KCB Group PLC, together with its subsidiaries, provides corporate, investment, and retail banking services in Kenya, Tanzania, South Sudan, Uganda, Rwanda, and Burundi.
Price History & Performance
|Historical stock prices|
|Current Share Price||KSh44.45|
|52 Week High||KSh35.05|
|52 Week Low||KSh50.75|
|1 Month Change||-7.30%|
|3 Month Change||-0.22%|
|1 Year Change||19.33%|
|3 Year Change||14.71%|
|5 Year Change||63.12%|
|Change since IPO||558.52%|
Recent News & Updates
|KCB||KE Banks||KE Market|
Return vs Industry: KCB exceeded the KE Banks industry which returned 17.2% over the past year.
Return vs Market: KCB underperformed the KE Market which returned 28.2% over the past year.
Stable Share Price: KCB is less volatile than 75% of KE stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: KCB's weekly volatility (2%) has been stable over the past year.
About the Company
KCB Group PLC, together with its subsidiaries, provides corporate, investment, and retail banking services in Kenya, Tanzania, South Sudan, Uganda, Rwanda, and Burundi. The company operates through Retail Banking, Corporate Banking, Mortgages, Treasury, and Other segments. The Retail Banking segment offers customer current accounts, savings and fixed deposits, consumer loans, and mortgages based lending products to individuals.
KCB Group Fundamentals Summary
|KCB fundamental statistics|
Is KCB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|KCB income statement (TTM)|
|Cost of Revenue||KSh0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||8.50|
|Net Profit Margin||34.66%|
How did KCB perform over the long term?See historical performance and comparison
2.2%Current Dividend Yield
Is KCB Group 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: KCB (KES44.45) is trading above our estimate of fair value (KES34.61)
Significantly Below Fair Value: KCB is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: KCB is good value based on its PE Ratio (5.2x) compared to the KE Banks industry average (6.1x).
PE vs Market: KCB is good value based on its PE Ratio (5.2x) compared to the KE market (6.7x).
Price to Earnings Growth Ratio
PEG Ratio: KCB is good value based on its PEG Ratio (0.3x)
Price to Book Ratio
PB vs Industry: KCB is overvalued based on its PB Ratio (0.9x) compared to the KE Banks industry average (0.8x).
How is KCB Group forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: KCB's forecast earnings growth (15.7% per year) is above the savings rate (12.6%).
Earnings vs Market: KCB's earnings (15.7% per year) are forecast to grow faster than the KE market (13.8% per year).
High Growth Earnings: KCB's earnings are forecast to grow, but not significantly.
Revenue vs Market: KCB's revenue (12.7% per year) is forecast to grow faster than the KE market (9.5% per year).
High Growth Revenue: KCB's revenue (12.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: KCB's Return on Equity is forecast to be high in 3 years time (20.5%)
How has KCB Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: KCB has a high level of non-cash earnings.
Growing Profit Margin: KCB's current net profit margins (34.7%) are higher than last year (27.1%).
Past Earnings Growth Analysis
Earnings Trend: KCB's earnings have grown by 2.3% per year over the past 5 years.
Accelerating Growth: KCB's earnings growth over the past year (36.5%) exceeds its 5-year average (2.3% per year).
Earnings vs Industry: KCB earnings growth over the past year (36.5%) exceeded the Banks industry -5.6%.
Return on Equity
High ROE: KCB's Return on Equity (17.9%) is considered low.
How is KCB Group'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: KCB's Assets to Equity ratio (6.7x) is low.
Allowance for Bad Loans: KCB has a low allowance for bad loans (67%).
Low Risk Liabilities: 92% of KCB's liabilities are made up of primarily low risk sources of funding.
Loan Level: KCB has an appropriate level of Loans to Assets ratio (59%).
Low Risk Deposits: KCB's Loans to Deposits ratio (76%) is appropriate.
Level of Bad Loans: KCB has a high level of bad loans (15.8%).
What is KCB Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: KCB's dividend (2.25%) isn’t notable compared to the bottom 25% of dividend payers in the KE market (4.16%).
High Dividend: KCB's dividend (2.25%) is low compared to the top 25% of dividend payers in the KE market (7.89%).
Stability and Growth of Payments
Stable Dividend: KCB's dividend payments have been volatile in the past 10 years.
Growing Dividend: KCB's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (11.8%), KCB's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: KCB's dividends in 3 years are forecast to be well covered by earnings (38.7% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Joshua Oigara (45 yo)
Mr. Joshua Nyamweya Oigara, CBS has been the Group Chief Executive Officer and Executive Director of KCB Group Plc January 1, 2013 and also serves as its Managing Director. Mr. Oigara serves as Group Chie...
CEO Compensation Analysis
Compensation vs Market: Joshua's total compensation ($USD1.05M) is about average for companies of similar size in the KE market ($USD944.32K).
Compensation vs Earnings: Joshua's compensation has been consistent with company performance over the past year.
Experienced Management: KCB's management team is considered experienced (4.3 years average tenure).
Experienced Board: KCB's board of directors are considered experienced (7.3 years average tenure).
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.
KCB Group PLC's employee growth, exchange listings and data sources
- Name: KCB Group PLC
- Ticker: KCB
- Exchange: NASE
- Founded: 1896
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: KSh142.838b
- Shares outstanding: 3.21b
- Website: https://kcbgroup.com
Number of Employees
- KCB Group PLC
- Kencom House
- Moi Avenue
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/21 18:07|
|End of Day Share Price||2021/10/21 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.