SC
SCB.GH
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Banks
Standard Chartered Bank Ghana PLC
Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
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P/E
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EV / Rev
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Div yield
2,36 %
Op margin
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ROE
34,4 %
Net margin
57,0 %
Debt / equity
0,21
Beta
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52w range
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Volume
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Day range
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Prev close
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Open
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Next earnings
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Ex-dividend
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TR 1Y
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About
Standard Chartered Bank Ghana PLC is classified under Financials / Banks and appears profitable on the latest normalized snapshot.
Business. Standard Chartered Bank Ghana PLC (SCB.GH) is a commercial bank operating within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking models. Specific details regarding its operating segments, headquarters location, and primary stock exchange listings are not provided in the available data. Consequently, the firm is described at the industry level as a provider of banking services.
Classification62 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupBanking Services
IndustryBanks
ActivityCommercial Banks
Generated · rules-based
Sell-side consensus
SELL1 analysts
0 buy0 hold1 sell
Avg 12m price target48,97
Analyst recommendations
1 analysts · consensus SellBuy0
Hold0
Sell1
12-month price target
48,97
Consensus of sell-side coverage.
At a glance
Score
—
not yet scored
Valuation
—
valuation pending
Analysts→
Sell
1 analysts · indicative
Ownership→
PNC Investments LLC
largest disclosed fund holder
Profitability→
34,4 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to SCB.GH. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- 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
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
Standard Chartered Bank Ghana PLC (SCB.GH) is a commercial bank operating within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking models. Specific details regarding its operating segments, headquarters location, and primary stock exchange listings are not provided in the available data. Consequently, the firm is described at the industry level as a provider of banking services.
Classification62 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupBanking Services
IndustryBanks
ActivityCommercial Banks
AI synthesis
GENERATEDStandard Chartered Bank Ghana PLC (SCB.GH) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.62 (rule-based classification). Capital structure on the latest snapshot: total assets 14,303,463,000 GHS, total equity 2,052,749,000, short-term debt 0, long-term debt 423,611,000. Net cash position is approximately -423,611,000 GHS. Profitability profile: revenue 1,404,000,000, gross profit 0, operating income 0, net income 716,148,000. Return on equity ~34.4%. Return on assets ~4.9%. Operating-cash-flow to net-income ratio is -2.71. Risk profile from automated assessment: liquidity risk medium, dilution risk low. Flags: Net cash is negative after subtracting total debt.. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup.
Key takeaways
- Return on equity is about 34.4%.
- Debt to equity is about 0.21x.
- Likely peers from the same classification include JPMorgan Chase, Bank of America, Citigroup.
- Analyst estimate: Mean price target = 48.97 GHS
Bull / Bear case
Generated · model-assisted— missing data
In focus — financials by report
Quarterly
Annual
QUARTERLYFiled 2026-04-30
Q1 2026 · Quarter highlights
Revenue GHS 217.6M, −10,1% YoY; Net income −0,4% YoY.
RevenueGHS 217.6M−10,1 % YoY
Operating income—
Net incomeGHS 175.4M−0,4 % YoY
Free cash flowGHS 187.1M−0,7 % YoY
EPS—
Operating cash flow-GHS 3.46B−635,2 % YoY
Financials
Income statement
RevenueGHS 217.6M
Gross profit—
Operating income—
Net incomeGHS 175.4M
Margins
Gross margin—
Operating margin—
Net margin80.6%
FCF margin86.0%
Balance sheet
Total assetsGHS 17.28B
Total liabilitiesGHS 14.28B
Total equityGHS 3.01B
Cash & equivalents—
Long-term debtGHS 371.8M
Cash flow
Operating cash flow-GHS 3.46B
CapEx—
Free cash flowGHS 187.1M
SBC—
Highlights
- ▍Revenue GHS 217.6M, −10,1% YoY
- ▍Net income −0,4% YoY
- ▍Free cash flow −0,7% YoY
- ▍Net margin 80.6%
ANNUALFiled 2026-04-29
FY 2026 · Full-year highlights
Revenue GHS 1.40B, +10,9% YoY; Net income −12,6% YoY.
RevenueGHS 1.40B+10,9 % YoY
Operating income—
Net incomeGHS 716.1M−12,6 % YoY
Free cash flowGHS 360.9M−57,6 % YoY
EPS—
Operating cash flow-GHS 1.91B−142,1 % YoY
Financials
Income statement
RevenueGHS 1.40B
Gross profit—
Operating income—
Net incomeGHS 716.1M
Margins
Gross margin—
Operating margin—
Net margin51.0%
FCF margin25.7%
Balance sheet
Total assetsGHS 14.30B
Total liabilitiesGHS 12.25B
Total equityGHS 2.05B
Cash & equivalents—
Long-term debtGHS 423.6M
Cash flow
Operating cash flow-GHS 1.91B
CapEx-GHS 4.4M
Free cash flowGHS 360.9M
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue GHS 1.40B, +10,9% YoY
- ▍Net income −12,6% YoY
- ▍Free cash flow −57,6% YoY
- ▍Net margin 51.0%
ANNUALFiled 2023-04-27
FY 2023 · Full-year highlights
Revenue GHS 646.4M, +0,9% YoY; Net income −8,7% YoY.
RevenueGHS 646.4M+0,9 % YoY
Operating income—
Net incomeGHS 436.9M−8,7 % YoY
Free cash flowGHS 231.0M−19,1 % YoY
EPS—
Operating cash flowGHS 2.23B+258,8 % YoY
Financials
Income statement
RevenueGHS 646.4M
Gross profit—
Operating income—
Net incomeGHS 436.9M
Margins
Gross margin—
Operating margin—
Net margin67.6%
FCF margin35.7%
Balance sheet
Total assetsGHS 10.12B
Total liabilitiesGHS 8.48B
Total equityGHS 1.64B
Cash & equivalents—
Long-term debtGHS 467.7M
Cash flow
Operating cash flowGHS 2.23B
CapEx-GHS 4.7M
Free cash flowGHS 231.0M
SBC—
Highlights
- ▍Revenue GHS 646.4M, +0,9% YoY
- ▍Net income −8,7% YoY
- ▍Free cash flow −19,1% YoY
- ▍Net margin 67.6%
ANNUALFiled 2022-03-01
FY 2022 · Full-year highlights
Revenue GHS 640.5M; Net margin 74.7%.
RevenueGHS 640.5M
Operating income—
Net incomeGHS 478.3M
Free cash flowGHS 285.6M
EPS—
Operating cash flowGHS 621.6M
Financials
Income statement
RevenueGHS 640.5M
Gross profit—
Operating income—
Net incomeGHS 478.3M
Margins
Gross margin—
Operating margin—
Net margin74.7%
FCF margin44.6%
Balance sheet
Total assetsGHS 8.03B
Total liabilitiesGHS 6.56B
Total equityGHS 1.47B
Cash & equivalents—
Long-term debtGHS 312.7M
Cash flow
Operating cash flowGHS 621.6M
CapEx-GHS 12.0M
Free cash flowGHS 285.6M
SBC—
Highlights
- ▍Revenue GHS 640.5M
- ▍Net margin 74.7%
Valuation FY
Market price
$71,38
Market cap
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Enterprise valueⓘ
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P/Eⓘ
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Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
—
EV / Op incomeⓘ
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EV / OCFⓘ
—
P / Bⓘ
—
P / Tangible bookⓘ
—
Tangible book
$2.05B
Net cashⓘ
-$423.6M
Current ratioⓘ
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Debt / equityⓘ
0.2
ROAⓘ
4.9%
ROEⓘ
34.4%
Cash conversionⓘ
-271.0%
CapEx / revenueⓘ
-0.4%
SBC / revenueⓘ
—
Dilution ratioⓘ
0.0%
Revenue by segment
Consumer & Retail Banking—
low · llm_fanout_v2
Corporate & Institutional Banking—
low · llm_fanout_v2
Fintech Banking Services—
low · llm_fanout_v2
Retail Banking—
low · llm_fanout_v2
Retail Banking Services—
low · llm_fanout_v2
Business relationships
— missing data
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution1 analysts
Strong buy0
Buy0
Hold0
Sell0
Strong sell1
12-month price target$48,97 · Median $48,97
Low $38,00High $59,94
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$38,00
Mean$48,97
Median$48,97
High$59,94
Spot$71,38
−31.4 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskMedium
Filing-based flags
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Net Margin57,0 %Above P75
ROE34,4 %Best in class
Capex / Rev-0,4 %Above P75
D/E0,21Above median
Cash Conv-2,71Bottom quartile
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
How metrics are computed
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Assetsnet_income / total_assets
- Return On Equitynet_income / total_equity
Source documents
- Standard Chartered Bank Ghana PLC Market data — financials · 2026-07-11
- Standard Chartered Bank Ghana PLC Market data — analyst estimates · 2026-07-11
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,00 %$0M
Insider activity
— missing data
Short positioning
— missing data
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
SCB.GHCanonical
— · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskMedium
Net cash is negative after subtracting total debt.
Relationship graph
This companyPeerSector
Evidence & claims
From filings & derived data— missing data
The Thread
Everything we know, in order2026-04-30 20:24 UTCEARNINGSQuarterly results — Q1 2026 Revenue GHS 217.6M · Net GHS 175.4M
2026-04-29 20:24 UTCEARNINGSAnnual results — FY 2026 Revenue GHS 1.40B · Net GHS 716.1M
2023-04-27 06:54 UTCEARNINGSAnnual results — FY 2023 Revenue GHS 646.4M · Net GHS 436.9M
2022-03-01 07:08 UTCEARNINGSAnnual results — FY 2022 Revenue GHS 640.5M · Net GHS 478.3M
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data
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