Investrust Bank (LUSE:INVESTRUST) - Share price, News & Analysis

INVESTRUST fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	0/6
Financial Health	0/6
Dividends	0/6

INVESTRUST Overview

Investrust Bank Plc provides retail and commercial banking and related services.

Risk Analysis

Shares are highly illiquid

Has not reported any financial data

Does not have a meaningful market cap (ZMW122M)

Price History & Performance

Summary of all time highs, changes and price drops for Investrust Bank
Historical stock prices
Current Share Price	K15.00
52 Week High	K0
52 Week Low	K0
Beta	0
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	15.38%
Change since IPO	100.00%

Shareholder Returns

	INVESTRUST	ZM Banks	ZM Market
7D	0%	1.6%	0.4%
1Y	n/a	28.8%	88.6%

Return vs Industry: Insufficient data to determine how INVESTRUST performed against the ZM Banks industry.

Return vs Market: Insufficient data to determine how INVESTRUST performed against the ZM Market.

Price Volatility

Is INVESTRUST's price volatile compared to industry and market?
INVESTRUST volatility
INVESTRUST Beta	0
Industry Beta	0.68
Market Beta	1

Stable Share Price: Insufficient data to determine INVESTRUST's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine INVESTRUST's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1996	383	Simangolwa Shakalima	https://www.investrustbank.co.zm

Investrust Bank Plc provides retail and commercial banking and related services. The company operates through two segments, Retail and Operations, and Wholesale Banking. It offers various deposit products, including current/demand, cheque savers, foreign currency, fixed deposit, sole proprietor, business, and premium and wealth builder accounts, as well as club society, SME, and farmer accounts.

Investrust Bank Fundamentals Summary

How do Investrust Bank's earnings and revenue compare to its market cap?
INVESTRUST fundamental statistics
Market Cap	K122.48m
Earnings (TTM)	-K95.83m
Revenue (TTM)	K59.49m

0x

P/B Ratio

0x

P/S Ratio

Is INVESTRUST overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
INVESTRUST income statement (TTM)
Revenue	K59.49m
Cost of Revenue	K0
Gross Profit	K59.49m
Expenses	K155.31m
Earnings	-K95.83m

Last Reported Earnings

Dec 31, 2019

Next Earnings Date

n/a

Earnings per share (EPS)	0
Gross Margin	0.00%
Net Profit Margin	0.00%
Debt/Equity Ratio	0.0%

How did INVESTRUST perform over the long term?

See historical performance and comparison

Valuation

Is Investrust Bank undervalued compared to its fair value and its price relative to the market?

In this section, we usually try to help investors determine whether Investrust Bank is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Investrust Bank has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.

Future Growth

How is Investrust Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

19.2%

Forecasted Banks industry annual growth in earnings

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 Investrust 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.

Past Performance

How has Investrust Bank performed over the past 5 years?

7.2%

Historical Banks annual earnings growth

In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Investrust Bank has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.

Financial Health

How is Investrust Bank's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: Insufficient data to determine if INVESTRUST's has appropriate level of Assets to Equity ratio.

Allowance for Bad Loans: Insufficient data to determine if INVESTRUST has a sufficient allowance for bad loans.

Low Risk Liabilities: INVESTRUST reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.

Loan Level: Insufficient data to determine if INVESTRUST has an appropriate level of Loans to Assets ratio.

Low Risk Deposits: INVESTRUST reports no customer deposits, loans are made up entirely of externally borrowed funds.

Level of Bad Loans: Insufficient data to determine if INVESTRUST has an appropriate level of bad loans.

Dividend

What is Investrust Bank current dividend yield, its reliability and sustainability?

Dividend Yield vs Market

Notable Dividend: Unable to evaluate INVESTRUST's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate INVESTRUST's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.

Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if INVESTRUST's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if INVESTRUST's dividend payments have been increasing.

Current Payout to Shareholders

Dividend Coverage: INVESTRUST is not paying a notable dividend for the ZM market.

Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of INVESTRUST's dividend in 3 years as they are not forecast to pay a notable one for the ZM market.

Next Steps

Explore strong dividend paying companies in the Banks industry.

Management

How experienced are the management team and are they aligned to shareholders interests?

4.4yrs

Average management tenure

CEO

Simangolwa Shakalima

4.92yrs

Tenure

Mr. Simangolwa Shakalima has been Managing Director at Investrust Bank Plc since November 01, 2016 and serves as its Chief Executive Officer and Director. Mr. Shakalima has vast experience in the retail ba...

Leadership Team

Experienced Management: INVESTRUST's management team is considered experienced (4.4 years average tenure).

Board Members

Experienced Board: INVESTRUST's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.

Ownership

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.

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Data	Last Updated (UTC time)
Company Analysis	2021/10/19 17:51
End of Day Share Price	2021/08/06 00:00
Earnings	2019/12/31
Annual Earnings	2019/12/31

Market Cap

7D

1Y

Updated

Data