| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 0/6 |
| Past Performance | 0/6 |
| Financial Health | 5/6 |
| Dividends | 0/6 |
SCBL Overview
Standard Chartered Bank Zambia Plc provides commercial, retail, and corporate and institutional banking products and services in Zambia.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | K1.17 |
| 52 Week High | K0 |
| 52 Week Low | K0 |
| Beta | 0.19 |
| 1 Month Change | 0% |
| 3 Month Change | -6.40% |
| 1 Year Change | -21.48% |
| 3 Year Change | -56.67% |
| 5 Year Change | -36.76% |
| Change since IPO | 3,563.81% |
Recent News & Updates
Shareholder Returns
| SCBL | ZM Banks | ZM Market | |
|---|---|---|---|
| 7D | 0% | 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
| SCBL volatility | |
|---|---|
| SCBL Beta | 0.19 |
| Industry Beta | 0.68 |
| Market Beta | 1 |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1906 | 408 | Herman Kasekende | https://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
| SCBL fundamental statistics | |
|---|---|
| Market Cap | K1.95b |
| Earnings (TTM) | -K48.08m |
| Revenue (TTM) | K864.66m |
2.4x
P/B Ratio2.3x
P/S RatioIs SCBL overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| SCBL income statement (TTM) | |
|---|---|
| Revenue | K864.66m |
| Cost of Revenue | K0 |
| Gross Profit | K864.66m |
| Expenses | K912.74m |
| Earnings | -K48.08m |
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
n/a
| Earnings per share (EPS) | -0.029 |
| Gross Margin | 100.00% |
| Net Profit Margin | -5.56% |
| Debt/Equity Ratio | 54.3% |
How did SCBL perform over the long term?
See historical performance and comparisonValuation
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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/10/17 18:02 |
| End of Day Share Price | 2021/10/15 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.