Stima Sacco Ltd

Financial Performance Analysis

Latest: 2024

Key Financial Metrics (2024)

Total Assets
KES 66,512,232,000
2024 Performance
Dividend Rate
16.00%
Industry avg: ~5%
Net Income
KES 5,150,892,000
Annual net profit
Total Deposits
KES 46,690,625,000
Member deposits
Revenue
KES 9,644,017,000
Total revenue
Member Equity
KES 13,518,879,000
Total equity

Revenue Breakdown (2024)

Member Services
KES 238,911,000
Loan Interest
KES 4,493,125,000
Other Income
KES 440,398,000
Total Expenses
KES 7,628,632,000

Balance Sheet Summary (2024)

Opening Balance
KES 3,553,950,000
Reserves
KES 8,441,179,000
Closing Balance
KES 4,439,604,000

Assets Growth Over Time

Revenue & Expenses Trend

Financial Performance Over Time

Year Assets Liabilities Equity Dividend Net Income Revenue Expenses Deposits Delinquency
2024 KES 66,512,232,000 KES 52,993,353,000 KES 13,518,879,000 16.00% KES 5,150,892,000 KES 9,644,017,000 KES 7,628,632,000 KES 46,690,625,000 0.64%
2023 KES 59,148,247,000 KES 48,470,940,000 KES 10,724,828,000 15.00% KES 4,462,988,000 KES 8,511,535,000 KES 6,448,358,000 KES 43,127,096,000 2.16%
2022 KES 53,783,679,000 KES 44,521,784,000 KES 9,291,606,000 15.00% KES 3,433,204,000 KES 7,025,982,000 KES 5,533,048,000 KES 39,428,925,000 1.93%

Key Financial Ratios (2024)

Core Capital to Total Assets 20.33%
Regulatory minimum: 8%
Core Capital to Total Deposits 28.95%
Healthy range: 10-15%
Institutional Capital to Assets 9.51%
Liquid Assets Ratio 31.74%
Recommended: >20%
Expenses to Revenue 79.10%
Efficient: <80%
Loan Delinquency Ratio 0.64%
Risk threshold: >5%

Dividend & Delinquency Trends