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Agricultural Development Bank Plc (GHSE:ADB)
Ghana flag Ghana · Delayed Price · Currency is GHS
5.30
0.00 (0.00%)
At close: Aug 7, 2026

GHSE:ADB Financials Overview

Millions GHS. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
1,4181,491694.26-124.5217.48598.03
Revenue Growth
39.46%114.79%---63.63%12.67%
Net Income
329.45367.2935.06-828.82-371.2881.6
Earnings Per Share
0.200.220.02-2.39-1.070.24
EPS Growth
82.22%1000.05%---24.77%

Revenue by Segment
Chart
Fiscal YearFY 2025FY 2024FY 2023
Period EndingDec '25 Dec '24 Dec '23
Corporate Banking
0.92-151.6-470.11
Retail Banking
1,1691,044363.56
Central Treasury
305.46-193.07-28.71
Unallocated
16.22-5.4810.76
Total
1,491694.26-124.5

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
10,4536,5965,3083,8002,2591,064
Total Debt
1,5621,8141,071711.13738.07457.38
Net Cash (Debt)
8,8914,7824,2373,0891,520606.32
Net Cash Growth
47.08%12.87%37.17%103.15%150.77%-28.63%
Net Cash Per Share
5.452.892.568.904.381.75

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
1,4371,692273.77-586.19-885.36-220.6
Capital Expenditures
-14.76-8.85-12.19-18.03-31.2-32.79
Free Cash Flow
1,4221,683261.58-604.22-916.56-253.39
Free Cash Flow Growth
49.24%543.38%----

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
23.23%24.63%5.05%--170.72%13.64%
FCF Margin
100.27%112.86%37.68%--421.44%-42.37%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
26.5622.7750.07--16.23
P/FCF Ratio
6.164.976.71---
PS Ratio
6.185.612.53-14.108.072.21