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Equity Group Holdings (EQTY) investor relations material
Equity Group Holdings Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary11 Nov, 2025
Executive summary
Profit after tax surged 32% year-over-year to Kshs 54.1 billion, driven by diversified revenue, efficiency gains, and strong regional performance.
Total assets reached Shs 1.82 trillion as of September 30, 2025, up from Shs 1.70 trillion a year earlier, reflecting robust balance sheet growth.
Regional subsidiaries contributed 45% of profit before tax and 42% of profit after tax, with notable growth in DRC, Rwanda, Uganda, and Tanzania.
Insurance business expanded rapidly, with gross written premiums up 71% and profit before tax up 36%.
Technology investments enabled 98% of transactions outside branches, with 87.4% on digital channels.
Financial highlights
Total assets grew 7% year-over-year to Kshs 1.82 trillion.
Net loans increased 7% to Kshs 859.8 billion; customer deposits rose 2% to Kshs 1.35 trillion.
Net interest income up 16% to Kshs 93.5 billion; non-funded income up 3% to Kshs 62.8 billion.
Profit before tax rose 29% to Kshs 65.6 billion; profit after tax up 32% to Kshs 54.1 billion.
Earnings per share (basic & diluted) for the period was Shs 13.81, up from Shs 8.83 year-over-year.
Outlook and guidance
2025 guidance targets largely met or exceeded: loan growth at 7.5% (guidance 5–10%), NIM at 8.6% (guidance 7.3–7.8%), ROAE at 26.4% (guidance 25–30%), and ROAA at 4.1% (guidance 3.2–3.7%).
NPL ratio at 12.1%, above guidance of 8–10%.
The group continues to maintain strong capital and liquidity positions, supporting future growth and resilience.
Focus remains on digital transformation, regional expansion, and MSME leadership.
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Frequently asked questions
Equity Group Holdings Plc is a Kenya-based financial services company offering banking, insurance, investment, and related financial solutions. The company provides retail and corporate banking services, including loans, deposits, payments, treasury services, and digital banking solutions. It operates through a network of branches, ATMs, mobile banking, and online platforms across several African countries. Equity Group also offers asset management and microfinance services through its subsidiaries. The company is headquartered in Nairobi, Kenya, and its shares are listed on the NSE.
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