All companies · BRVM · Banking
BICICI (BICC)
Graham-inspired analysis adapted to available modern market data.
Overview
Last price
31,305 XOF
Where does this figure come from?
- price · Oct 2, 2026 · 31,305 XOF — BICC market quote (delayed), Stock Analysis source
As of Oct 2, 2026
Currency
XOF
Market: BRVM
Estimated Fundamental Value
18,885 XOF – 21,910 XOF
estimated range
Value Score
69/100
Financial Strength
19/20
Shareholders' equity grew 13.9 % per year between 2021 and 2025.
Where does this figure come from?
- equity · 2021 · 71,522 M XOF — BICC balance sheet, aggregated by Stock Analysis source
- equity · 2022 · 74,313 M XOF — BICC balance sheet, aggregated by Stock Analysis source
- equity · 2023 · 83,574 M XOF — BICC balance sheet, aggregated by Stock Analysis source
- equity · 2024 · 99,783 M XOF — BICC balance sheet, aggregated by Stock Analysis source
- equity · 2025 · 120,570 M XOF — BICC balance sheet, aggregated by Stock Analysis source
Earnings Quality & Stability
20/20
Net income rose in 4 of 4 reported year-on-year transitions, averaging 40.0 %.
Where does this figure come from?
- net income · 2021 · 9,603 M XOF — BICC financial statements, aggregated by Stock Analysis source
- net income · 2022 · 12,391 M XOF — BICC financial statements, aggregated by Stock Analysis source
- net income · 2023 · 16,694 M XOF — BICC financial statements, aggregated by Stock Analysis source
- net income · 2024 · 26,226 M XOF — BICC financial statements, aggregated by Stock Analysis source
- net income · 2025 · 36,520 M XOF — BICC financial statements, aggregated by Stock Analysis source
Profitability
15/15
Net margin of 45.9 % in 2025.
Where does this figure come from?
- net income · 2021 · 9,603 M XOF — BICC financial statements, aggregated by Stock Analysis source
- net income · 2022 · 12,391 M XOF — BICC financial statements, aggregated by Stock Analysis source
- net income · 2023 · 16,694 M XOF — BICC financial statements, aggregated by Stock Analysis source
- net income · 2024 · 26,226 M XOF — BICC financial statements, aggregated by Stock Analysis source
- net income · 2025 · 36,520 M XOF — BICC financial statements, aggregated by Stock Analysis source
- revenue · 2021 · 44,167 M XOF — BICC FY2021 PNB (produit net bancaire), BRVM official company filing source
- revenue · 2022 · 47,275 M XOF — BICC FY2022 PNB (produit net bancaire), BRVM official company filing source
- revenue · 2023 · 55,506 M XOF — BICC FY2023 PNB (produit net bancaire), BRVM official company filing source
- revenue · 2024 · 68,063 M XOF — BICC FY2024–2025 PNB (produit net bancaire), BRVM official company filing source
- revenue · 2025 · 79,563 M XOF — BICC FY2024–2025 PNB (produit net bancaire), BRVM official company filing source
Dividend Record
15/15
A dividend was paid in 5 of the last 5 recorded years (2021–2025).
Where does this figure come from?
- dps · 2021 · 576 XOF/share — BICC FY2021 dividend (gross), Bloom Afrik (published company data) source
- dps · 2022 · 446.44 XOF/share — BICC FY2022 dividend (gross), Bloom Afrik (published company data) source
- dps · 2023 · 601 XOF/share — BICC FY2023 dividend (gross), Bloom Afrik (published company data) source
- dps · 2024 · 944 XOF/share — BICC FY2024 dividend (gross), Bloom Afrik (published company data) source
- dps · 2025 · 1,315 XOF/share — BICC FY2025 dividend (gross), Bloom Afrik (published company data) source
Valuation
0/30
Market price sits 53.5 % above the estimated value midpoint.
Where does this figure come from?
- eps · 2021 · 576.18 XOF/share — BICC financial statements, aggregated by Stock Analysis source
- eps · 2022 · 743.46 XOF/share — BICC financial statements, aggregated by Stock Analysis source
- eps · 2023 · 1,001.64 XOF/share — BICC financial statements, aggregated by Stock Analysis source
- eps · 2025 · 2,191 XOF/share — BICC FY2025 EPS (BPA 2 191 F), Bloom Afrik (published company data) source
- equity · 2021 · 71,522 M XOF — BICC balance sheet, aggregated by Stock Analysis source
- equity · 2022 · 74,313 M XOF — BICC balance sheet, aggregated by Stock Analysis source
- equity · 2023 · 83,574 M XOF — BICC balance sheet, aggregated by Stock Analysis source
- equity · 2024 · 99,783 M XOF — BICC balance sheet, aggregated by Stock Analysis source
- equity · 2025 · 120,570 M XOF — BICC balance sheet, aggregated by Stock Analysis source
- price · Oct 2, 2026 · 31,305 XOF — BICC market quote (delayed), Stock Analysis source
- shares · latest · 16,666,670 shares — BICC market quote (delayed), Stock Analysis source
Show the calculation
Source Trail
- Result
- 69/100 Value Score
- Formula
- Sum of five sub-scores: Financial Strength 20, Earnings Quality & Stability 20, Profitability 15, Dividend Record 15, Valuation 30.
- Currency
- XOF
Assumptions
- Weights are fixed and documented; no criterion is weighted dynamically.
Figures used
Limitations
- A criterion with unavailable data contributes no points, so the score reads conservative.
Last updated 2026-10-05 · Every figure here can be checked.
Financials
Every figure links to its source. Missing figures are shown as unavailable, never estimated.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue (M XOF) | 44,167 | 47,275 | 55,506 | 68,063 | 79,563 |
| Net income (M XOF) | 9,603 | 12,391 | 16,694 | 26,226 | 36,520 |
| EPS (XOF) | 576.18 | 743.46 | 1,001.64 | Data unavailable | 2,191 |
| Equity (M XOF) | 71,522 | 74,313 | 83,574 | 99,783 | 120,570 |
| Dividend paid (XOF) | 576 | 446.44 | 601 | 944 | 1,315 |
Where does this figure come from?
- dps · 2021 · 576 XOF/share — BICC FY2021 dividend (gross), Bloom Afrik (published company data) source
- dps · 2022 · 446.44 XOF/share — BICC FY2022 dividend (gross), Bloom Afrik (published company data) source
- dps · 2023 · 601 XOF/share — BICC FY2023 dividend (gross), Bloom Afrik (published company data) source
- dps · 2024 · 944 XOF/share — BICC FY2024 dividend (gross), Bloom Afrik (published company data) source
- dps · 2025 · 1,315 XOF/share — BICC FY2025 dividend (gross), Bloom Afrik (published company data) source
- eps · 2021 · 576.18 XOF/share — BICC financial statements, aggregated by Stock Analysis source
- eps · 2022 · 743.46 XOF/share — BICC financial statements, aggregated by Stock Analysis source
- eps · 2023 · 1,001.64 XOF/share — BICC financial statements, aggregated by Stock Analysis source
- eps · 2025 · 2,191 XOF/share — BICC FY2025 EPS (BPA 2 191 F), Bloom Afrik (published company data) source
- equity · 2021 · 71,522 M XOF — BICC balance sheet, aggregated by Stock Analysis source
- equity · 2022 · 74,313 M XOF — BICC balance sheet, aggregated by Stock Analysis source
- equity · 2023 · 83,574 M XOF — BICC balance sheet, aggregated by Stock Analysis source
- equity · 2024 · 99,783 M XOF — BICC balance sheet, aggregated by Stock Analysis source
- equity · 2025 · 120,570 M XOF — BICC balance sheet, aggregated by Stock Analysis source
- net income · 2021 · 9,603 M XOF — BICC financial statements, aggregated by Stock Analysis source
- net income · 2022 · 12,391 M XOF — BICC financial statements, aggregated by Stock Analysis source
- net income · 2023 · 16,694 M XOF — BICC financial statements, aggregated by Stock Analysis source
- net income · 2024 · 26,226 M XOF — BICC financial statements, aggregated by Stock Analysis source
- net income · 2025 · 36,520 M XOF — BICC financial statements, aggregated by Stock Analysis source
- revenue · 2021 · 44,167 M XOF — BICC FY2021 PNB (produit net bancaire), BRVM official company filing source
- revenue · 2022 · 47,275 M XOF — BICC FY2022 PNB (produit net bancaire), BRVM official company filing source
- revenue · 2023 · 55,506 M XOF — BICC FY2023 PNB (produit net bancaire), BRVM official company filing source
- revenue · 2024 · 68,063 M XOF — BICC FY2024–2025 PNB (produit net bancaire), BRVM official company filing source
- revenue · 2025 · 79,563 M XOF — BICC FY2024–2025 PNB (produit net bancaire), BRVM official company filing source
Full analysis
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Graham Analysis
Graham Number: the classic defensive price ceiling from earnings and book value.
18,885 XOF
Show the calculation
Source Trail
- Result
- 18,885 XOF
- Formula
- √(22.5 × EPS × Book value per share)
- Currency
- XOF
Assumptions
- 22.5 = Graham’s 15 × 1.5 ceiling (P/E 15, price-to-book 1.5).
Figures used
- eps · 2025 · 2,191 XOF/share — BICC FY2025 EPS (BPA 2 191 F), Bloom Afrik (published company data) source (reported)
- equity · 2025 · 120,570 M XOF — BICC balance sheet, aggregated by Stock Analysis source (aggregated)
- shares · latest · 16,666,670 shares — BICC market quote (delayed), Stock Analysis source (aggregated)
Limitations
- The Graham Number is a defensive screen, not a fair value estimate.
Last updated 2026-10-05 · Every figure here can be checked.
Book value per share: 7,234 XOF (2025 equity ÷ shares outstanding)
Estimated Fundamental Value
A range across documented methods, next to the market price.
18,885 XOF – 21,910 XOF
Show the calculation
Source Trail
- Result
- 18,885 XOF – 21,910 XOF (estimated)
- Formula
- Method 1: √(22.5 × EPS × BVPS). Method 2: EPS ÷ 10% required return. Range spans the computed methods; midpoint averages them.
- Currency
- XOF
Assumptions
- Required return of 10 % per year for the capitalized-earnings method.
Figures used
- eps · 2025 · 2,191 XOF/share — BICC FY2025 EPS (BPA 2 191 F), Bloom Afrik (published company data) source (reported)
- equity · 2025 · 120,570 M XOF — BICC balance sheet, aggregated by Stock Analysis source (aggregated)
- shares · latest · 16,666,670 shares — BICC market quote (delayed), Stock Analysis source (aggregated)
Limitations
- The range is only as good as the latest reported EPS and book value; it is not a forecast of price.
Last updated 2026-10-05 · Every figure here can be checked.
Margin of Safety
Market price
31,305 XOF
Estimated Fundamental Value (midpoint)
20,398 XOF
Margin of Safety
-53.5%
Show the calculation
Source Trail
- Result
- -53.5% estimated margin of safety
- Formula
- (Estimated value midpoint − market price) ÷ estimated value midpoint
- Currency
- XOF
Figures used
- eps · 2021 · 576.18 XOF/share — BICC financial statements, aggregated by Stock Analysis source (aggregated)
- eps · 2022 · 743.46 XOF/share — BICC financial statements, aggregated by Stock Analysis source (aggregated)
- eps · 2023 · 1,001.64 XOF/share — BICC financial statements, aggregated by Stock Analysis source (aggregated)
- eps · 2025 · 2,191 XOF/share — BICC FY2025 EPS (BPA 2 191 F), Bloom Afrik (published company data) source (reported)
- equity · 2021 · 71,522 M XOF — BICC balance sheet, aggregated by Stock Analysis source (aggregated)
- equity · 2022 · 74,313 M XOF — BICC balance sheet, aggregated by Stock Analysis source (aggregated)
- equity · 2023 · 83,574 M XOF — BICC balance sheet, aggregated by Stock Analysis source (aggregated)
- equity · 2024 · 99,783 M XOF — BICC balance sheet, aggregated by Stock Analysis source (aggregated)
- equity · 2025 · 120,570 M XOF — BICC balance sheet, aggregated by Stock Analysis source (aggregated)
- price · Oct 2, 2026 · 31,305 XOF — BICC market quote (delayed), Stock Analysis source (quoted)
- shares · latest · 16,666,670 shares — BICC market quote (delayed), Stock Analysis source (aggregated)
Limitations
- A negative margin of safety means the market price is above the estimated value midpoint.
Last updated 2026-10-05 · Every figure here can be checked.
Actions
Simulation only — no real money is involved.