Insurance · EQUITY
BRIT
Britam Holdings Plc
Ksh 17.95
▲0.84% today
close 06 Nov 2026 · source mystocks
68 owned trading days · 07 Jul 2026 → 06 Nov 2026 · KES 13.50–20.10
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 Insurance · formulas on /methodology
Ring color: accent = confidence A/B, amber = C/D — a fixed-radius stroke, never a percentage fill.
Value64
- P/E 14.257 ·w25
- P/B 1.0190 ·w20
- earnings yield 7.0% vs 364d T-bill 9.03% (spread -2.0pp)30 ·w20
- needs positive EPS and own P/E history— ·w15
- needs a dividend and own yield history— ·w10
- revenue/earnings growth +63.8% YoY100 ·w10
Financial health100
- F-Score 9/9 signals passed100 ·w70
- not meaningful for financial-sector counters (interest is their revenue)— ·w30
Quality53
- ROE 7.1%28 ·w25
- net margin 6.7% (financial bands)22 ·w20
- net margin +3.1pp over window(short window)81 ·w15
- ROA 1.7%27 ·w15
- debt/equity 3.11× (financial-sector leverage bands)100 ·w15
- revenue never declined over window(short window)100 ·w10
Dividend reliability0
- paid a dividend in 0 of 2 observed FYs (design window 5)(short window)0 ·w30
- no dividend in latest FY0 ·w20
- needs latest DPS and EPS— ·w20
- needs two consecutive dividend-paying FYs— ·w15
- needs latest DPS and positive EPS— ·w15
MomentumBuilding history — since 2026-07-07
- Building history — since 2026-07-07— ·w100
Liquidity56
- median daily turnover ≈ KES 2,466,566 over 68 observed days(short window)60 ·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 48.0B | KES 3.2B | 1.26 | — |
| 2023 | KES 42.0B | KES 1.5B | 0.59 | — |
source v3-seed (vintage 2026-02) · refreshed per filing as filings are processed
Analyst brief
Britam trades at 18.05 KES, giving an earnings yield of 7.0% — sitting 2.0 percentage points below the 364-day T-bill rate of 9.03%. The health pillar ranks strongest at 100 (F-Score 9/9 signals passed), while dividend scores zero because no payment has been made in the two observed financial years. Value pillar sits at 64, anchored by revenue and earnings growth of 63.8% year-on-year and a price-to-book ratio of 1.02, though the P/E of 14.3 and earnings yield spread pull it lower. Quality pillar ranks at 53: leverage of 3.11× carries a full score within financial-sector bands, and net margin improved 3.1 percentage points over the window; however, ROE of 7.1% and ROA of 1.7% remain muted. Momentum data is building (since 7 July 2026) with no historical score yet.
An overall verdict is withheld: the newest financial statement is 22 months old and only two financial years of history exist (three are required). Median daily turnover stands at 2,725,136 KES over 63 observed days, yet turnover represents just 0.6 basis points of market capitalisation, indicating thin liquidity relative to the stock's size. Confidence grades C. A fresh filing and an extended track record would clarify the business's sustainable trajectory and capital efficiency.
Automated analysis for information & education. Not investment advice.
generated 30 Oct 2026, 17:45 EAT · every figure machine-checked against the engine's computed inputs · identical for all readers