Banking · EQUITY
IMH
I & M Holdings Plc
Ksh 69.00
▲5.34% today
close 13 Jul 2026 · source mystocks
5 owned trading days · 07 Jul 2026 → 13 Jul 2026 · KES 63.25–69.00 · true span — the pipeline hasn't accumulated more yet
Why grade C: newest statement 18 months old · only 2 FYs of history (need 3)
Sign in to watch this counter or set a factual alert.
Automated analysis for information & education. Not investment advice.
The five pillars
composite Founding feature · KES 149/mo — open during beta
scored 13 Jul 2026 · weights profile Banking · formulas on /methodology
Ring color: accent = confidence A/B, amber = C/D — a fixed-radius stroke, never a percentage fill.
Value99
- P/E 2.7100 ·w25
- P/B 0.44100 ·w20
- earnings yield 36.8% vs 364d T-bill 8.99% (spread +27.8pp)100 ·w20
- needs positive EPS and own P/E history— ·w15
- needs a dividend and own yield history— ·w10
- revenue/earnings growth +17.7% YoY92 ·w10
Financial health100
- F-Score 9/9 signals passed100 ·w70
- not meaningful for financial-sector counters (interest is their revenue)— ·w30
Quality73
- ROE 16.2%65 ·w25
- net margin 30.9% (financial bands)100 ·w20
- net margin +2.2pp over window(short window)72 ·w15
- ROA 2.3%29 ·w15
- debt/equity 6.08× (financial-sector leverage bands)74 ·w15
- revenue never declined over window(short window)100 ·w10
Dividend reliability85
- paid a dividend in 2 of 2 observed FYs (design window 5)(short window)100 ·w30
- yield 5.1% at current price63 ·w20
- earnings cover the dividend 7.26×100 ·w20
- never cut over 2 observed FYs(short window)100 ·w15
- payout ratio 14% of earnings46 ·w15
MomentumBuilding history — since 2026-07-07
- Building history — since 2026-07-07— ·w100
Liquidity70
- median daily turnover ≈ KES 9,611,012 over 5 observed days(short window)75 ·w40
- no trades on 0% of observed days(short window)100 ·w30
- daily turnover 3.4bp of market cap (shares est. from NI÷EPS)(short window)34 ·w30
Statements we hold
| FY | Revenue | Net income | EPS | DPS |
|---|---|---|---|---|
| 2024 | KES 34.0B | KES 10.5B | 25.40 | 3.50 |
| 2023 | KES 30.0B | KES 8.6B | 20.80 | 3.00 |
source v3-seed (vintage 2026-02) · refreshed per filing as filings are processed
Analyst brief
The AI analyst narrates this counter's computed numbers in plain language — same brief for every reader, checked so it never invents a figure. Not yet generated for this counter