HFCB Group (NAI:HFCK) 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.

NAI:HFCK HFCB Group PLC NAI:HFCK
39 GF Score
Price KES13.15
GF Value KES2.13
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is HFCB Group 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)

HFCB Group Quality Rank Related Terms

NAI:HFCK
39GF Score
HFCB Group PLC NAI:HFCK
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is HFCB Group (NAI:HFCK) Overvalued in 2026?

Based on GuruFocus' analysis, HFCB Group stock appears to be overvalued. The current stock price of KES13.15 is trading 517.4% above its estimated GF Value™ of KES2.13. GuruFocus considers HFCB Group to be Significantly Overvalued.

Key valuation signals for NAI:HFCK:

  • Quality Rank:
  • GF Value™: KES2.13 vs. price of KES13.15 (517.4% above fair value)
  • GF Score™: 39/100 with 4 warning signs

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

HFCB Group Business Description

Address Kenyatta Avenue, Koinange Street, Rehani House, Plot No. LR 209/905, P.O. Box 30088, Nairobi, KEN, 00100
HFCB Group PLC is an integrated financial and Property solutions provider. It has diversified from being a mortgage financier to a provider of integrated financial solutions with interests in banking, property, and insurance. Its services are Save & Invest, Borrow, Insure, Move Money & Trade, and Own a Home.
39GF Score

Get the complete analysis for NAI:HFCK

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

KES13.15
Price
KES2.13
GF Value