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SCBK

Standard Chartered Bank

Ksh 303.25

▲0.08% today

68 owned trading days · 07 Jul 2026 → 06 Nov 2026 · KES 301.50–345.50

Low data confidence — model view withheld

Data C

Exactly two of the three checks below fail

Two of the three data checks fall short. Model views are withheld and replaced with 'low data confidence' — the data isn't strong enough to support them.

Not a negative view of the counter — a statement that our data is too thin to say much.

This counter

  • newest statement 22 months old
  • only 2 FYs of history (need 3)

Income Fortress

Dividend score ≥ 75 AND Financial health score ≥ 60

This counter scores high on dividend strength and sits on financially healthy footing — the two together are what the label points to.

Not a recommendation to buy, and not a promise the dividend continues. It describes two scores being high at once, nothing about future payments.

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

85Value82Quality100Health90Dividend61LiquiditybuildinghistoryMomentumCconfidence

Ring color: accent = confidence A/B, amber = C/D — a fixed-radius stroke, never a percentage fill.

Value85
  • P/E 6.896 ·w25
  • P/B 1.7258 ·w20
  • earnings yield 14.8% vs 364d T-bill 9.03% (spread +5.8pp)100 ·w20
  • needs positive EPS and own P/E history— ·w15
  • needs a dividend and own yield history— ·w10
  • revenue/earnings growth +15.2% YoY84 ·w10
Financial health100
  • F-Score 9/9 signals passed100 ·w70
  • not meaningful for financial-sector counters (interest is their revenue)— ·w30
Quality82
  • ROE 25.4%100 ·w25
  • net margin 34.6% (financial bands)100 ·w20
  • net margin +1.2pp over window(short window)62 ·w15
  • ROA 3.9%35 ·w15
  • debt/equity 5.57× (financial-sector leverage bands)80 ·w15
  • revenue never declined over window(short window)100 ·w10
Dividend reliability90
  • paid a dividend in 2 of 2 observed FYs (design window 5)(short window)100 ·w30
  • yield 8.9% at current price100 ·w20
  • earnings cover the dividend 1.66×51 ·w20
  • never cut over 2 observed FYs(short window)100 ·w15
  • payout ratio 60% of earnings100 ·w15
MomentumBuilding history — since 2026-07-07
  • Building history — since 2026-07-07— ·w100
Liquidity61
  • median daily turnover ≈ KES 7,854,728 over 68 observed days(short window)72 ·w40
  • no trades on 0% of observed days(short window)100 ·w30
  • daily turnover 0.7bp of market cap (shares est. from NI÷EPS)(short window)7 ·w30

Statements we hold

FYRevenueNet incomeEPSDPS
2024KES 49.2BKES 17.0B44.8627.00
2023KES 43.5BKES 14.5B38.2723.00

Analyst brief

Standard Chartered Bank's value pillar scores toward the upper end, anchored by a P/E of 6.7 and an earnings yield of 14.9% that sits 5.9 percentage points above the 364-day T-bill rate; the health pillar is at maximum strength, passing all nine F-Score signals, though that test carries limited meaning for financial-sector counters where interest income is the revenue engine. Quality is solid, led by a return on equity of 25.4% and net margin of 34.6%, though the return on assets of 3.9% is comparatively modest. The dividend pillar ranks high, reflecting a 9.0% yield, consistent payout history across two observed financial years, and a payout ratio of 60% of earnings; dividend coverage stands at 1.66×. Momentum is building in history but lacks a confidence score. An overall verdict is withheld because the newest financial statement is 22 months old and only two years of history exist where three are needed to establish a robust baseline.

The stock trades at 301.5 KES as of 3 November 2026. Liquidity shows uneven depth: median daily turnover approximates 7.25 million KES over 65 observed days, though this represents just 0.6 basis points of estimated market capitalisation, signalling limited trading volume relative to size. No risk flags are reported. Data confidence is graded C, reflecting the age of filings and brevity of earnings history; a fresh statement would materially clarify the durability of earnings growth and margin trajectory.

Automated analysis for information & education. Not investment advice.