I&M Group (NAI:IMH) Net Loan: KES322,922 Mil (As of Mar. 2026)

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NAI:IMH I&M Group PLC NAI:IMH
79 GF Score
Price KES78.25
GF Value KES39.58
Valuation Significantly Overvalued
! 4 Warning Signs
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What is I&M Group Net Loan?

I&M Group NAI:IMH 79 Net Loan is KES322,922 Mil as of Mar. 2026. GuruFocus rates NAI:IMH with a GF Score™ of 79/100 and a GF Value™ of KES39.58 (Significantly Overvalued). The stock has 4 warning signs investors should review.

I&M Group's quarterly net loan increased from Sep. 2025 (KES301,905 Mil) to Dec. 2025 (KES339,182 Mil) but then declined from Dec. 2025 (KES339,182 Mil) to Mar. 2026 (KES322,922 Mil).

I&M Group's annual net loan declined from Dec. 2023 (KES354,413 Mil) to Dec. 2024 (KES339,182 Mil) but then increased from Dec. 2024 (KES339,182 Mil) to Dec. 2025 (KES322,922 Mil).

I&M Group Net Loan Historical Data

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The historical data trend for I&M Group's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

I&M Group Net Loan Chart

I&M Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 217,553.22 247,088.93 354,412.90 316,389.39 339,182.17

I&M Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 293,661.60 290,257.98 301,905.41 339,182.17 322,921.63
NAI:IMH
79GF Score
I&M Group PLC NAI:IMH
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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I&M Group Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of KES322,922 Mil mean?
I&M Group (NAI:IMH) has a Net Loan of KES322,922 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on I&M Group and its competitors.
Is I&M Group's Net Loan too high?
I&M Group's current Net Loan is KES322,922 Mil. Overall, I&M Group has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does I&M Group's Net Loan compare to competitors?
I&M Group's Net Loan of KES322,922 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on I&M Group and its competitors. I&M Group's current Net Loan is KES322,922 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is I&M Group stock overvalued right now?
Based on GuruFocus' analysis, I&M Group (NAI:IMH) is currently considered Significantly Overvalued. The stock's GF Value™ is KES39.58, compared to a current price of KES78.25 — trading 97.7% above its estimated fair value. The current Net Loan is KES322,922 Mil. I&M Group's overall GF Score™ is 79/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For I&M Group (NAI:IMH), the current Net Loan is KES322,922 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is I&M Group (NAI:IMH) Overvalued in 2026?

Based on GuruFocus' analysis, I&M Group stock appears to be overvalued. The current stock price of KES78.25 is trading 97.7% above its estimated GF Value™ of KES39.58. GuruFocus considers I&M Group to be Significantly Overvalued.

Key valuation signals for NAI:IMH:

  • Net Loan: KES322,922 Mil
  • GF Value™: KES39.58 vs. price of KES78.25 (97.7% above fair value)
  • GF Score™: 79/100 with 4 warning signs

No single metric tells the full story. See the NAI:IMH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

I&M Group Business Description

Address 1 Park Avenue, 1st Parklands Avenue, P.O. Box 30238, Nairobi, KEN, 00100
I&M Group PLC is a non-operating holding company, along with its subsidiaries, providing banking, financial, and related services. The group operations are divided into five geographical segments: Kenya, Tanzania, Rwanda, Mauritius, and Uganda. It offers a range of personal banking products, such as bank accounts, cards, mobile banking, Internet banking, investment management services, loans, foreign exchange, and funds transfer. Business banking products include business accounts, loans, e-commerce, salary processing, trade services, interest rates, foreign exchange, insurance premium financing, funds transfer, asset finance, and cash management services.
79GF Score

Get the complete analysis for NAI:IMH

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

KES78.25
Price
KES39.58
GF Value