Zbfh.Zi
ZBFH.ZI operates in the banking sector, providing corporate financial services, and generates revenue primarily through net interest income and fee-based services.
Business. ZBFH.ZI operates in the banking sector, providing corporate financial services, and generates revenue primarily through net interest income and fee-based services.
Analyst recommendations
1 analysts · consensus BuyAt a glance
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.
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Upcoming catalysts
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- 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
ZBFH.ZI operates in the banking sector, providing corporate financial services, and generates revenue primarily through net interest income and fee-based services.
ZBFH.ZI maintains a strong liquidity position, with a debt-to-equity ratio of 0.06, indicating a conservative capital structure. The company's free cash flow of 923,767,060 ZWG supports its operational flexibility and capacity to fund dividends or reinvest in growth opportunities. The return on equity of 21.89% and return on assets of 7.25% suggest that the company is effectively utilizing its equity and asset base to generate returns, outperforming the median for its industry.
The company's profitability is further underscored by its net income of 1,033,604,590 ZWG, which reflects its ability to manage costs and maintain healthy margins. This performance is in line with the preferred metrics for the Corporate Financial Services industry, which emphasize asset efficiency and risk-adjusted returns. The operating cash flow of 276,337,390 ZWG supports the company's ongoing operations and contributes to its liquidity position.
ZBFH.ZI's revenue is concentrated in its core banking operations, with no disclosed geographic diversification. This concentration may expose the company to regional economic fluctuations, but it also allows for focused operational expertise and customer relationships. The company's capital expenditure of -321,700,800 ZWG indicates a net outflow, which may be related to investments in technology or infrastructure to support long-term growth.
Looking ahead, ZBFH.ZI is projected to maintain a stable growth trajectory, supported by its strong liquidity and profitability. The company's free cash flow and operating cash flow provide a buffer against economic downturns and support its ability to fund future growth initiatives. Analysts have provided a mean price target of 0.49 ZWG, with a single "buy" recommendation, indicating a generally positive outlook.
The company faces moderate liquidity risk due to its negative net cash position after subtracting total debt. However, the low dilution risk and the absence of near-term dilution pressures suggest that the company is not likely to issue additional shares in the near future. The risk assessment highlights the importance of monitoring the company's liquidity position to ensure it remains resilient to market volatility.
Recent filings and transcripts indicate that ZBFH.ZI is focused on maintaining its competitive position in the corporate financial services market. The company is investing in digital transformation to enhance customer experience and operational efficiency. These initiatives are expected to drive long-term value creation and support the company's growth objectives.
- ZBFH.ZI has a strong liquidity position with a low debt-to-equity ratio of 0.06.
- The company's return on equity of 21.89% and return on assets of 7.25% indicate effective asset and equity utilization.
- ZBFH.ZI's revenue is concentrated in its core banking operations, with no disclosed geographic diversification.
- Analysts have provided a generally positive outlook, with a mean price target of 0.49 ZWG and a single "buy" recommendation.
- The company faces moderate liquidity risk but has low dilution risk and no near-term dilution pressures.
Bull / Bear case
analysis pipelineIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 0,18 |
| Revenue | —no estimate | —no estimate | —no estimate |
| Operating income | —no estimate | —no estimate | —no estimate |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
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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
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
- ZBFH.ZI Market data — financials · 2026-05-30
- ZB Financial Holdings Ltd Market data — analyst estimates · 2026-05-30