Bank CenterCredit JSC (XKAZ:CCBN) Net Debt Paydown Yield % : -1.40% (As of Aug. 10, 2026)

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XKAZ:CCBN Bank CenterCredit JSC XKAZ:CCBN
51 GF Score
Price ₸4,831.90
GF Value ₸3,379.51
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Bank CenterCredit JSC Net Debt Paydown Yield %?

Bank CenterCredit JSC XKAZ:CCBN +0.04% 51 Net Debt Paydown Yield % is -1.40% as of Aug. 10, 2026. GuruFocus rates XKAZ:CCBN with a GF Score™ of 51/100 and a GF Value™ of ₸3,379.51 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,415 Banks companies, Bank CenterCredit JSC ranks worse than 51.8% on this metric.

Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt. As of today, Bank CenterCredit JSC's Net Debt Paydown Yield % was -1.40%.


Bank CenterCredit JSC  (XKAZ:CCBN) Net Debt Paydown Yield % Explanation

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.

In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


Bank CenterCredit JSC Net Debt Paydown Yield % Related Terms


Bank CenterCredit JSC Net Debt Paydown Yield % Historical Data

* Premium members only.

The historical data trend for Bank CenterCredit JSC's Net Debt Paydown Yield % 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.

Bank CenterCredit JSC Net Debt Paydown Yield % Chart

Bank CenterCredit JSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Debt Paydown Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 44.57 -14.64 0.28 -4.73 -6.26

Bank CenterCredit JSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Debt Paydown Yield % 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 -8.11 -9.42 -7.00 -6.26 -1.49

XKAZ:CCBN vs PNC, USB: Net Debt Paydown Yield % Comparison

For the Banks - Regional subindustry, Bank CenterCredit JSC's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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.


Bank CenterCredit JSC Net Debt Paydown Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Bank CenterCredit JSC's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where Bank CenterCredit JSC's Net Debt Paydown Yield % falls into.


XKAZ:CCBN
51GF Score
Bank CenterCredit JSC XKAZ:CCBN
Net Debt Paydown Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank CenterCredit JSC Net Debt Paydown Yield % Calculation

Bank CenterCredit JSC's Net Debt Paydown Yield % for the quarter that ended in Mar. 2026 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 291454.5-303271.25 )/794422.64598
=-1.49 %

* 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.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

What does a Net Debt Paydown Yield % of -1.40% mean?
Bank CenterCredit JSC (XKAZ:CCBN) has a Net Debt Paydown Yield % of -1.40% as of Aug. 10, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Bank CenterCredit JSC and its competitors. According to the industry distribution chart, Bank CenterCredit JSC ranks #733 out of 1415 companies in the Banks industry, placing it in the top 51.8%.
Is Bank CenterCredit JSC's Net Debt Paydown Yield % too high?
Bank CenterCredit JSC's current Net Debt Paydown Yield % is -1.40%. Based on the distribution chart, Bank CenterCredit JSC ranks #733 out of 1415 companies in the Banks industry, which is below the industry midpoint. Overall, Bank CenterCredit JSC has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank CenterCredit JSC's Net Debt Paydown Yield % compare to PNC and USB?
According to the Banks industry distribution chart, Bank CenterCredit JSC ranks #733 out of 1415 companies for Net Debt Paydown Yield %. This places Bank CenterCredit JSC in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Bank CenterCredit JSC and its competitors. Bank CenterCredit JSC's current Net Debt Paydown Yield % is -1.40%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank CenterCredit JSC stock overvalued right now?
Based on GuruFocus' analysis, Bank CenterCredit JSC (XKAZ:CCBN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₸3,379.51, compared to a current price of ₸4,831.90 — trading 43% above its estimated fair value. The current Net Debt Paydown Yield % is -1.40%. Bank CenterCredit JSC's overall GF Score™ is 51/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Bank CenterCredit JSC (XKAZ:CCBN), the current Net Debt Paydown Yield % is -1.40% as of Aug. 10, 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 Bank CenterCredit JSC (XKAZ:CCBN) Overvalued in 2026?

Based on GuruFocus' analysis, Bank CenterCredit JSC stock appears to be overvalued. The current stock price of ₸4,831.90 is trading 43% above its estimated GF Value™ of ₸3,379.51. GuruFocus considers Bank CenterCredit JSC to be Significantly Overvalued.

Key valuation signals for XKAZ:CCBN:

  • Net Debt Paydown Yield %: -1.40%
  • GF Value™: ₸3,379.51 vs. price of ₸4,831.90 (43% above fair value)
  • GF Score™: 51/100 with 2 warning signs

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


Bank CenterCredit JSC Business Description

Other Exchanges CCBNP.PFD:Kazakhstan
Address 38, Al-Farabi Avenue, Almaty, KAZ, 050059
Bank CenterCredit JSC is a Kazakhstan-based commercial bank. The bank offers direct debit facilities, current accounts, deposits, overdrafts, loans and other credit facilities, private customer current accounts, saving deposits, investment saving products, custody, credit and debit cards, structured financing, money market operations, foreign currency and derivative products, brokerage and asset management services, merger and acquisitions advice, and provision of funding through the issue of debt securities and attracting loans.
51GF Score

Get the complete analysis for XKAZ:CCBN

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

₸4,831.90
Price
₸3,379.51
GF Value