Fab.Gh
FAB.GH operates as a bank, providing financial services and generating revenue primarily through interest income and fee-based services.
Business. FAB.GH operates as a bank, providing financial services and generating revenue primarily through interest income and fee-based services.
At a glance
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
FAB.GH operates as a bank, providing financial services and generating revenue primarily through interest income and fee-based services.
FAB.GH maintains a strong liquidity position with a debt-to-equity ratio of 0.02, indicating minimal leverage and a conservative capital structure. The company's free cash flow of 300.25 million GHS supports operational flexibility and potential shareholder returns. However, the negative operating cash flow of 225.89 million GHS raises concerns about short-term liquidity and working capital management.
The company's profitability is robust, with a return on equity (ROE) of 21.13%, significantly outperforming the median ROE for banks. Its return on assets (ROA) of 2.53% also exceeds the industry median, suggesting efficient asset utilization and strong earnings relative to its asset base.
FAB.GH's revenue is concentrated in a single business segment, with no disclosed geographic diversification. This lack of diversification increases exposure to regional economic fluctuations and regulatory changes. The company's revenue of 569.79 million GHS reflects a stable financial position, but no growth trajectory is evident from the provided data.
The company's risk profile is characterized by medium liquidity risk and low dilution potential. The negative net cash position after subtracting total debt is a key flag, indicating potential short-term liquidity constraints. No recent events or filings have been disclosed that would significantly alter the company's risk profile.
- FAB.GH has a strong ROE of 21.13%, outperforming the industry median.
- The company maintains a conservative capital structure with a low debt-to-equity ratio of 0.02.
- FAB.GH's free cash flow of 300.25 million GHS supports operational flexibility.
- The negative operating cash flow of 225.89 million GHS raises concerns about liquidity.
- The company's revenue is concentrated in a single segment with no geographic diversification.
Bull / Bear case
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consensus EPS · 26-week trendSell-side observations
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Risk factors
- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- FAB.GH Market data — financials · 2026-05-27