Zambia National Commercial Bank (LUS:ZNCO) Margin of Safety % (DCF Earnings Based): N/A (As of Jul. 05, 2026)


LUS:ZNCO Zambia National Commercial Bank PLC LUS:ZNCO
71 GF Score
Price ZMW9.47
GF Value ZMW6.03
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Zambia National Commercial Bank Margin of Safety % (DCF Earnings Based)?

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Zambia National Commercial Bank's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Earnings Based) is not calculated.

LUS:ZNCO vs PNC, USB: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Zambia National Commercial Bank's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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.

Zambia National Commercial Bank Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Zambia National Commercial Bank's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Zambia National Commercial Bank's Margin of Safety % (DCF Earnings Based) falls into.


LUS:ZNCO
71GF Score
Zambia National Commercial Bank PLC LUS:ZNCO
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Zambia National Commercial Bank (LUS:ZNCO) Overvalued in 2026?

Based on GuruFocus' analysis, Zambia National Commercial Bank stock appears to be overvalued. The current stock price of ZMW9.47 is trading 57% above its estimated GF Value™ of ZMW6.03. GuruFocus considers Zambia National Commercial Bank to be Significantly Overvalued.

Key valuation signals for LUS:ZNCO:

  • Margin of Safety % (DCF Earnings Based): N/A
  • GF Value™: ZMW6.03 vs. price of ZMW9.47 (57% above fair value)
  • GF Score™: 71/100 with 5 warning signs

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

Zambia National Commercial Bank Business Description

Address Cairo Road, Plot 2118 - 2121, P.O Box 33611, Lusaka, ZMB
Zambia National Commercial Bank PLC offers commercial banking services. Its principal activities include: the provision of retail, commercial Banking and related services to the general public, the provision of payment and technology solutions through the Digital Shared Services Limited (DSSL), and offering tailored insurance and risk advisory services. The company's segments include: Corporate Banking, Business Banking, Retail Banking, Digital Banking, and Treasury Management. The majority of revenue is derived from the Corporate banking segment, which provides corporate and investment banking solutions that incorporate direct debit facilities, deposit products, overdrafts, loans and other credit facilities and foreign currency solutions.
71GF Score

Get the complete analysis for LUS:ZNCO

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ZMW9.47
Price
ZMW6.03
GF Value