)
Visual
test
Equity Group
Equity Group (EQTY) investor relations material
Equity Group 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 rose 32% year-over-year to KES 54.1 billion, driven by diversified revenue, efficiency gains, and strong regional performance.
Achieved 7% year-over-year balance sheet growth to KES 1.82 trillion, supported by increased shareholders' funds and steady loan book expansion.
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
Net interest income grew 16% to KES 93.5 billion; non-funded income increased 3% to KES 63 billion.
Total income up 10% to KES 156 billion; cost-income ratio improved to 50.6%.
Provisions for loan losses decreased by 9%, and staff costs rose 19% due to talent investment.
Return on assets at 4.1% and return on equity at 26.4%.
NPL ratio improved from 14% to 12.1%, with coverage rising to 71%.
Outlook and guidance
2025 guidance targets met or exceeded: loan growth at 7.5%, NIM at 8.6%, ROAE at 26.4%, and ROAA at 4.1%.
Focus on unlocking balance sheet by migrating cash to loans, targeting a loan-to-deposit ratio increase from 64% toward 85%.
Expectation to reduce NPLs below 10% by year-end and sustain efficiency-driven profit growth.
Continued investment in technology and digital platforms to drive future growth.
Management highlights ongoing investment in customer-centric initiatives.
Close loan book gaps and customer conversion
Leverage regional growth and subsidiary competition
Monetize tech and digital insurance investments
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- TECH
Flat revenue, margin expansion, and strong pharma/Asia growth amid mixed segment trends. - BV
Revenue up 2.6%-3% to $615M, net loss widens, guidance reaffirmed for 2026. - ENT
Record 2025 revenue and EBITDA, strong cash returns, and robust 2026–2027 outlook. - SANSERA
Q1 FY25 delivered double-digit growth, margin expansion, and a record order book despite global headwinds. - JKHY
Record revenue, margin, and EPS growth drive raised guidance and strong segment momentum. - IEX
Record HST-driven growth and margin gains support 2026 outlook amid industrial headwinds. - KREF
Net loss for 2025, but strong liquidity, portfolio repositioning, and active capital management. - ODFL
Q4 revenue and earnings declined, but yield, service, and capital returns remained strong. - ORN
Acquisition expands marine construction scale and reach, supporting long-term profitable growth. - THG
Record earnings, improved underwriting, and strong capital actions drive robust 2025 results.
Next Equity Group earnings date
Q4 202527 Mar, 2026
Equity Group
Next Equity Group earnings date
Q4 202527 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage