All companies · BRVM · Banking
Société Générale Côte d’Ivoire (SGBC)
Graham-inspired analysis adapted to available modern market data.
Overview
Last price
39,995 XOF
Where does this figure come from?
- price · Oct 2, 2026 · 39,995 XOF — SGBC market quote (delayed), Stock Analysis source
As of Oct 2, 2026
Currency
XOF
Market: BRVM
Estimated Fundamental Value
32,577 XOF – 34,155 XOF
estimated range
Value Score
67/100
Financial Strength
17/20
Shareholders' equity grew 12.9 % per year between 2021 and 2025.
Where does this figure come from?
- equity · 2021 · 304,993 M XOF — SGBC balance sheet, aggregated by Stock Analysis source
- equity · 2022 · 345,009 M XOF — SGBC balance sheet, aggregated by Stock Analysis source
- equity · 2023 · 403,973 M XOF — SGBC balance sheet, aggregated by Stock Analysis source
- equity · 2024 · 451,721 M XOF — SGBC balance sheet, aggregated by Stock Analysis source
- equity · 2025 · 495,113 M XOF — SGBC 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 11.3 %.
Where does this figure come from?
- net income · 2021 · 67,438 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- net income · 2022 · 74,612 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- net income · 2023 · 97,230 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- net income · 2024 · 101,228 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- net income · 2025 · 101,352 M XOF — SGBC financial statements, aggregated by Stock Analysis source
Profitability
15/15
Net margin of 30.4 % in 2025.
Where does this figure come from?
- net income · 2021 · 67,438 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- net income · 2022 · 74,612 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- net income · 2023 · 97,230 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- net income · 2024 · 101,228 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- net income · 2025 · 101,352 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- revenue · 2021 · 233,222 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- revenue · 2022 · 265,828 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- revenue · 2023 · 304,182 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- revenue · 2024 · 321,516 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- revenue · 2025 · 333,450 M XOF — SGBC financial statements, aggregated by Stock Analysis source
Dividend Record
15/15
A dividend was paid in 5 of the last 5 recorded years (2022–2026).
Where does this figure come from?
- dps · 2022 · 1,004.93 XOF/share — SGBC dividend history, Stock Analysis source
- dps · 2023 · 1,230 XOF/share — SGBC dividend history, Stock Analysis source
- dps · 2024 · 1,553.85 XOF/share — SGBC dividend history, Stock Analysis source
- dps · 2025 · 1,863 XOF/share — SGBC dividend history, Stock Analysis source
- dps · 2026 · 2,606 XOF/share — SGBC dividend history, Stock Analysis source
Valuation
0/30
Market price sits 19.9 % above the estimated value midpoint.
Where does this figure come from?
- eps · 2021 · 2,167.65 XOF/share — SGBC financial statements, aggregated by Stock Analysis source
- eps · 2022 · 2,398.24 XOF/share — SGBC financial statements, aggregated by Stock Analysis source
- eps · 2023 · 3,125.25 XOF/share — SGBC financial statements, aggregated by Stock Analysis source
- eps · 2024 · 3,253.76 XOF/share — SGBC financial statements, aggregated by Stock Analysis source
- eps · 2025 · 3,257.74 XOF/share — SGBC financial statements, aggregated by Stock Analysis source
- equity · 2021 · 304,993 M XOF — SGBC balance sheet, aggregated by Stock Analysis source
- equity · 2022 · 345,009 M XOF — SGBC balance sheet, aggregated by Stock Analysis source
- equity · 2023 · 403,973 M XOF — SGBC balance sheet, aggregated by Stock Analysis source
- equity · 2024 · 451,721 M XOF — SGBC balance sheet, aggregated by Stock Analysis source
- equity · 2025 · 495,113 M XOF — SGBC balance sheet, aggregated by Stock Analysis source
- price · Oct 2, 2026 · 39,995 XOF — SGBC market quote (delayed), Stock Analysis source
- shares · latest · 31,110,000 shares — SGBC market quote (delayed), Stock Analysis source
Show the calculation
Source Trail
- Result
- 67/100 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) | 233,222 | 265,828 | 304,182 | 321,516 | 333,450 |
| Net income (M XOF) | 67,438 | 74,612 | 97,230 | 101,228 | 101,352 |
| EPS (XOF) | 2,167.65 | 2,398.24 | 3,125.25 | 3,253.76 | 3,257.74 |
| Equity (M XOF) | 304,993 | 345,009 | 403,973 | 451,721 | 495,113 |
| Dividend paid (XOF) | Data unavailable | 1,004.93 | 1,230 | 1,553.85 | 1,863 |
Where does this figure come from?
- dps · 2022 · 1,004.93 XOF/share — SGBC dividend history, Stock Analysis source
- dps · 2023 · 1,230 XOF/share — SGBC dividend history, Stock Analysis source
- dps · 2024 · 1,553.85 XOF/share — SGBC dividend history, Stock Analysis source
- dps · 2025 · 1,863 XOF/share — SGBC dividend history, Stock Analysis source
- dps · 2026 · 2,606 XOF/share — SGBC dividend history, Stock Analysis source
- eps · 2021 · 2,167.65 XOF/share — SGBC financial statements, aggregated by Stock Analysis source
- eps · 2022 · 2,398.24 XOF/share — SGBC financial statements, aggregated by Stock Analysis source
- eps · 2023 · 3,125.25 XOF/share — SGBC financial statements, aggregated by Stock Analysis source
- eps · 2024 · 3,253.76 XOF/share — SGBC financial statements, aggregated by Stock Analysis source
- eps · 2025 · 3,257.74 XOF/share — SGBC financial statements, aggregated by Stock Analysis source
- equity · 2021 · 304,993 M XOF — SGBC balance sheet, aggregated by Stock Analysis source
- equity · 2022 · 345,009 M XOF — SGBC balance sheet, aggregated by Stock Analysis source
- equity · 2023 · 403,973 M XOF — SGBC balance sheet, aggregated by Stock Analysis source
- equity · 2024 · 451,721 M XOF — SGBC balance sheet, aggregated by Stock Analysis source
- equity · 2025 · 495,113 M XOF — SGBC balance sheet, aggregated by Stock Analysis source
- net income · 2021 · 67,438 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- net income · 2022 · 74,612 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- net income · 2023 · 97,230 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- net income · 2024 · 101,228 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- net income · 2025 · 101,352 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- revenue · 2021 · 233,222 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- revenue · 2022 · 265,828 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- revenue · 2023 · 304,182 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- revenue · 2024 · 321,516 M XOF — SGBC financial statements, aggregated by Stock Analysis source
- revenue · 2025 · 333,450 M XOF — SGBC financial statements, aggregated by Stock Analysis source
Full analysis
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Graham Analysis
Graham Number: the classic defensive price ceiling from earnings and book value.
34,155 XOF
Show the calculation
Source Trail
- Result
- 34,155 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 · 3,257.74 XOF/share — SGBC financial statements, aggregated by Stock Analysis source (aggregated)
- equity · 2025 · 495,113 M XOF — SGBC balance sheet, aggregated by Stock Analysis source (aggregated)
- shares · latest · 31,110,000 shares — SGBC 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: 15,915 XOF (2025 equity ÷ shares outstanding)
Estimated Fundamental Value
A range across documented methods, next to the market price.
32,577 XOF – 34,155 XOF
Show the calculation
Source Trail
- Result
- 32,577 XOF – 34,155 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 · 3,257.74 XOF/share — SGBC financial statements, aggregated by Stock Analysis source (aggregated)
- equity · 2025 · 495,113 M XOF — SGBC balance sheet, aggregated by Stock Analysis source (aggregated)
- shares · latest · 31,110,000 shares — SGBC 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
39,995 XOF
Estimated Fundamental Value (midpoint)
33,366 XOF
Margin of Safety
-19.9%
Show the calculation
Source Trail
- Result
- -19.9% estimated margin of safety
- Formula
- (Estimated value midpoint − market price) ÷ estimated value midpoint
- Currency
- XOF
Figures used
- eps · 2021 · 2,167.65 XOF/share — SGBC financial statements, aggregated by Stock Analysis source (aggregated)
- eps · 2022 · 2,398.24 XOF/share — SGBC financial statements, aggregated by Stock Analysis source (aggregated)
- eps · 2023 · 3,125.25 XOF/share — SGBC financial statements, aggregated by Stock Analysis source (aggregated)
- eps · 2024 · 3,253.76 XOF/share — SGBC financial statements, aggregated by Stock Analysis source (aggregated)
- eps · 2025 · 3,257.74 XOF/share — SGBC financial statements, aggregated by Stock Analysis source (aggregated)
- equity · 2021 · 304,993 M XOF — SGBC balance sheet, aggregated by Stock Analysis source (aggregated)
- equity · 2022 · 345,009 M XOF — SGBC balance sheet, aggregated by Stock Analysis source (aggregated)
- equity · 2023 · 403,973 M XOF — SGBC balance sheet, aggregated by Stock Analysis source (aggregated)
- equity · 2024 · 451,721 M XOF — SGBC balance sheet, aggregated by Stock Analysis source (aggregated)
- equity · 2025 · 495,113 M XOF — SGBC balance sheet, aggregated by Stock Analysis source (aggregated)
- price · Oct 2, 2026 · 39,995 XOF — SGBC market quote (delayed), Stock Analysis source (quoted)
- shares · latest · 31,110,000 shares — SGBC 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.