HFCB Group Plc (NASE:HFCK)

Kenya · Delayed Price · Currency is KES

11.80

-0.15 (-1.26%)

At close: Jul 24, 2026

HFCB Group Financials Overview

Financials in millions KES. Fiscal year is January - December.

Millions KES. Fiscal year is Jan - Dec.

Revenue & Profits

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	6,407	6,000	3,716	3,441	2,943	2,085
Revenue Growth	57.22%	61.45%	7.98%	16.93%	41.13%	5.66%
Net Income	1,570	1,422	524.69	388.16	265.57	-667.75
Earnings Per Share	0.88	0.75	0.90	1.01	0.69	-1.74
EPS Growth	136.33%	-16.67%	-10.82%	46.16%	-	-

Revenue by Segment

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
Banking	4,915	3,022	2,389	2,277	1,889
Property Development	1,049	613.54	434.41	209.87	78.78
Bancassurance	174.53	129.32	115.67	83.03	59.58
Others	150.24	110.87	99.31	133.23	131.75
Elimination	-163.4	-117.54	-	-	-
Total	6,125	3,758	3,358	2,667	2,020

Cash & Debt

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	2,181	2,316	4,466	1,867	848.69	1,186
Total Debt	2,194	4,728	3,874	5,556	5,318	4,960
Net Cash (Debt)	-13.02	-2,412	592.26	-3,689	-4,469	-3,774
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-0.01	-1.28	1.02	-9.59	-11.62	-9.81

Cash Flow & CapEx

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	-	-10,378	-6,432	-2,406	-1,678	2,607
Capital Expenditures	-	-363.28	-166.9	-85.18	-19.92	-9.73
Free Cash Flow	-	-10,741	-6,599	-2,492	-1,698	2,598
Free Cash Flow Growth	-	-	-	-	-	-

Margins

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	24.50%	23.71%	14.12%	11.28%	9.02%	-32.02%
FCF Margin	-	-179.04%	-177.58%	-72.40%	-57.69%	124.56%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 28, 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	13.41	13.20	3.31	3.45	4.62	-
Forward PE	-	6.20	6.20	6.20	6.20	6.20
P/FCF Ratio	-	-	-	-	-	0.58
PS Ratio	3.47	3.13	0.47	0.39	0.42	0.72