Banking · EQUITY
SBIC
Stanbic Holdings Plc
Ksh 266.25
▲2.11% today
close 06 Nov 2026 · source mystocks
68 owned trading days · 07 Jul 2026 → 06 Nov 2026 · KES 258.50–295.50
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.
Value59
- P/E 12.466 ·w25
- P/B 1.8154 ·w20
- earnings yield 8.1% vs 364d T-bill 9.03% (spread -1.0pp)40 ·w20
- needs positive EPS and own P/E history— ·w15
- needs a dividend and own yield history— ·w10
- revenue/earnings growth +16.2% YoY87 ·w10
Financial health100
- F-Score 9/9 signals passed100 ·w70
- not meaningful for financial-sector counters (interest is their revenue)— ·w30
Quality71
- ROE 14.7%59 ·w25
- net margin 30.4% (financial bands)100 ·w20
- net margin +1.0pp over window(short window)60 ·w15
- ROA 2.4%30 ·w15
- debt/equity 5.12× (financial-sector leverage bands)86 ·w15
- revenue never declined over window(short window)100 ·w10
Dividend reliability86
- paid a dividend in 2 of 2 observed FYs (design window 5)(short window)100 ·w30
- yield 3.6% at current price45 ·w20
- earnings cover the dividend 2.26×86 ·w20
- never cut over 2 observed FYs(short window)100 ·w15
- payout ratio 44% of earnings100 ·w15
MomentumBuilding history — since 2026-07-07
- Building history — since 2026-07-07— ·w100
Liquidity52
- median daily turnover ≈ KES 1,456,452 over 68 observed days(short window)54 ·w40
- no trades on 0% of observed days(short window)100 ·w30
- daily turnover 0.1bp of market cap (shares est. from NI÷EPS)(short window)1 ·w30
Statements we hold
| FY | Revenue | Net income | EPS | DPS |
|---|---|---|---|---|
| 2024 | KES 28.0B | KES 8.5B | 21.50 | 9.50 |
| 2023 | KES 24.5B | KES 7.2B | 18.22 | 8.50 |
source v3-seed (vintage 2026-02) · refreshed per filing as filings are processed
Analyst brief
Stanbic Holdings' composite verdict is withheld due to data age and brevity. The newest financial statement is 22 months old, and only two full-year periods are available when three are needed for reliable trend analysis. Individual facts available: health scores perfectly (F-Score 9 of 9 signals passed), quality ranks toward the mid-to-upper range with a net margin of 30.4% and stable revenue history, and the dividend pillar sits high, with earnings covering payouts 2.26 times and no cuts observed across both years. Value ranks in the lower-middle zone—revenue and earnings grew 16.2% year-on-year, but the earnings yield of 8.1% trails the 364-day T-bill rate of 9.03%, a 0.9 percentage point gap. Momentum has only four months of data and carries no score.
Stanbic trades at 265.25 KES (as of 3 November 2026) with an earnings-per-share of 21.5 KES and P/E of 12.3. Liquidity scores low at 52—median daily turnover is approximately 1,485,315 KES, representing just 0.1 basis points of estimated market capitalisation. The confidence grade is C: a fresh annual statement would reset the age deficiency and, combined with a third fiscal year, would permit a full overall verdict.
Automated analysis for information & education. Not investment advice.
generated 03 Nov 2026, 17:46 EAT · every figure machine-checked against the engine's computed inputs · identical for all readers