Stanbic Holdings Plc, together with its subsidiaries, engages in banking, insurance agency, and stock broking businesses primarily in Kenya and South Sudan.
Stanbic Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||KSh90.00|
|52 Week High||KSh72.25|
|52 Week Low||KSh99.00|
|1 Month Change||-1.10%|
|3 Month Change||2.86%|
|1 Year Change||7.14%|
|3 Year Change||-0.55%|
|5 Year Change||25.00%|
|Change since IPO||825.71%|
Recent News & Updates
|SBIC||KE Banks||KE Market|
Return vs Industry: SBIC underperformed the KE Banks industry which returned 17.2% over the past year.
Return vs Market: SBIC underperformed the KE Market which returned 28.2% over the past year.
Stable Share Price: SBIC is not significantly more volatile than the rest of KE stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: SBIC's weekly volatility (6%) has been stable over the past year.
About the Company
Stanbic Holdings Plc, together with its subsidiaries, engages in banking, insurance agency, and stock broking businesses primarily in Kenya and South Sudan. The company operates through Corporate and Investment Banking, and Personal and Business Banking segments. It offers savings and current accounts, business calls accounts, and fixed and call deposits; home, personal unsecured, and vacant land loans, as well as vehicle and asset finance, and construction financing; business overdrafts, invoice discounting, business revolving credit, business term loans, commercial property loan, and SME trader loans; credit and debit cards; digital banking services; residential accommodation loans; and instalment sales and finance leases.
Stanbic Holdings Fundamentals Summary
|SBIC fundamental statistics|
Is SBIC overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SBIC income statement (TTM)|
|Cost of Revenue||KSh0|
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
|Earnings per share (EPS)||13.13|
|Net Profit Margin||28.28%|
How did SBIC perform over the long term?See historical performance and comparison
3.8%Current Dividend Yield
Is Stanbic Holdings 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: SBIC (KES90) is trading above our estimate of fair value (KES4.71)
Significantly Below Fair Value: SBIC is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: SBIC is poor value based on its PE Ratio (6.9x) compared to the KE Banks industry average (6.1x).
PE vs Market: SBIC is poor value based on its PE Ratio (6.9x) compared to the KE market (6.7x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate SBIC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: SBIC is good value based on its PB Ratio (0.7x) compared to the KE Banks industry average (0.8x).
How is Stanbic Holdings 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 SBIC's forecast earnings growth is above the savings rate (12.6%).
Earnings vs Market: Insufficient data to determine if SBIC's earnings are forecast to grow faster than the KE market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: SBIC's revenue (15.8% per year) is forecast to grow faster than the KE market (9.5% per year).
High Growth Revenue: SBIC's revenue (15.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SBIC's Return on Equity is forecast to be low in 3 years time (12.3%).
How has Stanbic Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SBIC has high quality earnings.
Growing Profit Margin: SBIC's current net profit margins (28.3%) are lower than last year (29.6%).
Past Earnings Growth Analysis
Earnings Trend: SBIC's earnings have grown by 4.7% per year over the past 5 years.
Accelerating Growth: SBIC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: SBIC had negative earnings growth (-18.5%) over the past year, making it difficult to compare to the Banks industry average (-5.6%).
Return on Equity
High ROE: SBIC's Return on Equity (10%) is considered low.
How is Stanbic Holdings'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: SBIC's Assets to Equity ratio (6.4x) is low.
Allowance for Bad Loans: SBIC has a low allowance for bad loans (63%).
Low Risk Liabilities: 93% of SBIC's liabilities are made up of primarily low risk sources of funding.
Loan Level: SBIC has an appropriate level of Loans to Assets ratio (49%).
Low Risk Deposits: SBIC's Loans to Deposits ratio (63%) is appropriate.
Level of Bad Loans: SBIC has a high level of bad loans (16.2%).
What is Stanbic Holdings's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SBIC's dividend (3.78%) isn’t notable compared to the bottom 25% of dividend payers in the KE market (4.16%).
High Dividend: SBIC's dividend (3.78%) is low compared to the top 25% of dividend payers in the KE market (7.89%).
Stability and Growth of Payments
Stable Dividend: SBIC's dividend payments have been volatile in the past 10 years.
Growing Dividend: SBIC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (28.9%), SBIC's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SBIC's dividends in 3 years are forecast to be well covered by earnings (38.8% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Patrick Mweheire (50 yo)
Mr. Patrick M. Mweheire, BSc, MBA, has been Chief Executive and Director at Stanbic Holdings Plc since March 3, 2020. He serves as Non-executive Director of Stanbic Bank Tanzania Limited since July 24, 202...
Experienced Management: SBIC's management team is considered experienced (4.8 years average tenure).
Experienced Board: SBIC's board of directors are considered experienced (3.8 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.
Stanbic Holdings Plc's employee growth, exchange listings and data sources
- Name: Stanbic Holdings Plc
- Ticker: SBIC
- Exchange: NASE
- Founded: NaN
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: KSh35.579b
- Shares outstanding: 395.32m
- Website: https://www.stanbicbank.co.ke
Number of Employees
- Stanbic Holdings Plc
- Stanbic Bank Centre
- Chiromo Road
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/21 14:02|
|End of Day Share Price||2021/10/19 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.