Automobiles and Accessories · EQUITY
CGEN
Car and General
Ksh 265.50
▲3.91% today
close 06 Nov 2026 · source mystocks
68 owned trading days · 07 Jul 2026 → 06 Nov 2026 · KES 114.25–374.25
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 Automobiles and Accessories · formulas on /methodology
Ring color: accent = confidence A/B, amber = C/D — a fixed-radius stroke, never a percentage fill.
Value11
- P/E 38.10 ·w25
- P/B 4.580 ·w20
- earnings yield 2.6% vs 364d T-bill 9.03% (spread -6.4pp)0 ·w20
- needs positive EPS and own P/E history— ·w15
- needs a dividend and own yield history— ·w10
- revenue/earnings growth +15.0% YoY83 ·w10
Financial health78
- F-Score 9/9 signals passed100 ·w70
- interest coverage 2.8× (stored ratio — not derivable from raw lines)28 ·w30
Quality46
- ROE 12.0%48 ·w25
- net margin 3.6% (non-financial bands)18 ·w20
- net margin +0.3pp over window(short window)53 ·w15
- ROA 4.6%38 ·w15
- debt/equity 1.60× (standard bands)47 ·w15
- revenue never declined over window(short window)100 ·w10
Dividend reliability80
- paid a dividend in 2 of 2 observed FYs (design window 5)(short window)100 ·w30
- yield 0.7% at current price8 ·w20
- earnings cover the dividend 3.87×100 ·w20
- never cut over 2 observed FYs(short window)100 ·w15
- payout ratio 26% of earnings86 ·w15
MomentumBuilding history — since 2026-07-07
- Building history — since 2026-07-07— ·w100
Liquidity56
- median daily turnover ≈ KES 2,087,913 over 68 observed days(short window)58 ·w40
- no trades on 0% of observed days(short window)100 ·w30
- daily turnover 0.9bp of market cap (shares est. from NI÷EPS)(short window)9 ·w30
Dividend timeline
announced dividends on record, per share, oldest to newest
Evenly spaced by announcement order, not calendar time — see the dates at each marker.
Statements we hold
| FY | Revenue | Net income | EPS | DPS |
|---|---|---|---|---|
| 2024 | KES 16.5B | KES 600.0M | 6.96 | 1.80 |
| 2023 | KES 15.0B | KES 500.0M | 5.80 | 1.50 |
source v3-seed (vintage 2026-02) · refreshed per filing as filings are processed
Analyst brief
Car and General trades at 261.5 KES (as of 2 November 2026). The overall verdict is withheld: the newest financial statement is 22 months old and only 2 fiscal years of history exist where 3 are needed, leaving confidence too low to stand behind a composite read. Individually, dividend strength ranks highest—the company paid dividends in both observed years, covers them 3.87× over and has never cut, though the yield sits at 0.7%. Health scores solidly at 78, driven by an F-Score of 9/9 passed signals, offset by weaker interest coverage of 2.8×. Value remains the weakest pillar at 11: the P/E of 37.6 and P/B of 4.51 both score zero, and the earnings yield of 2.7% trails the 364-day T-bill rate of 9.03% by 6.4 percentage points, though revenue and earnings grew 15.0% year-on-year. Quality scores 46, held back by a net margin of 3.6% and ROA of 4.6%, though revenue never declined over the observation window.
Liquidity remains modest at 57: median daily turnover is approximately 2,219,904 KES, yet this represents only 1.0 basis point of market capitalisation. Momentum is building history only since 7 July 2026 and carries no score. The confidence grade is C due to the data gaps noted above; a fresh annual filing or interim statement would clarify whether the 15% earnings growth momentum persists and whether dividend cover remains sturdy. The company carries no flagged risks in the data reviewed.
Automated analysis for information & education. Not investment advice.
generated 02 Nov 2026, 17:49 EAT · every figure machine-checked against the engine's computed inputs · identical for all readers