CRDB Bank Plc

DAR:CRDB Stock Report

Market Cap: TSh1.7t

CRDB Bank Past Earnings Performance

Past criteria checks 5/6

CRDB Bank has been growing earnings at an average annual rate of 30.2%, while the Banks industry saw earnings growing at 38.6% annually. Revenues have been growing at an average rate of 17.1% per year. CRDB Bank's return on equity is 26.6%, and it has net margins of 37%.

Key information

30.2%

Earnings growth rate

30.2%

EPS growth rate

Banks Industry Growth31.8%
Revenue growth rate17.1%
Return on equity26.6%
Net Margin37.0%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How CRDB Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DAR:CRDB Revenue, expenses and earnings (TZS Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 241,492,989553,139468,8160
30 Jun 241,422,585519,686461,4190
31 Mar 241,325,250460,076343,8330
31 Dec 231,243,922424,690440,9740
30 Sep 231,162,434375,276563,4960
30 Jun 231,104,444357,358554,3580
31 Mar 231,067,271351,243305,1290
31 Dec 221,052,511351,407390,3460
30 Sep 221,057,255357,171501,4140
30 Jun 221,039,504353,602500,0570
31 Mar 22975,135315,611501,0200
31 Dec 21900,715268,161503,2710
30 Sep 21813,819212,404366,1810
30 Jun 21759,133183,408363,8500
31 Mar 21738,890175,683363,2710
31 Dec 20735,635165,186478,3380
30 Sep 20719,624148,337359,8550
30 Jun 20717,578129,463279,9800
31 Mar 20700,739121,887276,5460
31 Dec 19631,445120,145330,4650
30 Sep 19627,876104,041316,0390
30 Jun 19603,50695,887308,7090
31 Mar 19589,36485,697220,0650
31 Dec 18527,99764,132268,9670
30 Sep 18478,74333,868277,9840
30 Jun 18470,44825,500275,7130
31 Mar 18467,81019,638198,4760
31 Dec 17453,04236,212269,6810
30 Sep 17491,19759,831264,5250
30 Jun 17477,72048,156266,1760
31 Mar 17497,98162,918261,1040
31 Dec 16501,48869,577255,1570
30 Sep 16529,94994,146235,2590
30 Jun 16551,732129,835218,7060
31 Mar 16532,899128,608216,6840
31 Dec 15508,868128,978207,6300
30 Sep 15473,828127,483183,7890
30 Jun 15448,123120,159177,3720
31 Mar 15415,408109,209170,5110
31 Dec 14387,50195,645166,1530
30 Sep 14376,19292,398152,7240
30 Jun 14345,53181,956143,5670
31 Mar 14340,06685,727134,6370
31 Dec 13325,42184,378128,3660

Quality Earnings: CRDB has high quality earnings.

Growing Profit Margin: CRDB's current net profit margins (37%) are higher than last year (32.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CRDB's earnings have grown significantly by 30.2% per year over the past 5 years.

Accelerating Growth: CRDB's earnings growth over the past year (47.4%) exceeds its 5-year average (30.2% per year).

Earnings vs Industry: CRDB earnings growth over the past year (47.4%) exceeded the Banks industry 22.4%.

Return on Equity

High ROE: Whilst CRDB's Return on Equity (26.65%) is high, this metric is skewed due to their high level of debt.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/26 09:42
End of Day Share Price 2024/12/24 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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 here.

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 .

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