Bank CenterCredit JSC is a Kazakhstan based commercial bank. Its business is divided into three segments including corporate banking, retail banking, and investment banking. Corporate banking offers direct debit facilities, current accounts, deposits, overdrafts, loans and other credit facilities. Retail banking provides private banking services, private customer current accounts, saving deposits, investment saving products, custody, credit and debit cards, consumer loans and mortgages. Investment banking offers financial instrument trading, structured financing, money market operations, foreign currency and derivative products, brokerage and asset management services, merger and acquisitions advice, and provision of funding through the issue of debt securities and attracting loans.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	5.49
Equity-to-Asset	0.08
Debt-to-Equity	0.61
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.7	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

7/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	53
	3-Year EPS without NRI Growth Rate	110.7
	3-Year FCF Growth Rate	-58.7
	3-Year Book Growth Rate	42.2

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	74.92
	9-Day RSI	61.4
	14-Day RSI	57.68
	6-1 Month Momentum %	83.91
	12-1 Month Momentum %	132.88

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-3.4
	Shareholder Yield %	-0.11

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	37.8
	FCF Margin %	5.17
	ROE %	39.36
	ROA %	2.88
	Years of Profitability over Past 10-Year	10

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	2.19
	PE Ratio without NRI	2.15
	Shiller PE Ratio	7.57
	Price-to-Owner-Earnings	2.17
	PEG Ratio	0.08
	PS Ratio	0.83
	PB Ratio	0.71
	Price-to-Tangible-Book	0.74
	Price-to-Free-Cash-Flow	16.52
	Price-to-Operating-Cash-Flow	8.43
	EV-to-Revenue	-2.36
	EV-to-FCF	-45.58
	Price-to-Projected-FCF	0.07
	Price-to-DCF (Earnings Based)	0.07
	Price-to-DCF (FCF Based)	1.43
	Price-to-Peter-Lynch-Fair-Value	0.09
	Price-to-Graham-Number	0.27
	FCF Yield %	6.24
	Forward Rate of Return (Yacktman) %	126.67

GF Value: ₸1256.68

XKAZ:CCBN

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