Banking · EQUITY
SCBK
Standard Chartered Bank
Ksh 303.25
▲0.08% today
close 06 Nov 2026 · source mystocks
68 owned trading days · 07 Jul 2026 → 06 Nov 2026 · KES 301.50–345.50
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.
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
| FY | Revenue | Net income | EPS | DPS |
|---|---|---|---|---|
| 2024 | KES 49.2B | KES 17.0B | 44.86 | 27.00 |
| 2023 | KES 43.5B | KES 14.5B | 38.27 | 23.00 |
source v3-seed (vintage 2026-02) · refreshed per filing as filings are processed
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.
generated 03 Nov 2026, 17:45 EAT · every figure machine-checked against the engine's computed inputs · identical for all readers