Financials CRDB Bank Plc

Equities

CRDB

TZ1996100305

Banks

End-of-day quote Tanzania S.E. 18:00:00 2024-06-26 EDT 5-day change 1st Jan Change
510 TZS 0.00% Intraday chart for CRDB Bank Plc +2.00% +10.87%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 391,776 248,125 509,309 731,315 1,031,676 1,201,446
Enterprise Value (EV) 1 147,186 -129,703 24,531 -204,518 372,458 1,153,013
P/E ratio 6.11 x 2.07 x 3.08 x 2.73 x 2.94 x 2.83 x
Yield 5.33% 17.9% 11.3% 12.9% 11.4% 10.9%
Capitalization / Revenue 0.74 x 0.38 x 0.71 x 0.81 x 0.98 x 0.97 x
EV / Revenue 0.28 x -0.2 x 0.03 x -0.23 x 0.35 x 0.93 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.51 x 0.28 x 0.5 x 0.6 x 0.7 x 0.69 x
Nbr of stocks (in thousands) 2,611,839 2,611,839 2,611,839 2,611,839 2,611,839 2,611,839
Reference price 2 150.0 95.00 195.0 280.0 395.0 460.0
Announcement Date 19-05-03 20-10-27 21-03-31 22-04-21 23-05-11 24-05-08
1TZS in Million2TZS
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 527,997 656,167 720,616 900,715 1,052,511 1,243,922
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 99,117 174,685 236,171 387,366 497,709 598,651
Net income 1 64,132 120,145 165,186 268,161 351,407 424,690
Net margin 12.15% 18.31% 22.92% 29.77% 33.39% 34.14%
EPS 2 24.55 46.00 63.24 102.7 134.5 162.6
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 8.000 17.00 22.00 36.00 45.00 50.00
Announcement Date 19-05-03 20-10-27 21-03-31 22-04-21 23-05-11 24-05-08
1TZS in Million2TZS
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 244,590 377,828 484,778 935,833 659,218 48,433
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 8.51% 14.6% 17.5% 24% 26% 25.9%
ROA (Net income/ Total Assets) 1.07% 1.9% 2.4% 3.35% 3.44% 3.39%
Assets 1 5,968,544 6,316,440 6,883,897 7,994,068 10,227,212 12,535,124
Book Value Per Share 2 296.0 334.0 387.0 467.0 566.0 665.0
Cash Flow per Share 2 269.0 286.0 300.0 441.0 492.0 512.0
Capex 1 92,542 36,345 94,909 70,229 47,496 80,877
Capex / Sales 17.53% 5.54% 13.17% 7.8% 4.51% 6.5%
Announcement Date 19-05-03 20-10-27 21-03-31 22-04-21 23-05-11 24-05-08
1TZS in Million2TZS
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
1
Last Close Price
510 TZS
Average target price
811 TZS
Spread / Average Target
+59.02%
Consensus

Chiffre d''affaires - Rate of surprise

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