Banking · EQUITY
ABSA
ABSA Bank Kenya Plc
Ksh 30.85
0.00% today
close 06 Nov 2026 · source mystocks
68 owned trading days · 07 Jul 2026 → 06 Nov 2026 · KES 29.80–35.25
Why grade C: newest statement 22 months old · only 2 FYs of history (need 3)
Automated analysis for information & education. Not investment advice.
The five pillars
composite —/100Data C
scored 06 Nov 2026 · weights profile Banking · formulas on /methodology
Ring color: accent = confidence A/B, amber = C/D — a fixed-radius stroke, never a percentage fill.
Value68
- P/E 8.885 ·w25
- P/B 2.1240 ·w20
- earnings yield 11.4% vs 364d T-bill 9.03% (spread +2.4pp)74 ·w20
- needs positive EPS and own P/E history— ·w15
- needs a dividend and own yield history— ·w10
- revenue/earnings growth +10.1% YoY67 ·w10
Financial health89
- F-Score 8/9 signals passed89 ·w70
- not meaningful for financial-sector counters (interest is their revenue)— ·w30
Quality77
- ROE 24.2%97 ·w25
- net margin 30.4% (financial bands)100 ·w20
- net margin -0.9pp over window(short window)41 ·w15
- ROA 3.5%34 ·w15
- debt/equity 5.90× (financial-sector leverage bands)76 ·w15
- revenue never declined over window(short window)100 ·w10
Dividend reliability90
- paid a dividend in 2 of 2 observed FYs (design window 5)(short window)100 ·w30
- yield 3.9% at current price49 ·w20
- earnings cover the dividend 2.93×100 ·w20
- never cut over 2 observed FYs(short window)100 ·w15
- payout ratio 34% of earnings100 ·w15
MomentumBuilding history — since 2026-07-07
- Building history — since 2026-07-07— ·w100
Liquidity60
- median daily turnover ≈ KES 7,831,075 over 68 observed days(short window)72 ·w40
- no trades on 0% of observed days(short window)100 ·w30
- daily turnover 0.5bp of market cap (shares est. from NI÷EPS)(short window)5 ·w30
Statements we hold
| FY | Revenue | Net income | EPS | DPS |
|---|---|---|---|---|
| 2024 | KES 62.8B | KES 19.1B | 3.52 | 1.20 |
| 2023 | KES 56.2B | KES 17.6B | 3.24 | 1.10 |
source v3-seed (vintage 2026-02) · refreshed per filing as filings are processed
Analyst brief
ABSA Bank Kenya trades at 29.9 KES. The composite verdict is withheld because the newest financial statement is 22 months old and only two full years of history exist—below the three-year threshold Rasili requires. Within that limited window, individual facts show: health scores highest, driven by an F-Score of 8 out of 9 signals passed; dividend quality ranks second, supported by consistent payouts in both observed years, never cut, and covering 2.93 times by earnings; value stands midway, reflecting a P/E of 8.5 and earnings yield of 11.8% (a spread of 2.7 percentage points above the 364-day T-bill rate at 9.03%), offset by a price-to-book ratio of 2.06; and quality scores 77, anchored by ROE of 24.2% and net margin of 30.4%, though ROA at 3.5% lags. Momentum has built since early July 2026 but carries no score yet.
The stock trades at an earnings yield 2.7 percentage points above the T-bill rate. Revenue and earnings grew 10.1 per cent year-on-year, while net margin contracted 0.9 percentage points over the window. Liquidity is thin—median daily turnover is approximately 7.8 million KES, representing only 0.5 basis points of estimated market capitalisation—a material consideration for exit. No major risk flags appear in the data. Confidence grades C owing to stale filings and abbreviated history; a fresh full-year statement would clarify sustainability of the dividend and earnings trajectory.
Automated analysis for information & education. Not investment advice.
generated 02 Nov 2026, 17:50 EAT · every figure machine-checked against the engine's computed inputs · identical for all readers