Zenith Bank PLC is a Nigeria- based company. Its core business is the provision of banking and other financial services to corporate and individual customers. The bank provides services such as granting of loans and advances, corporate finance and money market activities. It also provides banking and pension custodial services to a diverse group of corporations, financial institutions, investment funds, governments and individuals; provision of investment advisory, financial planning services and investment product offerings; providing brokerage services, financing services and securities lending services to institutional clients, including mutual funds, pension funds and to high-net-worth individuals. Revenue generated by bank consists of interest income, fees and commission received.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	3.66
Equity-to-Asset	0.11
Debt-to-Equity	0.72
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	9/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.28	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

7/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	44.3
	3-Year EPS without NRI Growth Rate	43.7
	3-Year FCF Growth Rate	116.3
	3-Year Book Growth Rate	27.6

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	42.28
	9-Day RSI	39.6
	14-Day RSI	41.6
	6-1 Month Momentum %	19.08
	12-1 Month Momentum %	82

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	9.29
	Dividend Payout Ratio	0.17
	3-Year Dividend Growth Rate	6.7
	Forward Dividend Yield %	10.93
	5-Year Yield-on-Cost %	11.6
	Shareholder Yield %	-37.69

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	38.94
	FCF Margin %	104.52
	ROE %	36.06
	ROA %	3.97
	Years of Profitability over Past 10-Year	10

GF Value Rank

4/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	1.81
	PE Ratio without NRI	1.79
	Shiller PE Ratio	4.35
	Price-to-Owner-Earnings	0.59
	PEG Ratio	0.09
	PS Ratio	0.7
	PB Ratio	0.49
	Price-to-Tangible-Book	0.51
	Price-to-Free-Cash-Flow	0.67
	Price-to-Operating-Cash-Flow	0.64
	EV-to-Revenue	-2.03
	EV-to-FCF	-1.96
	Price-to-Projected-FCF	0.11
	Price-to-DCF (Earnings Based)	0.07
	Price-to-DCF (FCF Based)	0.02
	Price-to-Median-PS-Value	0.51
	Price-to-Peter-Lynch-Fair-Value	0.09
	Price-to-Graham-Number	0.2
	FCF Yield %	148.93
	Forward Rate of Return (Yacktman) %	83.99

GF Value: ₦67.89

NSA:ZENITH

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