Zenith Bank has the GF Score of 86, which implies that the company
might have
Good outperformance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Zenith Bank
might have
Good outperformance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Zenith Bank (NSA:ZENITH) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Zenith Bank GF Score Related Terms
Zenith Bank GF Score Competitor Comparison
For the Banks - Regional subindustry, Zenith Bank's GF Score, along with its competitors' market caps and GF Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Zenith Bank GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Zenith Bank's GF Score distribution charts can be found below:
* The bar in red indicates where Zenith Bank's GF Score falls into.
Zenith Bank (NSA:ZENITH) has a GF Score of 86 as of Jul. 02, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Zenith Bank and its competitors. This is 37% above median its historical median of 63.00. Over the past decade, Zenith Bank's GF Score has ranged from 46.00 to 90.00.
Is Zenith Bank's GF Score too high?
Zenith Bank's current GF Score of 86 is 37% above median its 10-year median of 63.00. Over the past 10 years, this metric has ranged from a low of 46.00 to a high of 90.00. Overall, Zenith Bank has a GF Score™ of 86/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zenith Bank's GF Score compare to competitors?
Zenith Bank's GF Score of 86 can be compared against companies in the Banks industry. Historically, Zenith Bank's own GF Score has ranged from 46.00 to 90.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Zenith Bank and its competitors. Zenith Bank's current GF Score is 86, which is 37% above median its own 10-year median of 63.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zenith Bank stock overvalued right now?
Based on GuruFocus' analysis, Zenith Bank (NSA:ZENITH) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦60.35, compared to a current price of ₦105.05 — trading 74.1% above its estimated fair value. The current GF Score is 86, which is 37% above median its 10-year median of 63.00. Zenith Bank's overall GF Score™ is 86/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Zenith Bank (NSA:ZENITH), the current GF Score is 86 as of Jul. 02, 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 Zenith Bank (NSA:ZENITH) Overvalued in 2026?
Based on GuruFocus' analysis, Zenith Bank stock appears to be overvalued.
The current stock price of ₦105.05 is trading 74.1% above its estimated GF Value™ of ₦60.35.
GuruFocus considers Zenith Bank to be Significantly Overvalued.
Key valuation signals for NSA:ZENITH:
GF Score: 86 (37% above median its 10-year median of 63.00)
GF Value™: ₦60.35 vs. price of ₦105.05 (74.1% above fair value)
No single metric tells the full story. See the NSA:ZENITH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
86GF Score
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