Banking · EQUITY
KCB
KCB Group Plc
Ksh 89.50
▼0.28% today
close 06 Nov 2026 · source mystocks
68 owned trading days · 07 Jul 2026 → 06 Nov 2026 · KES 78.75–94.00
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.
Value100
- P/E 4.8100 ·w25
- P/B 0.8299 ·w20
- earnings yield 20.9% vs 364d T-bill 9.03% (spread +11.9pp)100 ·w20
- needs positive EPS and own P/E history— ·w15
- needs a dividend and own yield history— ·w10
- revenue/earnings growth +49.8% YoY100 ·w10
Financial health100
- F-Score 9/9 signals passed100 ·w70
- not meaningful for financial-sector counters (interest is their revenue)— ·w30
Quality81
- ROE 17.2%69 ·w25
- net margin 34.3% (financial bands)100 ·w20
- net margin +6.7pp over window(short window)100 ·w15
- ROA 3.1%32 ·w15
- debt/equity 4.61× (financial-sector leverage bands)92 ·w15
- revenue never declined over window(short window)100 ·w10
Dividend reliability60
- paid a dividend in 1 of 2 observed FYs (design window 5)(short window)50 ·w30
- yield 3.4% at current price42 ·w20
- earnings cover the dividend 6.24×100 ·w20
- needs two consecutive dividend-paying FYs— ·w15
- payout ratio 16% of earnings53 ·w15
MomentumBuilding history — since 2026-07-07
- Building history — since 2026-07-07— ·w100
Liquidity75
- median daily turnover ≈ KES 66,324,293 over 68 observed days(short window)96 ·w40
- no trades on 0% of observed days(short window)100 ·w30
- daily turnover 2.3bp of market cap (shares est. from NI÷EPS)(short window)23 ·w30
Statements we hold
| FY | Revenue | Net income | EPS | DPS |
|---|---|---|---|---|
| 2024 | KES 175.0B | KES 60.1B | 18.72 | 3.00 |
| 2023 | KES 131.0B | KES 36.2B | 11.28 | — |
source v3-seed (vintage 2026-02) · refreshed per filing as filings are processed
Analyst brief
KCB Group Plc trades at 86.5 KES. The value pillar scores at the upper end of the scale, anchored on a P/E of 4.6 and earnings yield of 21.6%, which sits 12.6 percentage points above the 364-day T-bill rate of 9.03%; revenue and earnings grew 49.8% year-on-year. Health ranks highly, with an F-Score of 9 out of 9 signals passed. Quality scores toward the middle-upper band, led by a net margin of 34.3% that widened 6.7 percentage points over the observation window; ROE stands at 17.2% while ROA trails at 3.1%, and leverage remains at 4.61× debt-to-equity under financial-sector norms. The dividend pillar scores below midpoint: the bank paid a dividend in one of two observed financial years, with a current yield of 3.5%, though earnings cover it 6.24 times over. Momentum data is still building, having started only in July 2026.
An overall verdict is withheld because the newest financial statement is 22 months old and only two years of history are available—one fewer than required for confidence. The data carries a C confidence grade. Liquidity ranks comfortably, with median daily turnover near 66.3 million KES and no days without trades, though turnover represents only 2.4 basis points of estimated market capitalisation. A fresh annual filing would clarify whether dividend payments have stabilised and provide an up-to-date earnings picture.
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