COOP - Co-operative Bank of Kenya Limited

Dedan Maina
Feb 8, 2025 12:37 GMT

Here’s a analysis , focusing on strategic opportunities for undervalued NSE stocks (Cooperative Bank, HF Group, Carbacid/BOC, EAPC, DTB Bank) while incorporating dividend timelines, financial catalysts, and election cycles:
By: Dedan Maina, Investment Consultant & Business Growth Strategist -0798264178

Follow this link to join my WhatsApp group: chat.whatsapp.com/...8tDHn3phh6a1LINh

1. Cooperative Bank (COOP)

Buy Signals & Strategy

- Dividend Play (2025): Cooperative Bank consistently declares dividends in Q1/Q2. With projected H1 2025 profit growth of 12% YoY (driven by digital loans and SME lending), investors can buy pre-announcement (January–March 2025) to capitalize on a 6–8% dividend yield. Sell post-ex-date for short-term gains.

- Long-Term Equity Growth: Cooperative Bank’s expansion into Ethiopia and South Sudan post-2025 positions it for fee-income growth. Its 14M+ member base also insulates it from election volatility (2027), making it a defensive hold.

- Leverage 2027 Elections: As political campaigns intensify, liquidity surges in the banking sector could lift COOP’s stock. Hold until mid-2027 for cyclical upside.

2. HF Group (HFCK)

Buy Signals & Strategy

- H1 2025 Earnings Catalyst: HF Group’s H1 2025 results (likely August 2025) could surprise investors if mortgage uptake improves under Kenya’s Affordable Housing Program. A reduction in Non-Performing Loans (NPLs) would signal a turnaround. Buy pre-results for a 15–20% short-term rally.

- Land Asset Revaluation: HF Group owns KES 4B+ in prime land. Partnerships with county governments for affordable housing could unlock value by 2026. Accumulate at current lows (P/E of 4.5x) for long-term gains.

- Election Infrastructure Boom: The 2027 election cycle will prioritize infrastructure spending, boosting real estate demand. Exit at P/E 8x by late 2026.

3. Carbacid (CARB) & BOC Kenya – Speculative Play

Buy Signals & Strategy

- Acquisition Arbitrage: Carbacid’s renewed bid to acquire BOC Kenya (expected in 2025) could trigger a 30% rally in CARB’s stock if approved. BOC’s undervalued KES 1.2B Nairobi land adds speculative upside.

- Industrial Gas Demand: Carbacid’s H1 2025 results may beat estimates due to rising CO₂ demand from beverage and food processors. Trade the earnings spike for short-term gains.

- Long-Term Synergies: If the merger succeeds, synergies in gas distribution and BOC’s land divestment (2026–27) could double shareholder value. Hold BOC for post-deal restructuring.

4. East Africa Portland Cement (EAP)

Buy Signals & Strategy

- H1 2025 Turnaround: EAPC is expected to return to profitability in H1 2025 as cement demand rebounds (15% volume growth from roads and housing projects). Buy at current prices (KES 15–20 range) for a short-term target of KES 25/share.

- Dividend Resumption by 2026: Successful debt restructuring could revive dividends after a 5-year hiatus. Position in late 2025 for dividend announcements.

- Land Redevelopment & Elections: EAPC’s 12,000-acre Athi River land is a long-term gem. Political pressure to create jobs pre-2027 elections could accelerate its development, offering multi-bagger potential.

5. DTB Bank (DTB)

Buy Signals & Strategy

- Dividend Stability: DTB offers a reliable 8–10% dividend yield. Buy in Q3 2025 (pre-ex-date) for short-term income. Its regional diversification (Tanzania, Uganda) supports consistent payouts.

- Digital Banking Growth: DTB’s H1 2025 results will highlight digital revenue (60% of total), mitigating risks from Kenyan rate caps. This innovation positions it for long-term resilience.

- Election Hedge: As a regional bank, DTB is less exposed to Kenyan political risk. Hold through 2027 for cross-border trade growth post-election.

............link up for complete article

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Douglas
Jan 3, 2025 10:35 GMT

Surprised that today the price of Co-op shares is higher than that of Safaricom. For the first time ever. Wueh!

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1. Leo
   Jan 6, 2025 07:26 GMT

   There is something suspicious with this Scom thing.

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   • (1)

Dedan Maina
May 13, 2024 05:24 GMT

I have created a WhatsApp group called *GOVERNMENT BONDS & TENDERS TRAINING*
In this group we are going to train and teach you for 20 days on how to make money doing business with the government by Investing in Government Bonds and Government Tenders.
Doing business with the government or making the government your client could mean lots of advantages to your business.
Most crucial is the assurance that your customer will never go bankrupt or even become insolvent.
And while you might want to argue that getting a tender when you are a “small person” who lucks connections is similar to going out on a futile fishing mission on the banks of polluted Nairobi River; there are indeed opportunities available for those who are patient enough and willing to learn from experts.
Tenderpreneurship is one of the fastest ways to make money in Kenya – and if growth is what you are looking for, then this is an area worth exploring and this training will be of great help to you.
Our *GOVERNMENT BONDS & TENDERS TRAINING* starts today morning on Wednesday, 3rd April 2024 at 9.am.
We will have teaching, discussions, questions and answers sessions in our training.

We have prepared a program or schedule on how our Training will be conducted.

Our Government Bonds & Tenders Training will take 20 days (Monday to Friday, excluding weekends)

I will be educating/teaching you from 9.am to 2.pm by posting articles, images, videos and PDF documents. And from 2.pm to 7.pm the group will be open for discussions, questions and answers.

*NOTE*: The training won't affect your daily schedules. You can access all the information posted in the training group at your own free time.

Also our training will be on weekdays only, Monday to Friday, excluding weekends so that those who will be busy during the weekdays can catch up with our training over the weekend.

Below is a schedule of what will be learnt on each day of our training.

DAY 1: Introduction to Bonds.

DAY 2: Why invest in Bonds (How Profitable & Risky are they?)

DAY 3: The Bond Market (How bonds are issued and traded)

DAY 4: Types of Bonds (Which bonds are right for you)

DAY 5: M-Akiba (How to invest in bonds using your mobile phone)

DAY 6: Step by Step process of buying Government Bonds.

DAY 7: Investing in International Bonds.

DAY 8: Investing in Bonds Vs Investing in Stocks (Which one is better?)

DAY 9: Introduction to Tenderprenuership.

DAY 10: Are You Fit to Tender? (Fit to Tender Checklist)

DAY 11: How to Qualify Tenders – Bid or No Bid (A topic that gives many tenderprenuers a headache! But we shall guide you)

DAY 12: Responding to Tender Questions (How to answer tender questions and score high marks)

DAY 13: How to Write a Sales Proposals.

DAY 14: Bid Management and the Bid Team (Teamwork really helps improve your chances of winning tenders. Larger businesses/companies will often have bid writing departments.)

DAY 15: Bid writing (Fundamental issue and common problems regarding writing tenders and bid management – actually getting started with the tender response.)

DAY 16: Before Submitting a Tender or PQQ (Giving it the ‘overnight test’).

DAY 17: Steps of Planning Tenders and PQQs.

DAY 18: Tender Presentations.

DAY 19: The Alternative Bid (A very powerful tool in winning tenders but it is often overlooked).

DAY 20: Conclusion of our Training.

To join our *GOVERNMENT BONDS & TENDERS TRAINING* WhatsApp group, it will cost you only Ksh.2000.

This Ksh.2000 is a small fee to enable you learn for 20 days on how to make money doing business with the government by Investing in Government Bonds and Government Tenders.

You can pay Ksh.2000 only by Mpesa to 0798264178 (Dedan Maina) and I will add you to my *GOVERNMENT BONDS & TENDERS TRAINING* WhatsApp group.

Don't miss this training. It's a once in a life time opportunity.

Remember, this training will be for 20 days and starts today morning on Wednesday, 3rd April 2024 at 9.am.

For inquiries,
Contact us on WhatsApp or Call;

Dedan Maina
Investment Consultant
+254798264178

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Mark wanjiru
Nov 8, 2023 18:28 GMT

How do I buy shares?

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1. winda.co.ke
   Jan 18, 2025 21:44 GMT

   www.winda.co.ke

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2. Dedan Maina
   Mar 22, 2024 18:26 GMT

   Kindly contact me and I will advise you accordingly.

   *JUST FOR THE RECORD:*

   By end of this year, The Nairobi Securities Exchange (NSE) will likely be the best perform ining bourse in Africa and possibly among the best 3 in the world.

   Qualitative easing by the US Federal Reserve (FED) of lowering the base rate will be the most consequential variable. Safaricom, Equity Bank, KCB and other high capitalised stocks will play a major role since they're attractive to foreign capital inflow.

   Easing of domestic interest rates will also cause a shift from fixed income instruments to stocks.

   *Kindly note this is the observation and projection by Ndindi Nyoro, Kiharu Mp. He is a reputable stocks Investment guru who made his fortune through stocks, he is run a successful stocks brokerage company before joining politics*

   Dedan Maina
   Investment Consultant.
   +254798264178

   • Upvote (1)
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   • (1)

John
Oct 10, 2023 09:44 GMT

I want to buy coop bank shares by have no ideal where to start need some help

• Upvote (9)
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1. Dedan Maina
   Mar 22, 2024 18:25 GMT

   Kindly contact me and I will advise you accordingly.

   *JUST FOR THE RECORD:*

   By end of this year, The Nairobi Securities Exchange (NSE) will likely be the best perform ining bourse in Africa and possibly among the best 3 in the world.

   Qualitative easing by the US Federal Reserve (FED) of lowering the base rate will be the most consequential variable. Safaricom, Equity Bank, KCB and other high capitalised stocks will play a major role since they're attractive to foreign capital inflow.

   Easing of domestic interest rates will also cause a shift from fixed income instruments to stocks.

   *Kindly note this is the observation and projection by Ndindi Nyoro, Kiharu Mp. He is a reputable stocks Investment guru who made his fortune through stocks, he is run a successful stocks brokerage company before joining politics*

   Dedan Maina
   Investment Consultant.
   +254798264178

   • Upvote
   • Downvote

Mrs cheruiyot.
Jun 20, 2023 16:57 GMT

I would like to buy shares from coop how do I start and how much do you one share cost?

• Upvote (5)
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1. Dedan Maina
   Mar 22, 2024 18:21 GMT

   Hello, kindly contact me and I advise you accordingly .

   *JUST FOR THE RECORD:*

   By end of this year, The Nairobi Securities Exchange (NSE) will likely be the best perform ining bourse in Africa and possibly among the best 3 in the world.

   Qualitative easing by the US Federal Reserve (FED) of lowering the base rate will be the most consequential variable. Safaricom, Equity Bank, KCB and other high capitalised stocks will play a major role since they're attractive to foreign capital inflow.

   Easing of domestic interest rates will also cause a shift from fixed income instruments to stocks.

   *Kindly note this is the observation and projection by Ndindi Nyoro, Kiharu Mp. He is a reputable stocks Investment guru who made his fortune through stocks, he is run a successful stocks brokerage company before joining politics*

   Dedan Maina
   Investment Consultant.
   +254798264178

   • Upvote
   • Downvote

Francis Manzi
Mar 29, 2023 10:33 GMT

want to start investing in coop stocks

• Upvote (4)
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1. Dedan Hiuhu
   May 22, 2023 09:37 GMT

   Financial Navigating in the Current Economy: Ten Things to Consider Before You Make Investing Decisions

   Invest Wisely: An Introduction to Mutual Funds.

   Given recent market events, you may be wondering whether you should make changes to your investment portfolio. I’m concerned that some investors, including bargain hunters and mattress stuffers, are making rapid investment decisions without considering their long-term financial goals. While I can’t tell you how to manage your investment portfolio during a volatile market, we are issuing this Investor Alert to give you the tools to make an informed decision. Before you make any decision, consider these areas of importance:

   1. Draw a personal financial roadmap.

   Before you make any investing decision, sit down and take an honest look at your entire financial situation -- especially if you’ve never made a financial plan before.

   The first step to successful investing is figuring out your goals and risk tolerance – either on your own or with the help of a financial professional. There is no guarantee that you’ll make money from your investments. But if you get the facts about saving and investing and follow through with an intelligent plan, you should be able to gain financial security over the years and enjoy the benefits of managing your money.

   2. Evaluate your comfort zone in taking on risk.

   All investments involve some degree of risk. If you intend to purchase securities - such as stocks, bonds, or mutual funds - it's important that you understand before you invest that you could lose some or all of your money. Unlike deposits insured banks and insured credit unions, the money you invest in securities typically is not federally insured. You could lose your principal, which is the amount you've invested. That’s true even if you purchase your investments through a bank.

   The reward for taking on risk is the potential for a greater investment return. If you have a financial goal with a long-time horizon, you are likely to make more money by carefully investing in asset categories with greater risk, like stocks or bonds, rather than restricting your investments to assets with less risk, like cash equivalents. On the other hand, investing solely in cash investments may be appropriate for short-term financial goals. The principal concern for individuals investing in cash equivalents is inflation risk, which is the risk that inflation will outpace and erode returns over time.

   3. Consider an appropriate mix of investments.

   By including asset categories with investment returns that move up and down under different market conditions within a portfolio, an investor can help protect against significant losses. Historically, the returns of the three major asset categories – stocks, bonds, and cash – have not moved up and down at the same time. Market conditions that cause one asset category to do well often cause another asset category to have average or poor returns. By investing in more than one asset category, you'll reduce the risk that you'll lose money and your portfolio's overall investment returns will have a smoother ride. If one asset category's investment return falls, you'll be in a position to counteract your losses in that asset category with better investment returns in another asset category.

   In addition, asset allocation is important because it has major impact on whether you will meet your financial goal. If you don't include enough risk in your portfolio, your investments may not earn a large enough return to meet your goal. For example, if you are saving for a long-term goal, such as retirement or college, most financial experts agree that you will likely need to include at least some stock or stock mutual funds in your portfolio.

   
   For more insights you can contact me at

   0798264178
   mzazipacesetters@gmail.com

   Dedan Maina

   Business & Investment Consultant

   • Upvote (1)
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Eric gitonga nyaga
Mar 6, 2023 14:40 GMT

it's good investment shares

• Upvote (3)
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1. Dedan Hiuhu
   May 22, 2023 09:40 GMT

   Financial Navigating in the Current Economy: Ten Things to Consider Before You Make Investing Decisions

   Invest Wisely: An Introduction to Mutual Funds.

   Given recent market events, you may be wondering whether you should make changes to your investment portfolio. I’m concerned that some investors, including bargain hunters and mattress stuffers, are making rapid investment decisions without considering their long-term financial goals. While I can’t tell you how to manage your investment portfolio during a volatile market, we are issuing this Investor Alert to give you the tools to make an informed decision. Before you make any decision, consider these areas of importance:

   1. Draw a personal financial roadmap.

   Before you make any investing decision, sit down and take an honest look at your entire financial situation -- especially if you’ve never made a financial plan before.

   The first step to successful investing is figuring out your goals and risk tolerance – either on your own or with the help of a financial professional. There is no guarantee that you’ll make money from your investments. But if you get the facts about saving and investing and follow through with an intelligent plan, you should be able to gain financial security over the years and enjoy the benefits of managing your money.

   2. Evaluate your comfort zone in taking on risk.

   All investments involve some degree of risk. If you intend to purchase securities - such as stocks, bonds, or mutual funds - it's important that you understand before you invest that you could lose some or all of your money. Unlike deposits insured banks and insured credit unions, the money you invest in securities typically is not federally insured. You could lose your principal, which is the amount you've invested. That’s true even if you purchase your investments through a bank.

   The reward for taking on risk is the potential for a greater investment return. If you have a financial goal with a long-time horizon, you are likely to make more money by carefully investing in asset categories with greater risk, like stocks or bonds, rather than restricting your investments to assets with less risk, like cash equivalents. On the other hand, investing solely in cash investments may be appropriate for short-term financial goals. The principal concern for individuals investing in cash equivalents is inflation risk, which is the risk that inflation will outpace and erode returns over time.

   3. Consider an appropriate mix of investments.

   By including asset categories with investment returns that move up and down under different market conditions within a portfolio, an investor can help protect against significant losses. Historically, the returns of the three major asset categories – stocks, bonds, and cash – have not moved up and down at the same time. Market conditions that cause one asset category to do well often cause another asset category to have average or poor returns. By investing in more than one asset category, you'll reduce the risk that you'll lose money and your portfolio's overall investment returns will have a smoother ride. If one asset category's investment return falls, you'll be in a position to counteract your losses in that asset category with better investment returns in another asset category.

   In addition, asset allocation is important because it has major impact on whether you will meet your financial goal. If you don't include enough risk in your portfolio, your investments may not earn a large enough return to meet your goal. For example, if you are saving for a long-term goal, such as retirement or college, most financial experts agree that you will likely need to include at least some stock or stock mutual funds in your portfolio.

   
   For more insights you can contact me at

   0798264178
   mzazipacesetters@gmail.com

   Dedan Maina

   Business & Investment Consultan

   • Upvote
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Dee
Aug 17, 2022 15:18 GMT

Do you think this cooperative shares will go down? If not, is this the best time to buy the shares?

• Upvote (10)
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Elizabeth
Jan 6, 2022 07:49 GMT

Hi, I would like to buy shares but I don't know where to begin as I am not in Kenya. Please assist, thank you

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1. Dedan Hiuhu
   May 22, 2023 09:33 GMT

   Get started on stockbrokerage/investing in Shares
   By Mtetezi Dedan Mteule,
   Are new to buying and selling of shares?
   Are you wondering where and how to start buying shares?
   Worry no more, today is your lucky day. We are answering or your question at KS 0.00 Consultation fee.
   Let us get started.
   What does buying shares in a company mean.
   What are you required to have to get started
   With all these you are set go
   Scenario of shares investment/trading
   For a short term scenario let say you bought Safaricom shares on January -18- 2023 and sold the shares on
   February- 15 2023. Let us how much money you made if you bought a total of 5000 Safaricom shares.
   Buying shares in a company like i.e. Safaricom means that you are investing your investing your money in
   that company. It is like you have bought a part of the company, this makes a shareholder in their business
   and you are entitled to a share of their profits which is paid to you as dividends.
   Central depository account ( CDS account)- this is an account opened with the central bank, it is basically
   a wallet where you deposit and hold any shares you have. All your shares are deposited in your CDS
   account.
   Capital- this is the amount of money you have set aside for buying shares.
   Financial plan- just like any other investment , you will need to have a good financial plan. You can seek
   the services of a financial adviser to help you in deciding which shares to buy and the amount of money to
   invest.
   Broker- individuals are not allowed to buy shares directly from Nairobi stock exchange, you will be
   required to go through a licensed brokerage firm like Deir and Blair, Suntra investment bank etc. to buy
   shares.

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