SBN Holdings Limited (NMSE:SNO)
Namibia flag Namibia · Delayed Price · Currency is NAD · Price in ZAR
13.70
+0.03 (0.22%)
At close: Jul 23, 2026

SBN Holdings Financials Overview

Millions NAD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
3,7283,7283,6393,0932,5702,150
Revenue Growth
0.30%2.44%17.67%20.34%19.54%2.12%
Net Income
1,1841,1841,050766.27623.6365.39
Earnings Per Share
2.272.272.011.471.190.70
EPS Growth
7.92%12.75%37.02%22.88%70.67%-13.28%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Personal & Private Banking
1,8491,8491,8481,6301,3441,289
Business & Commercial Banking
673.76673.76707.4512.77377.47259.17
Banking Activities - Corporate & Investment Banking
1,3631,3631,2881,083791.43604.48
Central & Other
-158.52-158.52-203.64-134.2254-3.56
Total
3,7283,7283,6393,0922,5672,149

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
5,5745,5745,4905,7294,2671,172
Total Debt
1,7441,7441,9382,3172,6942,062
Net Cash (Debt)
3,8303,8303,5523,4131,573-889.94
Net Cash Growth
111.30%7.81%4.09%116.99%--
Net Cash Per Share
7.337.336.806.533.01-1.70

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-108.27-108.27-596.17-688.65806.58-673.38
Capital Expenditures
-20.35-20.35-114.38-66.42-50.2-62.32
Free Cash Flow
-128.62-128.62-710.55-755.07756.39-735.7
Free Cash Flow Growth
------

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
31.75%31.75%28.85%24.77%24.26%16.99%
FCF Margin
-3.45%-3.45%-19.52%-24.41%29.43%-34.22%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
1.4201.4201.3801.0000.6600.310
Dividend Per Share Growth
2.86%2.90%38.00%51.52%112.90%-11.43%
Dividend Yield
10.37%12.44%18.41%16.37%23.61%8.60%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
6.055.364.525.833.698.76
Forward PE
-5.965.015.015.016.85
P/FCF Ratio
----3.04-
PS Ratio
1.921.701.301.440.891.49