Date	May 23 2025
Days until Ex dividend	14 days
Days until Dividend pay date	63 days

Does KCB pay a reliable dividends?

See KCB dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/03/20 13:32
End of Day Share Price	2025/03/20 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 15 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.

Analyst	Institution
Timothy Wambu	Absa Bank Limited
Jaap Meijer	Arqaam Capital Research Offshore S.A.L.
Craig Metherell	Avior Capital Markets

KCB Stock Overview

Rewards

Risk Analysis

KCB Group PLC Competitors

NASE:ABSA

KSh102.7b

NASE:EQTY

KSh177.0b

NASE:SCBK

KSh115.0b

NASE:NCBA

KSh85.3b

Price History & Performance

Recent News & Updates

Full year 2024 earnings: EPS and revenues exceed analyst expectations

Price target increased by 14% to KSh49.42

KCB Group PLC to Report Q3, 2024 Results on Nov 20, 2024

Now 20% overvalued after recent price rise

Upcoming dividend of KSh1.50 per share

Second quarter 2024 earnings released: EPS: KSh4.31 (vs KSh1.90 in 2Q 2023)

Recent updates

Full year 2024 earnings: EPS and revenues exceed analyst expectations

Price target increased by 14% to KSh49.42

KCB Group PLC to Report Q3, 2024 Results on Nov 20, 2024

Now 20% overvalued after recent price rise

Upcoming dividend of KSh1.50 per share

Second quarter 2024 earnings released: EPS: KSh4.31 (vs KSh1.90 in 2Q 2023)

Now 21% undervalued

Consensus EPS estimates increase by 13%

Price target increased by 11% to KSh47.62

Now 20% overvalued after recent price rise

First quarter 2024 earnings released: EPS: KSh20.52 (vs KSh2.96 in 1Q 2023)

KCB Group PLC, Annual General Meeting, May 23, 2024

New minor risk - Share price stability

Full year 2023 earnings: EPS misses analyst expectations

Access Holdings Plc (NGSE:ACCESSCORP) agreed to acquire National Bank of Kenya Limited from KCB Group PLC (NASE:KCB).

Investor sentiment improves as stock rises 21%

Third quarter 2023 earnings released

Second quarter 2023 earnings released

Price target decreased by 13% to KSh56.61

Full year 2022 earnings released: EPS: KSh12.64 (vs KSh10.61 in FY 2021)

High number of new directors

Upcoming dividend of KSh1.00 per share at 5.5% yield

Price target increased by 13% to KSh73.55

Full year 2022 earnings released: EPS: KSh12.71 (vs KSh10.61 in FY 2021)

Investor sentiment deteriorates as stock falls 17%

Price target increased to KSh70.82

Upcoming dividend of KSh1.00 per share

High number of new directors

Second quarter 2022 earnings released

High number of new directors

KCB Group PLC (NASE:KCB) entered into a definitive agreement to acquire 85% stake in Trust Merchant Bank S.A.

Price target increased to KSh62.39

Full year 2021 earnings: EPS and revenues exceed analyst expectations

KCB Group PLC, Annual General Meeting, Jun 03, 2022

Now 21% undervalued after recent price drop

Upcoming dividend of KSh2.00 per share

Full year 2021 earnings: EPS and revenues exceed analyst expectations

Upcoming dividend of KSh1.00 per share

Third quarter 2021 earnings: EPS and revenues exceed analyst expectations

Second quarter 2021 earnings released: EPS KSh2.78 (vs KSh0.41 in 2Q 2020)

First quarter 2021 earnings released: EPS KSh1.98

KCB Group PLC Proposes First and Final Dividend, Payable on or Before 26 June 2021

Upcoming dividend of KSh1.00 per share

Consensus EPS estimates increase to KSh9.80

Full year 2020 earnings released: EPS KSh6.10 (vs KSh7.83 in FY 2019)

New 90-day high: KSh38.60

New 90-day high: KSh38.40

KCB Group PLC (NASE:KCB) entered into definitive agreement to acquire 62.1% stake in Banque Populaire du Rwanda S.A from Atlas Mara Limited (LSE:ATMA).

Third quarter 2020 earnings released: EPS KSh1.03

Revenue beats expectations, earnings disappoint

New 90-day high: KSh38.90

New 90-day high - KSh37.95

New 90-day low - KSh33.80

KCB Group PLC (NASE:KCB) completed the acquisition of National Bank of Kenya Limited (NASE:NBK).

Shareholder Returns

Price Volatility

About the Company

KCB Group PLC Fundamentals Summary

2.3x