Zambia National Commercial Bank Plc (LUSE:ZNCO)

LUSE:ZNCO Statistics

Total Valuation

LUSE:ZNCO has a market cap or net worth of ZMW 14.24 billion.

Market Cap	14.24B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, April 10, 2026.

Earnings Date	Apr 10, 2026
Ex-Dividend Date	May 14, 2025

Share Statistics

LUSE:ZNCO has 1.44 billion shares outstanding.

Current Share Class	1.44B
Shares Outstanding	1.44B
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	9.72%
Float	424.61M

Valuation Ratios

The trailing PE ratio is 7.12.

PE Ratio	7.12
Forward PE	n/a
PS Ratio	2.31
PB Ratio	2.08
P/TBV Ratio	2.22
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-1.42
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 32.61%.

Return on Equity (ROE)	32.61%
Return on Assets (ROA)	3.76%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.04%
Revenue Per Employee	4.64M
Profits Per Employee	1.50M
Employee Count	1,330
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, LUSE:ZNCO has paid 934.05 million in taxes.

Income Tax	934.05M
Effective Tax Rate	31.85%

Stock Price Statistics

The stock price has increased by +79.17% in the last 52 weeks. The beta is 0.20, so LUSE:ZNCO's price volatility has been lower than the market average.

Beta (5Y)	0.20
52-Week Price Change	+79.17%
50-Day Moving Average	7.35
200-Day Moving Average	6.27
Relative Strength Index (RSI)	94.06
Average Volume (20 Days)	24,779

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, LUSE:ZNCO had revenue of ZMW 6.17 billion and earned 2.00 billion in profits. Earnings per share was 1.38.

Revenue	6.17B
Gross Profit	6.14B
Operating Income	2.93B
Pretax Income	2.93B
Net Income	2.00B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.38

Balance Sheet

The company has 12.14 billion in cash and 4.60 billion in debt, with a net cash position of 7.54 billion or 5.22 per share.

Cash & Cash Equivalents	12.14B
Total Debt	4.60B
Net Cash	7.54B
Net Cash Per Share	5.22
Equity (Book Value)	6.83B
Book Value Per Share	4.73
Working Capital	-29.52B

Cash Flow

In the last 12 months, operating cash flow was -3.08 billion and capital expenditures -161.55 million, giving a free cash flow of -3.24 billion.

Operating Cash Flow	-3.08B
Capital Expenditures	-161.55M
Free Cash Flow	-3.24B
FCF Per Share	-2.24

Margins

Gross Margin	n/a
Operating Margin	47.56%
Pretax Margin	47.53%
Profit Margin	32.39%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.44, which amounts to a dividend yield of 4.44%.

Dividend Per Share	0.44
Dividend Yield	4.44%
Dividend Growth (YoY)	2.10%
Years of Dividend Growth	7
Payout Ratio	31.61%
Buyback Yield	n/a
Shareholder Yield	4.43%
Earnings Yield	14.04%
FCF Yield	-22.77%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 4, 2015. It was a reverse split with a ratio of 0.1666666667.

Last Split Date	May 4, 2015
Split Type	Reverse
Split Ratio	0.1666666667

Scores

Altman Z-Score	n/a
Piotroski F-Score	2