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	Apr '26 Apr 23, 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	146,629	138,392	79,410	64,171	64,830	41,517
Market Cap Growth	66.36%	74.27%	23.75%	-1.02%	56.15%	-5.79%
Last Close Price	89.00	84.00	43.70	31.24	28.47	15.64
PE Ratio	6.27	5.92	3.63	2.99	4.68	4.03
PS Ratio	2.25	2.12	1.40	1.19	1.37	1.15
PB Ratio	1.15	1.09	0.72	0.66	0.79	0.53
P/FCF Ratio	-	-	1.25	-	-	1.56
P/OCF Ratio	-	-	1.20	-	-	1.54
Debt / Equity Ratio	0.06	0.06	0.13	0.11	0.10	0.12
Debt / FCF Ratio	-	-	0.23	-	-	0.37
Net Debt / Equity Ratio	-0.49	-0.49	-0.61	-0.89	-0.49	-0.94
Net Debt / FCF Ratio	-	-	-1.05	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	15.95%	16.90%	27.55%	33.44%	21.39%	24.81%
FCF Yield	-	-	80.05%	-49.50%	-38.32%	63.96%
Dividend Yield	7.98%	8.45%	12.58%	15.20%	14.93%	19.18%
Payout Ratio	-	-	39.53%	30.71%	50.50%	35.99%
Buyback Yield / Dilution	0.01%	0.01%	-	-	-	-
Total Shareholder Return	7.98%	8.46%	12.58%	15.20%	14.93%	19.18%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.