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SCBL

Standard Chartered Bank ZambiaLUSE:SCBL Stock Report

Market Cap

K2.0b

7D

0%

1Y

-21.5%

Updated

17 Oct, 2021

Data

Company Financials
SCBL fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance0/6
Financial Health5/6
Dividends0/6

SCBL Overview

Standard Chartered Bank Zambia Plc provides commercial, retail, and corporate and institutional banking products and services in Zambia.

Price History & Performance

Summary of all time highs, changes and price drops for Standard Chartered Bank Zambia
Historical stock prices
Current Share PriceK1.17
52 Week HighK0
52 Week LowK0
Beta0.19
1 Month Change0%
3 Month Change-6.40%
1 Year Change-21.48%
3 Year Change-56.67%
5 Year Change-36.76%
Change since IPO3,563.81%

Recent News & Updates

Shareholder Returns

SCBLZM BanksZM Market
7D0%0.8%0.4%
1Y-21.5%29.5%88.6%

Return vs Industry: SCBL underperformed the ZM Banks industry which returned 29.1% over the past year.

Return vs Market: SCBL underperformed the ZM Market which returned 88.6% over the past year.

Price Volatility

Is SCBL's price volatile compared to industry and market?
SCBL volatility
SCBL Beta0.19
Industry Beta0.68
Market Beta1

Stable Share Price: SCBL is less volatile than 75% of ZM stocks over the past 3 months, typically moving +/- 2% a week.

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

About the Company

FoundedEmployeesCEOWebsite
1906408Herman Kasekendehttps://www.sc.com/zm

Standard Chartered Bank Zambia Plc provides commercial, retail, and corporate and institutional banking products and services in Zambia. The company offers current accounts, savings accounts, and term and other deposits; personal instalment loans, mortgages loans, trade finance, auto loans, overdraft, business loans, and other loans; cash management and other transaction services; and bancassurance, investment, and foreign currency services, as well as mobile, online, and express banking services. It is also involved in trading and corporate financing activities.

Standard Chartered Bank Zambia Fundamentals Summary

How do Standard Chartered Bank Zambia's earnings and revenue compare to its market cap?
SCBL fundamental statistics
Market CapK1.95b
Earnings (TTM)-K48.08m
Revenue (TTM)K864.66m

2.4x

P/B Ratio

2.3x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
SCBL income statement (TTM)
RevenueK864.66m
Cost of RevenueK0
Gross ProfitK864.66m
ExpensesK912.74m
Earnings-K48.08m

Last Reported Earnings

Dec 31, 2020

Next Earnings Date

n/a

Earnings per share (EPS)-0.029
Gross Margin100.00%
Net Profit Margin-5.56%
Debt/Equity Ratio54.3%

How did SCBL perform over the long term?

See historical performance and comparison

Valuation

Is Standard Chartered Bank Zambia undervalued compared to its fair value and its price relative to the market?

2.41x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: SCBL (ZMW1.17) is trading above our estimate of fair value (ZMW0.19)

Significantly Below Fair Value: SCBL is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: SCBL is unprofitable, so we can't compare its PE Ratio to the African Banks industry average.

PE vs Market: SCBL is unprofitable, so we can't compare its PE Ratio to the ZM market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate SCBL's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: SCBL is overvalued based on its PB Ratio (2.4x) compared to the XF Banks industry average (0.9x).


Future Growth

How is Standard Chartered Bank Zambia 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 Standard Chartered Bank Zambia 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 Standard Chartered Bank Zambia performed over the past 5 years?

-35.4%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: SCBL is currently unprofitable.

Growing Profit Margin: SCBL is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: SCBL is unprofitable, and losses have increased over the past 5 years at a rate of 35.4% per year.

Accelerating Growth: Unable to compare SCBL's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: SCBL is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (11%).


Return on Equity

High ROE: SCBL has a negative Return on Equity (-5.93%), as it is currently unprofitable.


Financial Health

How is Standard Chartered Bank Zambia'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: SCBL's Assets to Equity ratio (17.5x) is moderate.

Allowance for Bad Loans: SCBL has a sufficient allowance for bad loans (131%).

Low Risk Liabilities: 91% of SCBL's liabilities are made up of primarily low risk sources of funding.

Loan Level: SCBL has an appropriate level of Loans to Assets ratio (17%).

Low Risk Deposits: SCBL's Loans to Deposits ratio (20%) is appropriate.

Level of Bad Loans: SCBL has a high level of bad loans (9.4%).


Dividend

What is Standard Chartered Bank Zambia current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

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

High Dividend: Unable to evaluate SCBL'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 SCBL's dividends per share have been stable in the past.

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


Current Payout to Shareholders

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


Future Payout to Shareholders

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


Next Steps

Management

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

3.3yrs

Average management tenure


CEO

Herman Kasekende (54 yo)

4.67yrs

Tenure

Mr. Herman Kizito Kasekende has been the Chief Executive Officer and Managing Director of Standard Chartered Bank Zambia Plc since February 1, 2017. Mr. Kasekende served as Director of Standard Chartered...


Leadership Team

Experienced Management: SCBL's management team is considered experienced (3.3 years average tenure).


Board Members

Experienced Board: SCBL's board of directors are considered experienced (4.4 years average tenure).


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.


Top Shareholders

Company Information

Standard Chartered Bank Zambia Plc's employee growth, exchange listings and data sources


Key Information

  • Name: Standard Chartered Bank Zambia Plc
  • Ticker: SCBL
  • Exchange: LUSE
  • Founded: 1906
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: K1.950b
  • Shares outstanding: 1.67b
  • Website: https://www.sc.com/zm

Number of Employees


Location

  • Standard Chartered Bank Zambia Plc
  • Standard Chartered House
  • Cairo Road
  • Lusaka
  • 10101
  • Zambia

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/17 18:02
End of Day Share Price2021/10/15 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


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.