I&M Group Ratios and Metrics

Market cap in millions KES. Fiscal year is January - December.

Millions KES. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar '26 Mar 18, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	84,748	59,944	28,938	28,112	34,891	37,206
Market Cap Growth	42.56%	107.14%	2.94%	-19.43%	-6.22%	-16.67%
Last Close Price	51.25	33.20	13.57	11.71	13.47	13.67
PE Ratio	4.83	3.90	2.29	2.51	4.29	4.61
PS Ratio	1.75	1.42	0.83	0.94	1.40	1.74
PB Ratio	0.70	0.59	0.30	0.34	0.47	0.55
P/FCF Ratio	-	6.76	-	-	-	-
P/OCF Ratio	-	4.79	-	-	-	-
Debt / Equity Ratio	0.09	0.14	0.22	0.22	0.29	0.24
Debt / FCF Ratio	-	1.59	-	-	-	-
Net Debt / Equity Ratio	-0.34	-0.46	-0.63	-0.32	-0.29	-0.32
Net Debt / FCF Ratio	-	-5.33	0.87	2.70	0.53	0.44
Return on Equity (ROE)	18.00%	16.88%	15.05%	14.88%	12.14%	13.05%
Return on Assets (ROA)	3.21%	2.87%	2.62%	2.72%	2.23%	2.50%
Earnings Yield	21.25%	25.66%	43.59%	39.82%	23.30%	21.70%
FCF Yield	-	14.78%	-239.98%	-34.14%	-113.60%	-134.56%
Dividend Yield	6.24%	9.04%	18.80%	19.21%	11.14%	8.23%
Payout Ratio	-	27.42%	29.49%	22.16%	22.88%	26.11%
Buyback Yield / Dilution	-2.62%	-	-	-	-	0.00%
Total Shareholder Return	3.62%	9.04%	18.80%	19.21%	11.14%	8.23%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.