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CRDB Bank Plc

DAR:CRDB Stock Report

Market Cap: TSh2.6t

CRDB Bank (CRDB) Stock Overview

Provides corporate and retail banking services for individuals, small and medium enterprises (SME), corporates, and high net worth individuals in the United Republic of Tanzania, the Republic of Burundi, and the Democratic Republic of Congo. More details

CRDB fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance5/6
Financial Health4/6
Dividends4/6

Rewards

Price-To-Earnings ratio (4.7x) is below the TZ market (12.8x)

Earnings grew by 30.6% over the past year

Risk Analysis

Unstable dividend track record


CRDB Community Fair Values

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CRDB Bank Plc Competitors

Price History & Performance

Summary of share price highs, lows and changes for CRDB Bank
Historical stock prices
Current Share PriceTSh1,000.00
52 Week HighTSh1,010.00
52 Week LowTSh540.00
Beta0.24
1 Month Change26.58%
3 Month Change26.58%
1 Year Change81.82%
3 Year Change153.16%
5 Year Change614.29%
Change since IPO455.56%

Recent News & Updates

Recent updates

Shareholder Returns

CRDBTZ BanksTZ Market
7D14.3%8.3%3.8%
1Y81.8%48.7%12.5%

Return vs Industry: CRDB exceeded the TZ Banks industry which returned 48.6% over the past year.

Return vs Market: CRDB exceeded the TZ Market which returned 13% over the past year.

Price Volatility

Is CRDB's price volatile compared to industry and market?
CRDB volatility
CRDB Average Weekly Movement3.4%
Banks Industry Average Movement3.9%
Market Average Movement4.3%
10% most volatile stocks in TZ Market7.4%
10% least volatile stocks in TZ Market1.4%

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

Volatility Over Time: CRDB's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19964,251Abdulmajid Nsekelawww.crdbbank.co.tz

CRDB Bank Plc, together with its subsidiaries, provides corporate and retail banking services for individuals, small and medium enterprises (SME), corporates, and high net worth individuals in the United Republic of Tanzania, the Republic of Burundi, and the Democratic Republic of Congo. It operates through Corporate Banking, Retail Banking, and Treasury segments. The company offers current, malkia, savings, junior jumbo, call, fixed deposit, salary, bidii, Hodari, teen, niamoja, pension, and scholar accounts; personal and salary advance loans; SME, MSE, malkia, and komboa loans; debit cards; short- and long-term loans; and trade finance, overdraft facilities, contract financing for construction, asset-based financing, utility services, general business, and agricultural based project financing.

CRDB Bank Plc Fundamentals Summary

How do CRDB Bank's earnings and revenue compare to its market cap?
CRDB fundamental statistics
Market capTSh2.61t
Earnings (TTM)TSh554.44b
Revenue (TTM)TSh1.52t
4.7x
P/E Ratio
1.2x
P/B Ratio

Is CRDB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CRDB income statement (TTM)
RevenueTSh1.52t
Cost of RevenueTSh7.77b
Gross ProfitTSh1.51t
Other ExpensesTSh955.13b
EarningsTSh554.44b

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)212.28
Gross Margin99.49%
Net Profit Margin36.54%
Debt/Equity Ratio141.3%

How did CRDB perform over the long term?

See historical performance and comparison

Dividends

6.5%
Current Dividend Yield
31%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/07/14 15:48
End of Day Share Price 2025/07/14 00:00
Earnings2024/12/31
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

CRDB Bank Plc is covered by 5 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Francis MwangiAfrican Alliance
Judd MurigiAfrican Alliance
Muammar IsmailyEFG-Hermes Research