CRDB Bank Plc

DAR:CRDB Stock Report

Market Cap: TSh7.7t

CRDB Bank Future Growth

Future criteria checks 0/6

We currently don't have sufficient analyst coverage to forecast growth and revenue for CRDB Bank.

Key information

n/a

Earnings growth rate

n/a

EPS growth rate

Banks earnings growth12.4%
Revenue growth raten/a
Future return on equityn/a
Analyst coverage

None

Last updatedn/a

Recent future growth updates

Recent updates

Critical analysis of CRDB Bank Tanzania (DSE: CRDB).CRDB Bank Tanzania — Critical Investment Analysis

CRDB Bank Tanzania — Critical Investment Analysis Current Stock Snapshot (April 2026) CRDB is currently trading at TZS 2,840 on the Dar es Salaam Stock Exchange, with a market cap of approximately TZS 7.42 trillion and 2.61 billion shares outstanding.  Over the past 52 weeks, the share has ranged from TZS 790 to TZS 3,140 — a staggering 243% one-year gain.

CRDB Bank's Earnings expected to grow 24.55% C.A.G.R to 2030

CRDB's Net Operating Income is projected to grow 21.96% YoY between 2026 - 2030, driven by strong credit appetite from Tanzania and Burundi, and exponential revenue growth from newly issued subsidiaries CRDB Insurance and CRDB Congo, as well as robust non-funded income growth from its digital platforms as usage continues to surge, and diversification towards other financial services solidifies. A positive jaws between gross income and operating expense growth expected to hold during the projected period as subsidiaries become more profitable and staff productivity continues to surge resulting in a projected earnings growth of 24.55% C.A.G.R between 2026 - 2030.

A 30% ROE Bank Trading at 6x Earnings

CRDB Bank delivered a strong Q3 2025 performance with profit after tax of TZS 506.1 billion (9-month cumulative), representing a 27% YoY growth. At the current market price of TZS 1,170 per share , the stock appears moderately valued with a P/E ratio of 15.73 and solid fundamentals supporting continued growth.

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as CRDB Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

Earnings and Revenue Growth Forecasts

DAR:CRDB - Analysts future estimates and past financials data (TZS Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/20251,831,863724,608-4,404,428-4,257,638N/A
9/30/20251,775,315666,002-3,300,081-3,094,231N/A
6/30/20251,694,968625,907-2,175,471-2,036,131N/A
3/31/20251,615,664600,166-1,820,496-1,689,411N/A
12/31/20241,517,335554,442-1,255,195-1,143,802N/A
9/30/20241,492,989553,139-954,573-864,627N/A
6/30/20241,422,585519,686-1,156,997-1,079,087N/A
3/31/20241,325,250460,076-1,166,127-1,080,982N/A
12/31/20231,243,776424,690-891,832-779,576N/A
9/30/20231,162,434375,276-2,412,881-2,328,437N/A
6/30/20231,104,444357,358-2,410,045-2,322,946N/A
3/31/20231,067,271351,243-1,526,994-1,494,033N/A
12/31/20221,052,511351,407-2,408,395-2,335,232N/A
9/30/20221,057,255357,171-1,375,374-1,318,293N/A
6/30/20221,039,504353,602-1,691,600-1,625,810N/A
3/31/2022975,135315,611-1,531,000-1,416,362N/A
12/31/2021900,715268,161-1,020,813-946,135N/A
9/30/2021813,819212,404-618,475-525,516N/A
6/30/2021759,133183,408-77,0459,362N/A
3/31/2021738,890175,683-244,221-136,519N/A
12/31/2020735,635165,186-298,557-199,668N/A
9/30/2020719,624148,337-576,962-528,668N/A
6/30/2020717,578129,463-670,932-625,168N/A
3/31/2020700,739121,887-453,176-425,039N/A
12/31/2019631,445120,145-307,437-266,961N/A
9/30/2019627,876104,041N/A-226,413N/A
6/30/2019603,50695,887N/A-243,134N/A
3/31/2019589,36485,697N/A-375,967N/A
12/31/2018527,99764,132N/A-304,777N/A
9/30/2018478,74333,868N/A-381,293N/A
6/30/2018470,44825,500N/A-427,228N/A
3/31/2018467,81019,638N/A-45,478N/A
12/31/2017453,04236,212N/A32,867N/A
9/30/2017491,19759,831N/A594,447N/A
6/30/2017477,72048,156N/A498,048N/A
3/31/2017497,98162,918N/A367,200N/A
12/31/2016501,48869,577N/A294,036N/A
9/30/2016529,94994,146N/A-625,372N/A
6/30/2016551,732129,835N/A-862,940N/A
3/31/2016532,899128,608N/A-896,944N/A
12/31/2015508,868128,978N/A-855,206N/A
9/30/2015473,828127,483N/A-577,996N/A
6/30/2015448,123120,159N/A-246,990N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: Insufficient data to determine if CRDB's forecast earnings growth is above the savings rate (15.1%).

Earnings vs Market: Insufficient data to determine if CRDB's earnings are forecast to grow faster than the TZ market

High Growth Earnings: Insufficient data to determine if CRDB's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: Insufficient data to determine if CRDB's revenue is forecast to grow faster than the TZ market.

High Growth Revenue: Insufficient data to determine if CRDB's revenue is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if CRDB's Return on Equity is forecast to be high in 3 years time

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/04/15 17:27
End of Day Share Price 2026/04/15 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

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 2 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
Muammar IsmailyEFG-Hermes Research
James StarkeSBG Securities (Proprietary) Limited