{ "signal": "certvas-fundamentals-factors-v1", "name": "Certvas Fundamentals-Factors Signal", "version": "v1", "sku": "AF-FUND", "label": "Published for research and informational use. Not administered as, and not for use as, a regulated benchmark.", "grain": "issuer_fiscal_year", "point_in_time": "factors use as-reported (first-vintage) values; observed_at = knowable date", "snapshot_hash": "2fc35f42a6046c16", "caveats": [ "Ratios (net margin, ROE, ROA, asset turnover, equity ratio) are within-issuer and thus currency-neutral; growth factors are NOMINAL in each issuer's own reporting currency and mix inflation regimes \u2014 use the ratios for cross-issuer comparisons.", "Point-in-time: factors use the AS-REPORTED (first-vintage) value per line item, so a backtest as-of date sees only what was filed by then (no look-ahead). observed_at is when the factor became knowable.", "A factor is null when its inputs are missing (e.g. ROE/ROA need a balance sheet). A row ships only when net margin (revenue + net income) is computable.", "Growth on a near-zero or negative prior-year base is unstable; treat large growth magnitudes with care." ], "observations": [ { "dataco_id": "DC01480EEDA52A17CF0FFE2A22", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 12.09, "roe_pct": 31.46, "roa_pct": 17.32, "asset_turnover": 1.4327, "equity_ratio_pct": 55.07, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-02" }, { "dataco_id": "DC0288E6A1E304761863C05D43", "fiscal_year": 2017, "currency": "KES", "net_margin_pct": 12.34, "roe_pct": 16.05, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-31" }, { "dataco_id": "DC0288E6A1E304761863C05D43", "fiscal_year": 2019, "currency": "KES", "net_margin_pct": 9.46, "roe_pct": 10.98, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-31" }, { "dataco_id": "DC06AEF03D3BC1C05CF0363221", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 3.97, "roe_pct": 10.47, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-04" }, { "dataco_id": "DC0B1D630D12ACA061B9C3CDCC", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 11.96, "roe_pct": 5.02, "roa_pct": 4.44, "asset_turnover": 0.371, "equity_ratio_pct": 88.43, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-05" }, { "dataco_id": "DC0C5AC9133ECEC0EA5960CFE1", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 8.32, "roe_pct": 32.6, "roa_pct": 7.89, "asset_turnover": 0.948, "equity_ratio_pct": 24.19, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-05" }, { "dataco_id": "DC0F5DE1F117EC1F90C55EFE32", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": -11.16, "roe_pct": -112.26, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-02" }, { "dataco_id": "DC0F5DE1F117EC1F90C55EFE32", "fiscal_year": 2026, "currency": "NGN", "net_margin_pct": 1.08, "roe_pct": 10.94, "roa_pct": 1.22, "asset_turnover": 1.1237, "equity_ratio_pct": 11.15, "revenue_growth_yoy_pct": 12.48, "earnings_growth_yoy_pct": -110.94, "observed_at": "2026-09-01" }, { "dataco_id": "DC13E4DE6F7A548635DE11EDEA", "fiscal_year": 2022, "currency": "KES", "net_margin_pct": 25.27, "roe_pct": 2.51, "roa_pct": 1.51, "asset_turnover": 0.0598, "equity_ratio_pct": 60.2, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-24" }, { "dataco_id": "DC13E4DE6F7A548635DE11EDEA", "fiscal_year": 2023, "currency": "KES", "net_margin_pct": -45.93, "roe_pct": -7.06, "roa_pct": -4.14, "asset_turnover": 0.0901, "equity_ratio_pct": 58.61, "revenue_growth_yoy_pct": 37.81, "earnings_growth_yoy_pct": -350.46, "observed_at": "2026-08-24" }, { "dataco_id": "DC17ACF450A593947F494063C3", "fiscal_year": 2017, "currency": "KES", "net_margin_pct": 12.91, "roe_pct": 2.13, "roa_pct": 1.96, "asset_turnover": 0.152, "equity_ratio_pct": 92.17, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-29" }, { "dataco_id": "DC17ACF450A593947F494063C3", "fiscal_year": 2019, "currency": "KES", "net_margin_pct": 1.47, "roe_pct": 0.31, "roa_pct": 0.28, "asset_turnover": 0.1906, "equity_ratio_pct": 89.88, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-29" }, { "dataco_id": "DC17ACF450A593947F494063C3", "fiscal_year": 2020, "currency": "KES", "net_margin_pct": -143.96, "roe_pct": -8.41, "roa_pct": -7.38, "asset_turnover": 0.0513, "equity_ratio_pct": 87.69, "revenue_growth_yoy_pct": -72.93, "earnings_growth_yoy_pct": -2744.39, "observed_at": "2026-08-29" }, { "dataco_id": "DC17ACF450A593947F494063C3", "fiscal_year": 2021, "currency": "KES", "net_margin_pct": 1.25, "roe_pct": 0.17, "roa_pct": 0.16, "asset_turnover": 0.1251, "equity_ratio_pct": 90.43, "revenue_growth_yoy_pct": 187.24, "earnings_growth_yoy_pct": -102.5, "observed_at": "2026-08-24" }, { "dataco_id": "DC17ACF450A593947F494063C3", "fiscal_year": 2022, "currency": "KES", "net_margin_pct": 5.89, "roe_pct": 0.71, "roa_pct": 0.65, "asset_turnover": 0.1097, "equity_ratio_pct": 90.51, "revenue_growth_yoy_pct": 1.84, "earnings_growth_yoy_pct": 378.69, "observed_at": "2026-08-24" }, { "dataco_id": "DC17ACF450A593947F494063C3", "fiscal_year": 2023, "currency": "KES", "net_margin_pct": 4.65, "roe_pct": 0.92, "roa_pct": 0.77, "asset_turnover": 0.1648, "equity_ratio_pct": 83.04, "revenue_growth_yoy_pct": 64.73, "earnings_growth_yoy_pct": 29.93, "observed_at": "2026-08-24" }, { "dataco_id": "DC17ACF450A593947F494063C3", "fiscal_year": 2024, "currency": "KES", "net_margin_pct": 4.81, "roe_pct": 0.64, "roa_pct": 0.52, "asset_turnover": 0.1085, "equity_ratio_pct": 81.75, "revenue_growth_yoy_pct": -18.64, "earnings_growth_yoy_pct": -15.82, "observed_at": "2026-08-24" }, { "dataco_id": "DC199368FA21CE5B80ACF68A69", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 11.59, "roe_pct": 32.5, "roa_pct": 17.32, "asset_turnover": 1.4938, "equity_ratio_pct": 53.29, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-06" }, { "dataco_id": "DC19E6930E7B8D8F7FEABD90EE", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 7.59, "roe_pct": 55.77, "roa_pct": 12.45, "asset_turnover": 1.6409, "equity_ratio_pct": 22.33, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-02" }, { "dataco_id": "DC24B0572DD4CC6EA4964B54E3", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": -197.4, "roe_pct": -292.58, "roa_pct": -61.21, "asset_turnover": 0.3101, "equity_ratio_pct": 20.92, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-07" }, { "dataco_id": "DC255ABF13ABE6458512181FDC", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 0.72, "roe_pct": 5.55, "roa_pct": 1.56, "asset_turnover": 2.1649, "equity_ratio_pct": 28.16, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-03" }, { "dataco_id": "DC283F5CA906606EDE7C9CE1FA", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 6.76, "roe_pct": 46.7, "roa_pct": 7.46, "asset_turnover": 1.1036, "equity_ratio_pct": 15.98, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-01" }, { "dataco_id": "DC28C0F1FE77F5FB83765B8694", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 108.28, "roe_pct": 35.25, "roa_pct": 7.65, "asset_turnover": 0.0707, "equity_ratio_pct": 21.71, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-02" }, { "dataco_id": "DC299B21D42C3D4CAF5296CE84", "fiscal_year": 2024, "currency": "NGN", "net_margin_pct": 5.39, "roe_pct": -60.98, "roa_pct": 3.42, "asset_turnover": 0.6351, "equity_ratio_pct": -5.61, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-07" }, { "dataco_id": "DC299B21D42C3D4CAF5296CE84", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 6.44, "roe_pct": -36.12, "roa_pct": 2.75, "asset_turnover": 0.4271, "equity_ratio_pct": -7.61, "revenue_growth_yoy_pct": -22.18, "earnings_growth_yoy_pct": -6.96, "observed_at": "2026-09-07" }, { "dataco_id": "DC2A6E504EEA787BB8FFB9CA5F", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 6.01, "roe_pct": 13.69, "roa_pct": 2.17, "asset_turnover": 0.3619, "equity_ratio_pct": 15.88, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-02" }, { "dataco_id": "DC2B2968CCB30BB343DDE1E5B0", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": -2618.1, "roe_pct": -18.79, "roa_pct": -13.59, "asset_turnover": 0.0052, "equity_ratio_pct": 72.3, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-03" }, { "dataco_id": "DC323916F715E5B981CA202529", "fiscal_year": 2015, "currency": "KES", "net_margin_pct": 1.28, "roe_pct": 4.21, "roa_pct": 1.41, "asset_turnover": 1.1047, "equity_ratio_pct": 33.61, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-29" }, { "dataco_id": "DC323916F715E5B981CA202529", "fiscal_year": 2018, "currency": "KES", "net_margin_pct": 2.24, "roe_pct": 6.26, "roa_pct": 2.22, "asset_turnover": 0.9908, "equity_ratio_pct": 35.43, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-29" }, { "dataco_id": "DC323916F715E5B981CA202529", "fiscal_year": 2019, "currency": "KES", "net_margin_pct": 1.53, "roe_pct": 5.05, "roa_pct": 1.59, "asset_turnover": 1.0369, "equity_ratio_pct": 31.46, "revenue_growth_yoy_pct": 18.13, "earnings_growth_yoy_pct": -19.21, "observed_at": "2026-08-29" }, { "dataco_id": "DC323916F715E5B981CA202529", "fiscal_year": 2020, "currency": "KES", "net_margin_pct": 2.26, "roe_pct": 6.96, "roa_pct": 2.3, "asset_turnover": 1.018, "equity_ratio_pct": 33.09, "revenue_growth_yoy_pct": 1.77, "earnings_growth_yoy_pct": 50.33, "observed_at": "2026-08-29" }, { "dataco_id": "DC323916F715E5B981CA202529", "fiscal_year": 2022, "currency": "KES", "net_margin_pct": 3.5, "roe_pct": null, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-21" }, { "dataco_id": "DC33F1B309A6DE174EA129D72F", "fiscal_year": 2015, "currency": "KES", "net_margin_pct": 22.36, "roe_pct": 56.21, "roa_pct": 41.19, "asset_turnover": 1.8424, "equity_ratio_pct": 73.28, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-27" }, { "dataco_id": "DC33F1B309A6DE174EA129D72F", "fiscal_year": 2020, "currency": "KES", "net_margin_pct": 21.77, "roe_pct": 46.54, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-27" }, { "dataco_id": "DC33F1B309A6DE174EA129D72F", "fiscal_year": 2021, "currency": "KES", "net_margin_pct": 25.5, "roe_pct": 43.3, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": 0.35, "earnings_growth_yoy_pct": 17.51, "observed_at": "2026-08-12" }, { "dataco_id": "DC33F1B309A6DE174EA129D72F", "fiscal_year": 2022, "currency": "KES", "net_margin_pct": 25.17, "roe_pct": 42.07, "roa_pct": 28.78, "asset_turnover": 1.1433, "equity_ratio_pct": 68.41, "revenue_growth_yoy_pct": 7.67, "earnings_growth_yoy_pct": 6.3, "observed_at": "2026-08-12" }, { "dataco_id": "DC349F3136F7C172C2D837DECC", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 3.91, "roe_pct": 38.96, "roa_pct": 8.71, "asset_turnover": 2.2306, "equity_ratio_pct": 22.36, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-04" }, { "dataco_id": "DC349F3136F7C172C2D837DECC", "fiscal_year": 2026, "currency": "NGN", "net_margin_pct": 4.57, "roe_pct": 30.57, "roa_pct": 7.61, "asset_turnover": 1.6651, "equity_ratio_pct": 24.89, "revenue_growth_yoy_pct": -3.39, "earnings_growth_yoy_pct": 13.01, "observed_at": "2026-09-01" }, { "dataco_id": "DC34C4286B6AB76AF50207D347", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": -57.61, "roe_pct": 158.5, "roa_pct": -11.71, "asset_turnover": 0.2032, "equity_ratio_pct": -7.39, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-03" }, { "dataco_id": "DC36E3F9C8C9C29DE74B389211", "fiscal_year": 2022, "currency": "KES", "net_margin_pct": -1.26, "roe_pct": -0.05, "roa_pct": -0.04, "asset_turnover": 0.0354, "equity_ratio_pct": 88.0, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-21" }, { "dataco_id": "DC37FAE32EE91253C469B9D11B", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 20.51, "roe_pct": 23.54, "roa_pct": 9.31, "asset_turnover": 0.4542, "equity_ratio_pct": 39.56, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-06" }, { "dataco_id": "DC3A7BA291FEE6DB8F6EBA0B8D", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 13.25, "roe_pct": 37.15, "roa_pct": 6.97, "asset_turnover": 0.5258, "equity_ratio_pct": 18.75, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-06" }, { "dataco_id": "DC3D0E9C05ADDA83F85854C811", "fiscal_year": 2022, "currency": "XOF", "net_margin_pct": 19.17, "roe_pct": 31.04, "roa_pct": 12.38, "asset_turnover": 0.6461, "equity_ratio_pct": 39.9, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-17" }, { "dataco_id": "DC3D0E9C05ADDA83F85854C811", "fiscal_year": 2023, "currency": "XOF", "net_margin_pct": 20.47, "roe_pct": null, "roa_pct": 12.89, "asset_turnover": 0.6297, "equity_ratio_pct": null, "revenue_growth_yoy_pct": 11.38, "earnings_growth_yoy_pct": 18.94, "observed_at": "2026-08-17" }, { "dataco_id": "DC3D0E9C05ADDA83F85854C811", "fiscal_year": 2024, "currency": "XOF", "net_margin_pct": 22.16, "roe_pct": 30.88, "roa_pct": 12.68, "asset_turnover": 0.5721, "equity_ratio_pct": 41.05, "revenue_growth_yoy_pct": 9.61, "earnings_growth_yoy_pct": 18.66, "observed_at": "2026-08-17" }, { "dataco_id": "DC419E26E155137438C79068AD", "fiscal_year": 2026, "currency": "NGN", "net_margin_pct": 12.24, "roe_pct": 16.49, "roa_pct": 11.01, "asset_turnover": 0.8996, "equity_ratio_pct": 66.75, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-01" }, { "dataco_id": "DC42CB1D529288D1B0F05EFE0C", "fiscal_year": 2015, "currency": "KES", "net_margin_pct": 19.51, "roe_pct": 30.56, "roa_pct": 20.31, "asset_turnover": 1.0408, "equity_ratio_pct": 66.44, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-27" }, { "dataco_id": "DC42CB1D529288D1B0F05EFE0C", "fiscal_year": 2017, "currency": "KES", "net_margin_pct": 22.76, "roe_pct": 45.07, "roa_pct": 29.96, "asset_turnover": 1.3167, "equity_ratio_pct": 66.48, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-27" }, { "dataco_id": "DC42CB1D529288D1B0F05EFE0C", "fiscal_year": 2024, "currency": "KES", "net_margin_pct": 12.21, "roe_pct": 12.71, "roa_pct": 6.65, "asset_turnover": 0.545, "equity_ratio_pct": 52.37, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-24" }, { "dataco_id": "DC43060381E1D5742A6CF0EC68", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 2.4, "roe_pct": 1.03, "roa_pct": 0.58, "asset_turnover": 0.2434, "equity_ratio_pct": 56.58, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-05" }, { "dataco_id": "DC434201B7CF3BD8F26AA20C35", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 226.19, "roe_pct": 21.34, "roa_pct": 6.48, "asset_turnover": 0.0287, "equity_ratio_pct": 30.38, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-01" }, { "dataco_id": "DC4424569EB97481E91BD10B6B", "fiscal_year": 2025, "currency": "USD", "net_margin_pct": 24.26, "roe_pct": 20.75, "roa_pct": 1.72, "asset_turnover": 0.071, "equity_ratio_pct": 8.3, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-03" }, { "dataco_id": "DC455307348D88A7C2D34482A2", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 11.31, "roe_pct": 6.7, "roa_pct": 4.07, "asset_turnover": 0.3593, "equity_ratio_pct": 60.71, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-06" }, { "dataco_id": "DC497EAF35D77C2A0BEC11770B", "fiscal_year": 2017, "currency": "KES", "net_margin_pct": 6.02, "roe_pct": 10.39, "roa_pct": 2.13, "asset_turnover": 0.3534, "equity_ratio_pct": 20.48, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-31" }, { "dataco_id": "DC497EAF35D77C2A0BEC11770B", "fiscal_year": 2019, "currency": "KES", "net_margin_pct": 0.2, "roe_pct": 0.47, "roa_pct": 0.08, "asset_turnover": 0.4059, "equity_ratio_pct": 17.14, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-31" }, { "dataco_id": "DC497EAF35D77C2A0BEC11770B", "fiscal_year": 2020, "currency": "KES", "net_margin_pct": -0.71, "roe_pct": -1.71, "roa_pct": -0.29, "asset_turnover": 0.4097, "equity_ratio_pct": 16.88, "revenue_growth_yoy_pct": 0.09, "earnings_growth_yoy_pct": -459.19, "observed_at": "2026-08-31" }, { "dataco_id": "DC497EAF35D77C2A0BEC11770B", "fiscal_year": 2021, "currency": "KES", "net_margin_pct": 1.03, "roe_pct": 2.61, "roa_pct": 0.45, "asset_turnover": 0.4338, "equity_ratio_pct": 17.21, "revenue_growth_yoy_pct": 8.15, "earnings_growth_yoy_pct": -258.56, "observed_at": "2026-08-24" }, { "dataco_id": "DC497EAF35D77C2A0BEC11770B", "fiscal_year": 2022, "currency": "KES", "net_margin_pct": 2.23, "roe_pct": 5.82, "roa_pct": 1.06, "asset_turnover": 0.4772, "equity_ratio_pct": 18.25, "revenue_growth_yoy_pct": 9.18, "earnings_growth_yoy_pct": 135.24, "observed_at": "2026-08-24" }, { "dataco_id": "DC49ADC08E5A4CC137DEE09339", "fiscal_year": 2022, "currency": "NGN", "net_margin_pct": 14.37, "roe_pct": 12.89, "roa_pct": 8.93, "asset_turnover": 0.6213, "equity_ratio_pct": 69.27, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-29" }, { "dataco_id": "DC49ADC08E5A4CC137DEE09339", "fiscal_year": 2024, "currency": "NGN", "net_margin_pct": 14.37, "roe_pct": 19.84, "roa_pct": 10.11, "asset_turnover": 0.7034, "equity_ratio_pct": 50.95, "revenue_growth_yoy_pct": 71.83, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-29" }, { "dataco_id": "DC4D39BDF1A9471A472810CB32", "fiscal_year": 2022, "currency": "ZAR", "net_margin_pct": 4.52, "roe_pct": 31.5, "roa_pct": 6.63, "asset_turnover": 1.4668, "equity_ratio_pct": 21.04, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-10" }, { "dataco_id": "DC4D39BDF1A9471A472810CB32", "fiscal_year": 2023, "currency": "ZAR", "net_margin_pct": 6.99, "roe_pct": 42.25, "roa_pct": 12.95, "asset_turnover": 1.853, "equity_ratio_pct": 30.64, "revenue_growth_yoy_pct": -11.63, "earnings_growth_yoy_pct": 36.64, "observed_at": "2026-08-10" }, { "dataco_id": "DC4D39BDF1A9471A472810CB32", "fiscal_year": 2024, "currency": "ZAR", "net_margin_pct": 3.36, "roe_pct": 23.8, "roa_pct": 6.72, "asset_turnover": 1.9982, "equity_ratio_pct": 28.23, "revenue_growth_yoy_pct": 6.39, "earnings_growth_yoy_pct": -48.81, "observed_at": "2026-09-07" }, { "dataco_id": "DC4E58111491A34CFD8FF62E8A", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 6.54, "roe_pct": 24.26, "roa_pct": 11.87, "asset_turnover": 1.8147, "equity_ratio_pct": 48.93, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-03" }, { "dataco_id": "DC4E58111491A34CFD8FF62E8A", "fiscal_year": 2026, "currency": "NGN", "net_margin_pct": -1.34, "roe_pct": -5.92, "roa_pct": -2.67, "asset_turnover": 1.9894, "equity_ratio_pct": 45.07, "revenue_growth_yoy_pct": -6.35, "earnings_growth_yoy_pct": -119.19, "observed_at": "2026-09-01" }, { "dataco_id": "DC4E64EF63A412D439B9F1CDFB", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 0.39, "roe_pct": 1.11, "roa_pct": 0.27, "asset_turnover": 0.7044, "equity_ratio_pct": 24.59, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-01" }, { "dataco_id": "DC4EBD9B70D8C557E37283E1A0", "fiscal_year": 2022, "currency": "NGN", "net_margin_pct": 23.62, "roe_pct": null, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-29" }, { "dataco_id": "DC4EBD9B70D8C557E37283E1A0", "fiscal_year": 2023, "currency": "NGN", "net_margin_pct": 20.63, "roe_pct": 26.4, "roa_pct": 11.57, "asset_turnover": 0.5606, "equity_ratio_pct": 43.82, "revenue_growth_yoy_pct": 36.44, "earnings_growth_yoy_pct": 19.17, "observed_at": "2026-08-29" }, { "dataco_id": "DC4EBD9B70D8C557E37283E1A0", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 23.57, "roe_pct": 38.74, "roa_pct": 16.8, "asset_turnover": 0.7129, "equity_ratio_pct": 43.37, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-29" }, { "dataco_id": "DC4FF9A8B4ED0FE50719D6B5DE", "fiscal_year": 2021, "currency": "KES", "net_margin_pct": 24.07, "roe_pct": 6.36, "roa_pct": 5.99, "asset_turnover": 0.2486, "equity_ratio_pct": 94.17, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-24" }, { "dataco_id": "DC50BE1B03B995FAF3CF644AFA", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 2.36, "roe_pct": 2.14, "roa_pct": 1.21, "asset_turnover": 0.5135, "equity_ratio_pct": 56.78, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-02" }, { "dataco_id": "DC52EBEFBE0FEFEDB9FB76EF1D", "fiscal_year": 2021, "currency": "NGN", "net_margin_pct": 35.01, "roe_pct": null, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-11" }, { "dataco_id": "DC52EBEFBE0FEFEDB9FB76EF1D", "fiscal_year": 2022, "currency": "NGN", "net_margin_pct": 27.98, "roe_pct": null, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": 40.28, "earnings_growth_yoy_pct": 12.14, "observed_at": "2026-08-11" }, { "dataco_id": "DC52EBEFBE0FEFEDB9FB76EF1D", "fiscal_year": 2023, "currency": "NGN", "net_margin_pct": 15.1, "roe_pct": 18.03, "roa_pct": 5.71, "asset_turnover": 0.3784, "equity_ratio_pct": 31.69, "revenue_growth_yoy_pct": 27.43, "earnings_growth_yoy_pct": -31.24, "observed_at": "2026-08-11" }, { "dataco_id": "DC52EBEFBE0FEFEDB9FB76EF1D", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 30.19, "roe_pct": 52.91, "roa_pct": 19.18, "asset_turnover": 0.6354, "equity_ratio_pct": 36.25, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-21" }, { "dataco_id": "DC59ECD532786A9C2D2226D7E2", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": -9.07, "roe_pct": -13.72, "roa_pct": -7.07, "asset_turnover": 0.7788, "equity_ratio_pct": 51.5, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-06" }, { "dataco_id": "DC5D8EA889A4D6761CB2306AD0", "fiscal_year": 2022, "currency": "GHS", "net_margin_pct": 28.8, "roe_pct": 50.02, "roa_pct": 12.94, "asset_turnover": 0.4494, "equity_ratio_pct": 25.88, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-11" }, { "dataco_id": "DC5D8EA889A4D6761CB2306AD0", "fiscal_year": 2023, "currency": "GHS", "net_margin_pct": 29.83, "roe_pct": 46.2, "roa_pct": 12.86, "asset_turnover": 0.4312, "equity_ratio_pct": 27.84, "revenue_growth_yoy_pct": 34.62, "earnings_growth_yoy_pct": 39.44, "observed_at": "2026-08-11" }, { "dataco_id": "DC5D8EA889A4D6761CB2306AD0", "fiscal_year": 2024, "currency": "GHS", "net_margin_pct": 28.02, "roe_pct": 48.02, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": 34.45, "earnings_growth_yoy_pct": 26.28, "observed_at": "2026-08-11" }, { "dataco_id": "DC6A4848A3C67EFA356D9772FB", "fiscal_year": 2015, "currency": "KES", "net_margin_pct": 14.86, "roe_pct": 71.71, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-27" }, { "dataco_id": "DC6A4848A3C67EFA356D9772FB", "fiscal_year": 2021, "currency": "KES", "net_margin_pct": 8.1, "roe_pct": 46.87, "roa_pct": 6.95, "asset_turnover": 0.8586, "equity_ratio_pct": 14.84, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-11" }, { "dataco_id": "DC6A4848A3C67EFA356D9772FB", "fiscal_year": 2022, "currency": "KES", "net_margin_pct": 14.24, "roe_pct": 58.96, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": 27.28, "earnings_growth_yoy_pct": 123.71, "observed_at": "2026-08-11" }, { "dataco_id": "DC6A4848A3C67EFA356D9772FB", "fiscal_year": 2023, "currency": "KES", "net_margin_pct": 11.24, "roe_pct": 38.82, "roa_pct": 9.29, "asset_turnover": 0.827, "equity_ratio_pct": 23.94, "revenue_growth_yoy_pct": 0.22, "earnings_growth_yoy_pct": -20.88, "observed_at": "2026-08-11" }, { "dataco_id": "DC6E5E9568DF03FB84FB0135CF", "fiscal_year": 2020, "currency": "EGP", "net_margin_pct": 15.22, "roe_pct": 12.54, "roa_pct": 5.75, "asset_turnover": 0.3779, "equity_ratio_pct": 45.87, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-11" }, { "dataco_id": "DC7226D48B00522D13C25FA70B", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 12.81, "roe_pct": 40.32, "roa_pct": 23.48, "asset_turnover": 1.8333, "equity_ratio_pct": 58.24, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-02" }, { "dataco_id": "DC735189C57CAFF2F07E0ED86A", "fiscal_year": 2026, "currency": "NGN", "net_margin_pct": 21.54, "roe_pct": 4.62, "roa_pct": 2.34, "asset_turnover": 0.1088, "equity_ratio_pct": 50.77, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-01" }, { "dataco_id": "DC74D113478B7D716145981761", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 29.21, "roe_pct": 72.66, "roa_pct": 37.35, "asset_turnover": 1.2787, "equity_ratio_pct": 51.41, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-02" }, { "dataco_id": "DC7A55D8E9D49BA8538B8E14AF", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": -16.1, "roe_pct": -5.2, "roa_pct": -3.22, "asset_turnover": 0.2003, "equity_ratio_pct": 61.94, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-03" }, { "dataco_id": "DC7A69D11A6F9015B4AFC7C1FA", "fiscal_year": 2021, "currency": "KES", "net_margin_pct": 29.76, "roe_pct": 19.7, "roa_pct": 3.0, "asset_turnover": 0.1008, "equity_ratio_pct": 15.22, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-11" }, { "dataco_id": "DC85E304EEC43446480D075F1B", "fiscal_year": 2020, "currency": "KES", "net_margin_pct": 10.23, "roe_pct": 8.04, "roa_pct": 6.11, "asset_turnover": 0.5976, "equity_ratio_pct": 76.04, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-31" }, { "dataco_id": "DC85E304EEC43446480D075F1B", "fiscal_year": 2021, "currency": "KES", "net_margin_pct": 9.74, "roe_pct": 9.36, "roa_pct": 6.66, "asset_turnover": 0.684, "equity_ratio_pct": 71.17, "revenue_growth_yoy_pct": 8.46, "earnings_growth_yoy_pct": 3.3, "observed_at": "2026-08-24" }, { "dataco_id": "DC85E304EEC43446480D075F1B", "fiscal_year": 2022, "currency": "KES", "net_margin_pct": 14.09, "roe_pct": 11.84, "roa_pct": 8.54, "asset_turnover": 0.6062, "equity_ratio_pct": 72.13, "revenue_growth_yoy_pct": -4.05, "earnings_growth_yoy_pct": 38.78, "observed_at": "2026-08-24" }, { "dataco_id": "DC85E304EEC43446480D075F1B", "fiscal_year": 2023, "currency": "KES", "net_margin_pct": 11.41, "roe_pct": 10.25, "roa_pct": 7.72, "asset_turnover": 0.6762, "equity_ratio_pct": 75.3, "revenue_growth_yoy_pct": 22.03, "earnings_growth_yoy_pct": -1.19, "observed_at": "2026-08-24" }, { "dataco_id": "DC8706A1C73BE0261C375ADCF4", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 36.7, "roe_pct": 27.41, "roa_pct": 13.11, "asset_turnover": 0.3571, "equity_ratio_pct": 47.81, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-07" }, { "dataco_id": "DC8C2D032787CEE5D400A90CF0", "fiscal_year": 2022, "currency": "KES", "net_margin_pct": 35.69, "roe_pct": 20.49, "roa_pct": 3.63, "asset_turnover": 0.1017, "equity_ratio_pct": 17.71, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": 33.21, "observed_at": "2026-08-11" }, { "dataco_id": "DC8C2D032787CEE5D400A90CF0", "fiscal_year": 2024, "currency": "KES", "net_margin_pct": 29.51, "roe_pct": 17.53, "roa_pct": 3.43, "asset_turnover": 0.1161, "equity_ratio_pct": 19.54, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": 9.78, "observed_at": "2026-08-27" }, { "dataco_id": "DC8DF6D803DDCB18C486503407", "fiscal_year": 2023, "currency": "USD", "net_margin_pct": 11.68, "roe_pct": null, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-11" }, { "dataco_id": "DC8EFFEFB8F5DF04AACC4394DD", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 7.07, "roe_pct": 10.56, "roa_pct": 6.28, "asset_turnover": 0.8877, "equity_ratio_pct": 59.46, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-07" }, { "dataco_id": "DC929EBD555C74F39E6676C45E", "fiscal_year": 2020, "currency": "KES", "net_margin_pct": 6.52, "roe_pct": 31.4, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-29" }, { "dataco_id": "DC929EBD555C74F39E6676C45E", "fiscal_year": 2021, "currency": "KES", "net_margin_pct": 6.81, "roe_pct": 21.32, "roa_pct": 9.37, "asset_turnover": 1.3748, "equity_ratio_pct": 43.94, "revenue_growth_yoy_pct": 16.77, "earnings_growth_yoy_pct": 21.97, "observed_at": "2026-08-24" }, { "dataco_id": "DC929EBD555C74F39E6676C45E", "fiscal_year": 2022, "currency": "KES", "net_margin_pct": 7.24, "roe_pct": 22.33, "roa_pct": 8.95, "asset_turnover": 1.2373, "equity_ratio_pct": 40.08, "revenue_growth_yoy_pct": 6.11, "earnings_growth_yoy_pct": 12.69, "observed_at": "2026-08-21" }, { "dataco_id": "DC9C8E68C8A893E1142B0D9806", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 8.3, "roe_pct": 32.73, "roa_pct": 12.31, "asset_turnover": 1.4829, "equity_ratio_pct": 37.61, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-04" }, { "dataco_id": "DC9D8D174544460E65F19A384E", "fiscal_year": 2026, "currency": "NGN", "net_margin_pct": 5.49, "roe_pct": 6.01, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-01" }, { "dataco_id": "DCA1410B66C5EC0C4B4EA6DE02", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 6.89, "roe_pct": -4.54, "roa_pct": 2.73, "asset_turnover": 0.3968, "equity_ratio_pct": -60.3, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-06" }, { "dataco_id": "DCA2132D71BC291E127CB6E16C", "fiscal_year": 2021, "currency": "NGN", "net_margin_pct": 18.05, "roe_pct": 112.71, "roa_pct": 13.22, "asset_turnover": 0.7321, "equity_ratio_pct": 11.73, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-10" }, { "dataco_id": "DCA2132D71BC291E127CB6E16C", "fiscal_year": 2022, "currency": "NGN", "net_margin_pct": 17.83, "roe_pct": 106.91, "roa_pct": 13.21, "asset_turnover": 0.7409, "equity_ratio_pct": 12.36, "revenue_growth_yoy_pct": 21.64, "earnings_growth_yoy_pct": 20.16, "observed_at": "2026-08-10" }, { "dataco_id": "DCA2132D71BC291E127CB6E16C", "fiscal_year": 2023, "currency": "NGN", "net_margin_pct": -5.55, "roe_pct": 335.47, "roa_pct": -4.3, "asset_turnover": 0.7742, "equity_ratio_pct": -1.28, "revenue_growth_yoy_pct": 22.69, "earnings_growth_yoy_pct": -138.18, "observed_at": "2026-08-10" }, { "dataco_id": "DCA3CD4D0D40B1B78335797772", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 10.89, "roe_pct": 21.54, "roa_pct": 13.49, "asset_turnover": 1.2393, "equity_ratio_pct": 62.66, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-05" }, { "dataco_id": "DCA5CF69D933CA7A8F7A0E8DBD", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 29.25, "roe_pct": 118.73, "roa_pct": 41.74, "asset_turnover": 1.4271, "equity_ratio_pct": 35.15, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-07" }, { "dataco_id": "DCA6CDA3BDB9DD559FA10399D1", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 26.59, "roe_pct": 67.31, "roa_pct": 31.75, "asset_turnover": 1.1941, "equity_ratio_pct": 47.16, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-07" }, { "dataco_id": "DCAA7AF37C5D338519FE89F1FE", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": null, "roe_pct": 2.34, "roa_pct": -2.59, "asset_turnover": 0.0, "equity_ratio_pct": -110.7, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-07" }, { "dataco_id": "DCAAAA87C610F118DE0F3928E3", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 1.51, "roe_pct": 4.45, "roa_pct": 2.46, "asset_turnover": 1.6281, "equity_ratio_pct": 55.31, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-07" }, { "dataco_id": "DCAAE9EEEA7D00AA27CB62D62A", "fiscal_year": 2024, "currency": "KES", "net_margin_pct": -2.79, "roe_pct": -2.47, "roa_pct": -1.71, "asset_turnover": 0.6126, "equity_ratio_pct": 69.23, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-24" }, { "dataco_id": "DCAD18D282BD779921296FE054", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 18.54, "roe_pct": 9.4, "roa_pct": 5.62, "asset_turnover": 0.3031, "equity_ratio_pct": 59.78, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-04" }, { "dataco_id": "DCB0F7CA354CF24ADC238A23C0", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 6.61, "roe_pct": 4.34, "roa_pct": 3.06, "asset_turnover": 0.4625, "equity_ratio_pct": 70.41, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-07" }, { "dataco_id": "DCB37F16D67E3133C2C8008190", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 15.66, "roe_pct": 21.19, "roa_pct": 2.32, "asset_turnover": 0.1483, "equity_ratio_pct": 10.96, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-03" }, { "dataco_id": "DCB5B48228C2381F40B43DB0FA", "fiscal_year": 2019, "currency": "KES", "net_margin_pct": 17.15, "roe_pct": 4.04, "roa_pct": 1.96, "asset_turnover": 0.1145, "equity_ratio_pct": 48.57, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-29" }, { "dataco_id": "DCB5B48228C2381F40B43DB0FA", "fiscal_year": 2020, "currency": "KES", "net_margin_pct": 41.66, "roe_pct": 8.7, "roa_pct": 4.45, "asset_turnover": 0.1068, "equity_ratio_pct": 51.18, "revenue_growth_yoy_pct": -4.04, "earnings_growth_yoy_pct": 133.08, "observed_at": "2026-08-29" }, { "dataco_id": "DCB5B48228C2381F40B43DB0FA", "fiscal_year": 2021, "currency": "KES", "net_margin_pct": 2.59, "roe_pct": null, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": 4.06, "earnings_growth_yoy_pct": -93.53, "observed_at": "2026-08-24" }, { "dataco_id": "DCB82F7E609159AA278E6C77B2", "fiscal_year": 2023, "currency": "NGN", "net_margin_pct": -14.53, "roe_pct": 101.84, "roa_pct": -13.66, "asset_turnover": 0.9404, "equity_ratio_pct": -13.41, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-10" }, { "dataco_id": "DCB82F7E609159AA278E6C77B2", "fiscal_year": 2024, "currency": "NGN", "net_margin_pct": -17.17, "roe_pct": 178.35, "roa_pct": -19.17, "asset_turnover": 1.1166, "equity_ratio_pct": -10.75, "revenue_growth_yoy_pct": 75.25, "earnings_growth_yoy_pct": 107.11, "observed_at": "2026-08-29" }, { "dataco_id": "DCB82F7E609159AA278E6C77B2", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 8.69, "roe_pct": 814.24, "roa_pct": 12.4, "asset_turnover": 1.4274, "equity_ratio_pct": 1.52, "revenue_growth_yoy_pct": 25.97, "earnings_growth_yoy_pct": -163.77, "observed_at": "2026-08-21" }, { "dataco_id": "DCB8C420B1D726452279AD1311", "fiscal_year": 2022, "currency": "ZAR", "net_margin_pct": 3.06, "roe_pct": 22.4, "roa_pct": 6.28, "asset_turnover": 2.0528, "equity_ratio_pct": 28.02, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-11" }, { "dataco_id": "DCB8C420B1D726452279AD1311", "fiscal_year": 2023, "currency": "ZAR", "net_margin_pct": 2.69, "roe_pct": 22.46, "roa_pct": 5.77, "asset_turnover": 2.1448, "equity_ratio_pct": 25.67, "revenue_growth_yoy_pct": 16.93, "earnings_growth_yoy_pct": 2.8, "observed_at": "2026-08-11" }, { "dataco_id": "DCB8C420B1D726452279AD1311", "fiscal_year": 2024, "currency": "ZAR", "net_margin_pct": 2.53, "roe_pct": 22.44, "roa_pct": 5.54, "asset_turnover": 2.1907, "equity_ratio_pct": 24.68, "revenue_growth_yoy_pct": 12.09, "earnings_growth_yoy_pct": 5.42, "observed_at": "2026-09-07" }, { "dataco_id": "DCBE1BDD52648D34EA7801AEDD", "fiscal_year": 2019, "currency": "KES", "net_margin_pct": 2.09, "roe_pct": 0.98, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-31" }, { "dataco_id": "DCBE1BDD52648D34EA7801AEDD", "fiscal_year": 2020, "currency": "KES", "net_margin_pct": -3.79, "roe_pct": -1.92, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": 6.17, "earnings_growth_yoy_pct": -292.89, "observed_at": "2026-08-31" }, { "dataco_id": "DCBE1BDD52648D34EA7801AEDD", "fiscal_year": 2021, "currency": "KES", "net_margin_pct": -11.34, "roe_pct": -5.24, "roa_pct": -4.58, "asset_turnover": 0.4042, "equity_ratio_pct": 87.43, "revenue_growth_yoy_pct": -12.83, "earnings_growth_yoy_pct": 160.71, "observed_at": "2026-08-24" }, { "dataco_id": "DCBE1BDD52648D34EA7801AEDD", "fiscal_year": 2022, "currency": "KES", "net_margin_pct": 9.23, "roe_pct": 5.84, "roa_pct": 4.94, "asset_turnover": 0.5355, "equity_ratio_pct": 84.58, "revenue_growth_yoy_pct": 45.89, "earnings_growth_yoy_pct": -218.73, "observed_at": "2026-08-24" }, { "dataco_id": "DCC08BF8FF10DA47EDE089A68D", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": -4.84, "roe_pct": -64.82, "roa_pct": -1.13, "asset_turnover": 0.234, "equity_ratio_pct": 1.75, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-03" }, { "dataco_id": "DCC4889742E3BB787266B75A53", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 39.76, "roe_pct": 21.82, "roa_pct": 6.03, "asset_turnover": 0.1517, "equity_ratio_pct": 27.65, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-04" }, { "dataco_id": "DCC4CD593F62DDFD49A6223CE7", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 28.22, "roe_pct": 3.75, "roa_pct": 2.94, "asset_turnover": 0.1043, "equity_ratio_pct": 78.56, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-04" }, { "dataco_id": "DCC7E9BC09E69A2F8E7B855353", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 5.32, "roe_pct": 66.84, "roa_pct": 11.9, "asset_turnover": 2.2379, "equity_ratio_pct": 17.81, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-02" }, { "dataco_id": "DCC96F713B8C2F25FE88E4E4DF", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 19.52, "roe_pct": 20.03, "roa_pct": 11.12, "asset_turnover": 0.5697, "equity_ratio_pct": 55.51, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-07" }, { "dataco_id": "DCCA043CFB2D35E9376573433E", "fiscal_year": 2023, "currency": "ZAR", "net_margin_pct": 5.69, "roe_pct": 42.54, "roa_pct": 13.33, "asset_turnover": 2.341, "equity_ratio_pct": 31.34, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-10" }, { "dataco_id": "DCCB0C3CC33393F26B37F98812", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 8.24, "roe_pct": 47.46, "roa_pct": 0.56, "asset_turnover": 0.0683, "equity_ratio_pct": 1.19, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-02" }, { "dataco_id": "DCCB37F049EFE06D21278DF61A", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 15.69, "roe_pct": 28.3, "roa_pct": 12.85, "asset_turnover": 0.8189, "equity_ratio_pct": 45.4, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-06" }, { "dataco_id": "DCD18A38D868ABFD398DF33D1E", "fiscal_year": 2023, "currency": "ZAR", "net_margin_pct": 15.2, "roe_pct": 18.59, "roa_pct": 7.93, "asset_turnover": 0.522, "equity_ratio_pct": 42.67, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-10" }, { "dataco_id": "DCD18A38D868ABFD398DF33D1E", "fiscal_year": 2024, "currency": "ZAR", "net_margin_pct": 12.79, "roe_pct": 18.55, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": 26.37, "earnings_growth_yoy_pct": 6.37, "observed_at": "2026-08-10" }, { "dataco_id": "DCDD87F0E796F98563074F5F21", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 21.91, "roe_pct": 15.66, "roa_pct": 11.78, "asset_turnover": 0.5376, "equity_ratio_pct": 75.23, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-07" }, { "dataco_id": "DCDE4AF8FFC7EAC9B38813F715", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 12.06, "roe_pct": 6.05, "roa_pct": 4.76, "asset_turnover": 0.3949, "equity_ratio_pct": 78.79, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-04" }, { "dataco_id": "DCE374CA569C022FD3D3F681AC", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 8.22, "roe_pct": 10.19, "roa_pct": 6.88, "asset_turnover": 0.8368, "equity_ratio_pct": 67.57, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-04" }, { "dataco_id": "DCE66ABCDFCC10A008E3CE5530", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 53.95, "roe_pct": 31.51, "roa_pct": 18.0, "asset_turnover": 0.3337, "equity_ratio_pct": 57.13, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-04" }, { "dataco_id": "DCE7A761F93ED85241FC4B9500", "fiscal_year": 2018, "currency": "KES", "net_margin_pct": 23.4, "roe_pct": 16.78, "roa_pct": 2.28, "asset_turnover": 0.0974, "equity_ratio_pct": 13.59, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-29" }, { "dataco_id": "DCE7A761F93ED85241FC4B9500", "fiscal_year": 2020, "currency": "KES", "net_margin_pct": 12.22, "roe_pct": 8.95, "roa_pct": 1.1, "asset_turnover": 0.0898, "equity_ratio_pct": 12.26, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-29" }, { "dataco_id": "DCE7A761F93ED85241FC4B9500", "fiscal_year": 2021, "currency": "KES", "net_margin_pct": 29.94, "roe_pct": 19.26, "roa_pct": 2.54, "asset_turnover": 0.0847, "equity_ratio_pct": 13.17, "revenue_growth_yoy_pct": 6.51, "earnings_growth_yoy_pct": 161.11, "observed_at": "2026-08-27" }, { "dataco_id": "DCE7A761F93ED85241FC4B9500", "fiscal_year": 2022, "currency": "KES", "net_margin_pct": 32.18, "roe_pct": 22.93, "roa_pct": 3.06, "asset_turnover": 0.095, "equity_ratio_pct": 13.33, "revenue_growth_yoy_pct": 24.88, "earnings_growth_yoy_pct": 34.2, "observed_at": "2026-08-27" }, { "dataco_id": "DCE7A761F93ED85241FC4B9500", "fiscal_year": 2023, "currency": "KES", "net_margin_pct": 30.48, "roe_pct": 23.65, "roa_pct": 3.15, "asset_turnover": 0.1033, "equity_ratio_pct": 13.31, "revenue_growth_yoy_pct": 18.46, "earnings_growth_yoy_pct": 12.2, "observed_at": "2026-08-21" }, { "dataco_id": "DCEA8302B520E2FCA85CE27433", "fiscal_year": 2023, "currency": "ZAR", "net_margin_pct": 3.22, "roe_pct": null, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-09" }, { "dataco_id": "DCEA8302B520E2FCA85CE27433", "fiscal_year": 2024, "currency": "ZAR", "net_margin_pct": -16.08, "roe_pct": -30.01, "roa_pct": -12.12, "asset_turnover": 0.7538, "equity_ratio_pct": 40.39, "revenue_growth_yoy_pct": -5.03, "earnings_growth_yoy_pct": -574.07, "observed_at": "2026-09-07" }, { "dataco_id": "DCEE2EE63D4249C26D6A71C9CA", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 28.96, "roe_pct": 58.89, "roa_pct": 28.89, "asset_turnover": 0.9976, "equity_ratio_pct": 49.06, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-07" }, { "dataco_id": "DCF6AFDC6B7D9440F69978FF12", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 21.39, "roe_pct": 202.81, "roa_pct": 20.59, "asset_turnover": 0.9629, "equity_ratio_pct": 10.15, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-06" }, { "dataco_id": "DCF8B52E1FF977117AA454549B", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": 16.4, "roe_pct": 20.98, "roa_pct": null, "asset_turnover": null, "equity_ratio_pct": null, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-06" }, { "dataco_id": "DCF8C759715CAC3D31F2BD8B0A", "fiscal_year": 2022, "currency": "ZAR", "net_margin_pct": 11.72, "roe_pct": 19.83, "roa_pct": 6.19, "asset_turnover": 0.5282, "equity_ratio_pct": 31.22, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-08-10" }, { "dataco_id": "DCF8C759715CAC3D31F2BD8B0A", "fiscal_year": 2023, "currency": "ZAR", "net_margin_pct": 1.82, "roe_pct": 2.67, "roa_pct": 0.92, "asset_turnover": 0.5085, "equity_ratio_pct": 34.55, "revenue_growth_yoy_pct": 6.79, "earnings_growth_yoy_pct": -83.44, "observed_at": "2026-08-10" }, { "dataco_id": "DCFB893535B118A167C73C993F", "fiscal_year": 2025, "currency": "NGN", "net_margin_pct": -7.79, "roe_pct": -759.02, "roa_pct": -29.03, "asset_turnover": 3.7256, "equity_ratio_pct": 3.82, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-06" } ] }