Banking · EQUITY
SCBK
Standard Chartered Bank
Ksh 338.75
▼0.15% today
close 13 Jul 2026 · source mystocks
5 owned trading days · 07 Jul 2026 → 13 Jul 2026 · KES 335.00–342.50 · true span — the pipeline hasn't accumulated more yet
Why grade C: newest statement 18 months old · only 2 FYs of history (need 3)
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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.
Value80
- P/E 7.692 ·w25
- P/B 1.9249 ·w20
- earnings yield 13.2% vs 364d T-bill 8.99% (spread +4.3pp)93 ·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 8.0% 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
Liquidity57
- median daily turnover ≈ KES 4,373,725 over 5 observed days(short window)66 ·w40
- no trades on 0% of observed days(short window)100 ·w30
- daily turnover 0.3bp of market cap (shares est. from NI÷EPS)(short window)3 ·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 ranks highest at 80, driven by a P/E of 7.6 and an earnings yield of 13.2% that sits 4.3 percentage points above the 364-day T-bill rate of 8.99%, both scoring in the low 90s. Health pillar reached a perfect 100 with an F-Score of 9/9 signals passed. Quality pillar scored 82, anchored by ROE of 25.4% and net margin of 34.6%, though ROA of 3.9% scored much lower at 35. The dividend pillar sits at 90, reflecting an 8.0% yield at current price and consistent payments across the two observed fiscal years, though earnings cover the dividend only 1.66×. Momentum remains unscored; building history started 2026-07-07, too recent for a grade. Liquidity scored 57, constrained by median daily turnover of approximately KES 4,373,725, which represents just 0.3 basis points of estimated market cap.
The stock trades at KES 338.75 as of 13 July 2026. Data confidence is rated C due to the newest financial statement being 18 months old and only two fiscal years of history available (three are needed for full assessment). No material risk flags appear in the dataset. A fresh quarterly or annual filing would clarify whether recent profitability and margin trends persist.
Automated analysis for information & education. Not investment advice.
generated 13 Jul 2026, 17:45 EAT · every figure machine-checked against the engine's computed inputs · identical for all readers