Stanbic Uganda Holdings Limited provides various banking products and services to individual customers, and small and medium sized enterprises in Uganda.
Price History & Performance
|Historical stock prices|
|Current Share Price||USh26.00|
|52 Week High||USh22.00|
|52 Week Low||USh28.00|
|1 Month Change||-0.73%|
|3 Month Change||-3.70%|
|1 Year Change||8.33%|
|3 Year Change||-20.00%|
|5 Year Change||4.00%|
|Change since IPO||-7.14%|
Recent News & Updates
|SBU||UG Banks||UG Market|
Return vs Industry: SBU underperformed the UG Banks industry which returned 29.1% over the past year.
Return vs Market: SBU exceeded the UG Market which returned -0.1% over the past year.
Stable Share Price: SBU is not significantly more volatile than the rest of UG stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: SBU's weekly volatility (2%) has been stable over the past year.
About the Company
Stanbic Uganda Holdings Limited provides various banking products and services to individual customers, and small and medium sized enterprises in Uganda. The company operates through Personal and Business Banking, Corporate and Investment Banking, and Treasury and Capital Management segments. It offers current, trader, student, fixed deposit, NGO, and SACCO accounts; unsecured personal, home, building, equity release, import/export, and term loans; letters of credit, avalisation, invoice discounting, bills for collection, custody, fiscal and facility agency, equity and debt capital market, advisory, vehicle and asset finance, and syndication products and services; and bid, advance payment, and performance guarantee products.
Stanbic Uganda Holdings Fundamentals Summary
|SBU fundamental statistics|
Is SBU overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SBU income statement (TTM)|
|Cost of Revenue||USh0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||5.26|
|Net Profit Margin||33.87%|
How did SBU perform over the long term?See historical performance and comparison
7.2%Current Dividend Yield
Is Stanbic Uganda Holdings undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SBU (UGX26) is trading below our estimate of fair value (UGX27.8)
Significantly Below Fair Value: SBU is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: SBU is good value based on its PE Ratio (4.9x) compared to the African Banks industry average (6.5x).
PE vs Market: SBU's PE Ratio (4.9x) is in line with the UG market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate SBU's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: SBU's PB Ratio (0.9x) is in line with the XF Banks industry average.
How is Stanbic Uganda 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 SBU's forecast earnings growth is above the savings rate (9.1%).
Earnings vs Market: Insufficient data to determine if SBU's earnings are forecast to grow faster than the UG market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: SBU's revenue (15.5% per year) is forecast to grow faster than the UG market (6.9% per year).
High Growth Revenue: SBU's revenue (15.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SBU's Return on Equity is forecast to be high in 3 years time (22.2%)
How has Stanbic Uganda Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SBU has high quality earnings.
Growing Profit Margin: SBU's current net profit margins (33.9%) are higher than last year (33.1%).
Past Earnings Growth Analysis
Earnings Trend: SBU's earnings have grown by 8.2% per year over the past 5 years.
Accelerating Growth: SBU's earnings growth over the past year (6.6%) is below its 5-year average (8.2% per year).
Earnings vs Industry: SBU earnings growth over the past year (6.6%) underperformed the Banks industry 11%.
Return on Equity
High ROE: SBU's Return on Equity (18.9%) is considered low.
How is Stanbic Uganda 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: SBU's Assets to Equity ratio (6.2x) is low.
Allowance for Bad Loans: SBU has a low allowance for bad loans (93%).
Low Risk Liabilities: 84% of SBU's liabilities are made up of primarily low risk sources of funding.
Loan Level: SBU has an appropriate level of Loans to Assets ratio (55%).
Low Risk Deposits: SBU's Loans to Deposits ratio (79%) is appropriate.
Level of Bad Loans: SBU has a high level of bad loans (4.6%).
What is Stanbic Uganda Holdings's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SBU's dividend (7.15%) is higher than the bottom 25% of dividend payers in the UG market (4.53%).
High Dividend: SBU's dividend (7.15%) is low compared to the top 25% of dividend payers in the UG market (7.92%).
Stability and Growth of Payments
Stable Dividend: SBU's dividend payments have been volatile in the past 10 years.
Growing Dividend: SBU's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (35.4%), SBU's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: SBU's dividends in 3 years are forecast to be covered by earnings (52.5% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Andrew Mashanda (50 yo)
Mr. Andrew Mashanda is CEO & Executive Director of Stanbic Uganda Holdings Limited from November 01, 2020. He joined the Stanbic Uganda Holdings Limited in 2020. He joined Standard Bank Group in 2006 and h...
Experienced Management: SBU's management team is not considered experienced ( 1.8 years average tenure), which suggests a new team.
Experienced Board: SBU's board of directors are not considered experienced ( 1.8 years average tenure), which suggests a new board.
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 Uganda Holdings Limited's employee growth, exchange listings and data sources
- Name: Stanbic Uganda Holdings Limited
- Ticker: SBU
- Exchange: UGSE
- Founded: 1906
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: USh1.331t
- Shares outstanding: 51.19b
- Website: https://www.stanbic.co.ug
Number of Employees
- Stanbic Uganda Holdings Limited
- Crested Towers
- Short Tower
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/17 16:01|
|End of Day Share Price||2021/10/15 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.