Zambia National Commercial Bank Plc (LUSE:ZNCO)
Zambia · Delayed Price · Currency is ZMW 9.51
0.00 (0.00%)
At close: Aug 11, 2026
LUSE:ZNCO Financials Overview
Financials in millions ZMW. Fiscal year is January - December.
Millions ZMW. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 6,353 | 6,171 | 5,295 | 5,191 | 3,750 | 3,574 |
Revenue Growth | 17.01% | 16.54% | 2.00% | 38.44% | 4.92% | 77.79% |
Net Income Net Income Growth | 2,011 | 1,999 | 1,793 | 1,738 | 1,167 | 990.28 |
Earnings Per Share EPS Growth | 1.39 | 1.38 | 1.24 | 1.20 | 0.81 | 0.69 |
EPS Growth | - | 11.45% | 3.16% | 48.96% | 17.84% | 379.19% |
| Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Corporate Banking (Excluding Treasury) Corporate Banking (Excluding Treasury) Growth | 2,297 | 1,768 | 1,848 | 1,471 | 1,426 |
Business Banking Business Banking Growth | 881.53 | 663.93 | 573.06 | 408.42 | 369.95 |
Retail Banking Retail Banking Growth | 1,134 | 1,015 | 978.71 | 753.39 | 678.53 |
Digital Banking Digital Banking Growth | 210.89 | 286.07 | 343.08 | 261.54 | 199.17 |
Treasury Treasury Growth | 1,658 | 1,669 | 1,529 | 824.22 | 882.85 |
Others Others Growth | -2.51 | -10.32 | -11.74 | -2.93 | 17.23 |
Total Total Growth | 6,178 | 5,391 | 5,261 | 3,715 | 3,574 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 2,647 | 12,136 | 6,915 | 9,208 | 6,767 | 6,358 |
Total Debt Total Debt Growth | 5,432 | 4,595 | 4,975 | 3,422 | 2,452 | 3,074 |
Net Cash (Debt) Net Cash Growth | -2,785 | 7,541 | 1,940 | 5,786 | 4,315 | 3,284 |
Net Cash Growth | - | 288.63% | -66.47% | 34.11% | 31.37% | -0.61% |
Net Cash Per Share Net Cash Per Share Growth | -1.93 | 5.22 | 1.34 | 4.01 | 2.99 | 2.27 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | - | -3,079 | -3,451 | -3,853 | -2,564 | -1,214 |
Capital Expenditures CapEx Growth | - | -161.55 | -111.95 | -170.1 | -90.7 | -126.37 |
Free Cash Flow Free Cash Flow Growth | - | -3,241 | -3,563 | -4,023 | -2,655 | -1,340 |
Free Cash Flow Growth | - | - | - | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Profit Margin | 31.65% | 32.39% | 33.87% | 33.49% | 31.12% | 27.71% |
FCF Margin | - | -52.52% | -67.29% | -77.51% | -70.80% | -37.50% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 12, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 0.438 | - | 0.438 | 0.429 | 0.292 | 0.252 |
Dividend Per Share Growth | 11.42% | - | 2.10% | 46.92% | 15.87% | 342.11% |
Dividend Yield | 4.61% | - | 9.04% | 13.83% | 12.25% | 19.57% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 12, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 6.83 | 4.32 | 4.46 | 3.16 | 3.95 | 2.77 |
PS Ratio | 2.16 | 1.40 | 1.51 | 1.06 | 1.23 | 0.77 |