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Co-operative Bank of Kenya (NAI:COOP) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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.
Co-operative Bank of Kenya ROE % Competitor Comparison
For the Banks - Regional subindustry, Co-operative Bank of Kenya's ROE %, along with its competitors' market caps and ROE % 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.
Co-operative Bank of Kenya ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Co-operative Bank of Kenya's ROE % distribution charts can be found below:
* The bar in red indicates where Co-operative Bank of Kenya's ROE % falls into.
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Co-operative Bank of Kenya (NAI:COOP) has a ROE % of 19.84% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Co-operative Bank of Kenya and its competitors. This is near median its historical median of 19.33. Over the past decade, Co-operative Bank of Kenya's ROE % has ranged from 13.71 to 23.40. According to the industry distribution chart, Co-operative Bank of Kenya ranks #152 out of 1523 companies in the Banks industry, placing it in the top 10%.
Is Co-operative Bank of Kenya's ROE % too high?
Co-operative Bank of Kenya's current ROE % of 19.84% is near median its 10-year median of 19.33. Over the past 10 years, this metric has ranged from a low of 13.71 to a high of 23.40. The Banks industry median ROE % is 10.33. Co-operative Bank of Kenya's value of 19.84% is 92.1% above this industry median. Based on the distribution chart, Co-operative Bank of Kenya ranks #152 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Co-operative Bank of Kenya has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Co-operative Bank of Kenya's ROE % compare to competitors?
According to the Banks industry distribution chart, Co-operative Bank of Kenya ranks #152 out of 1523 companies for ROE %. This places Co-operative Bank of Kenya in the top 10% of its industry — outperforming the majority of peers. The industry median ROE % is 10.33. Co-operative Bank of Kenya's value of 19.84% is 92.1% above this benchmark. Historically, Co-operative Bank of Kenya's own ROE % has ranged from 13.71 to 23.40 over the past decade. While the company's 10-year median is 19.33 vs. the industry median of 10.33, Co-operative Bank of Kenya has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.33, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Co-operative Bank of Kenya's current ROE % of 19.84% is 92.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Co-operative Bank of Kenya and its competitors. For the Banks industry, the median ROE % is 10.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Co-operative Bank of Kenya's current ROE % is 19.84%, which is near median its own 10-year median of 19.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Co-operative Bank of Kenya stock overvalued right now?
Based on GuruFocus' analysis, Co-operative Bank of Kenya (NAI:COOP) is currently considered Significantly Overvalued. The stock's GF Value™ is KES18.24, compared to a current price of KES36.90 — trading 102.3% above its estimated fair value. The current ROE % is 19.84%, which is near median its 10-year median of 19.33 and 92.1% above the Banks industry median of 10.33. Co-operative Bank of Kenya's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Co-operative Bank of Kenya (NAI:COOP), the current ROE % is 19.84% as of Mar. 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 Co-operative Bank of Kenya (NAI:COOP) Overvalued in 2026?
Based on GuruFocus' analysis, Co-operative Bank of Kenya stock appears to be overvalued.
The current stock price of KES36.90 is trading 102.3% above its estimated GF Value™ of KES18.24.
GuruFocus considers Co-operative Bank of Kenya to be Significantly Overvalued.
Key valuation signals for NAI:COOP:
ROE %: 19.84% (near median its 10-year median of 19.33)
GF Value™: KES18.24 vs. price of KES36.90 (102.3% above fair value)
Industry Position: 92.1% above the Banks median (#152 of 1523)
No single metric tells the full story. See the NAI:COOP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Co-operative Bank of Kenya Ltd is engaged in corporate banking, retail banking, investment, and asset management services in Kenya. The Bank is organized into three main operating segments based on products and services as, Retail Banking, which includes loans, deposits, and other transactions and balances with retail customers; Wholesale Banking, which includes loans, deposits, and other transactions and balances with corporate and institutional customers; and Group Functions, which mainly comprises of support departments such as ICT, Finance and shared services among others. It generates the majority of its revenue from Retail Banking. The group's operations are within the two geographical segments of Kenya and South Sudan.
58GF Score
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