NCBA Group (NAI:NCBA) Net Loan: KES389,633 Mil (As of Jun. 2026)

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NAI:NCBA NCBA Group PLC NAI:NCBA
67 GF Score
Price KES87.50
GF Value KES62.08
Valuation Significantly Overvalued
! 1 Warning Sign
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What is NCBA Group Net Loan?

NCBA Group NAI:NCBA -2.78% 67 Net Loan is KES389,633 Mil as of Jun. 2026. GuruFocus rates NAI:NCBA with a GF Score™ of 67/100 and a GF Value™ of KES62.08 (Significantly Overvalued). The stock has 1 warning sign investors should review.

NCBA Group's quarterly net loan increased from Dec. 2025 (KES358,286 Mil) to Mar. 2026 (KES375,819 Mil) and increased from Mar. 2026 (KES375,819 Mil) to Jun. 2026 (KES389,633 Mil).

NCBA Group's annual net loan declined from Dec. 2023 (KES396,963 Mil) to Dec. 2024 (KES375,819 Mil) but then increased from Dec. 2024 (KES375,819 Mil) to Dec. 2025 (KES389,633 Mil).

NCBA Group Net Loan Historical Data

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The historical data trend for NCBA 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.

NCBA Group Net Loan Chart

NCBA Group Annual Data
Trend Dec15 Dec16 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 286,583.41 301,726.03 396,963.49 346,888.43 358,285.75

NCBA Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 353,945.48 338,143.96 358,285.75 375,819.00 389,632.70
NAI:NCBA
67GF Score
NCBA Group PLC NAI:NCBA
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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NCBA 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 KES389,633 Mil mean?
NCBA Group (NAI:NCBA) has a Net Loan of KES389,633 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on NCBA Group and its competitors.
Is NCBA Group's Net Loan too high?
NCBA Group's current Net Loan is KES389,633 Mil. Overall, NCBA Group has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NCBA Group's Net Loan compare to competitors?
NCBA Group's Net Loan of KES389,633 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 NCBA Group and its competitors. NCBA Group's current Net Loan is KES389,633 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NCBA Group stock overvalued right now?
Based on GuruFocus' analysis, NCBA Group (NAI:NCBA) is currently considered Significantly Overvalued. The stock's GF Value™ is KES62.08, compared to a current price of KES87.50 — trading 40.9% above its estimated fair value. The current Net Loan is KES389,633 Mil. NCBA Group's overall GF Score™ is 67/100 with 1 warning sign 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 NCBA Group (NAI:NCBA), the current Net Loan is KES389,633 Mil as of Jun. 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 NCBA Group (NAI:NCBA) Overvalued in 2026?

Based on GuruFocus' analysis, NCBA Group stock appears to be overvalued. The current stock price of KES87.50 is trading 40.9% above its estimated GF Value™ of KES62.08. GuruFocus considers NCBA Group to be Significantly Overvalued.

Key valuation signals for NAI:NCBA:

  • Net Loan: KES389,633 Mil
  • GF Value™: KES62.08 vs. price of KES87.50 (40.9% above fair value)
  • GF Score™: 67/100 with 1 warning sign

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

NCBA Group Business Description

Address Mara and Ragati Roads, P.O. Box 44599-00100, NCBA Centre, Upper hill, Nairobi, KEN
NCBA Group PLC and its subsidiaries provide retail, corporate, and digital banking, brokerage, bancassurance, insurance, and investment banking services. The Group's operating divisions are: Corporate and institutional banking, Retail banking (SME and Consumer banking), Treasury dealing, Digital Bank, Investment banking, and Insurance. Through these divisions, it caters to different segments of customers from medium and large corporates to high net worth and other retail individual clients, offering them various kinds of financial products and services, such as deposit accounts, loans, advisory, digital banking, and wealth management solutions, among others. The Group's geographical segments are: Kenya, Uganda, Tanzania, Rwanda, and Ghana. The majority of its revenue is derived from Kenya.
67GF Score

Get the complete analysis for NAI:NCBA

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

KES87.50
Price
KES62.08
GF Value