Zambia National Commercial Bank (LUS:ZNCO) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LUS:ZNCO Zambia National Commercial Bank PLC LUS:ZNCO
79 GF Score
Price ZMW9.43
GF Value ZMW6.20
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Zambia National Commercial Bank Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Zambia National Commercial Bank Quality Rank Related Terms

LUS:ZNCO
79GF Score
Zambia National Commercial Bank PLC LUS:ZNCO
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 ZMW9.43 is trading 52.1% above its estimated GF Value™ of ZMW6.20. GuruFocus considers Zambia National Commercial Bank to be Significantly Overvalued.

Key valuation signals for LUS:ZNCO:

  • Quality Rank:
  • GF Value™: ZMW6.20 vs. price of ZMW9.43 (52.1% above fair value)
  • GF Score™: 79/100 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.
79GF Score

Get the complete analysis for LUS:ZNCO

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

ZMW9.43
Price
ZMW6.20
GF Value