NCBA 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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May '26 May 14, 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
Market Capitalization	145,805	138,392	79,410	64,171	64,830	41,517
Market Cap Growth	63.89%	74.27%	23.75%	-1.02%	56.15%	-5.79%
Last Close Price	88.50	79.66	41.45	29.62	27.00	14.83
PE Ratio	6.23	5.91	3.63	2.99	4.68	4.03
PS Ratio	2.25	2.13	1.40	1.19	1.37	1.15
PB Ratio	1.14	1.09	0.72	0.66	0.79	0.53
P/FCF Ratio	20.09	19.07	1.31	-	-	1.56
P/OCF Ratio	16.53	15.69	1.25	-	-	1.54
Debt / Equity Ratio	0.09	0.09	0.13	0.11	0.10	0.12
Debt / FCF Ratio	1.58	1.58	0.24	-	-	0.37
Net Debt / Equity Ratio	-0.68	-0.68	-0.61	-0.89	-0.49	-0.94
Net Debt / FCF Ratio	-11.95	-11.95	-1.09	2.70	1.62	-2.77
Return on Equity (ROE)	19.73%	19.73%	21.19%	23.96%	17.18%	13.58%
Return on Assets (ROA)	3.38%	3.38%	3.12%	3.17%	2.28%	1.83%
Earnings Yield	16.05%	16.91%	27.55%	33.44%	21.39%	24.81%
FCF Yield	4.98%	5.24%	76.45%	-49.50%	-38.32%	63.96%
Dividend Yield	8.02%	8.91%	13.27%	16.03%	15.74%	20.23%
Payout Ratio	40.48%	40.48%	39.53%	30.71%	50.50%	35.99%
Total Shareholder Return	8.07%	8.91%	13.27%	16.03%	15.74%	20.23%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.