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 Rate Net Income Revenue Expenses Deposits Delinquency Ratio
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 Total Assets 9.51%
Interest on Members Deposit 999.99%
Liquid Assets Ratio 31.74%
Recommended: >20%
Expenses to Revenue 79.10%
Efficient: <80%
Loan Delinquency Ratio 0.64%
Risk threshold: >5%
External Borrowings Ratio 1.62%
Lower is better

Dividend & Delinquency Trends