FirstRand Limited
FirstRand Limited Fundamental Analysis
FirstRand Limited (FANDF) shows moderate financial fundamentals with a PE ratio of 12.88, profit margin of 32.78%, and ROE of 18.91%. The company generates $127.6B in annual revenue with weak year-over-year growth of -3.81%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 7.9/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze FANDF's fundamental strength across five key dimensions:
Efficiency Score
WeakFANDF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFANDF trades at attractive valuation levels.
Growth Score
WeakFANDF faces weak or negative growth trends.
Financial Health Score
WeakFANDF carries high financial risk with limited liquidity.
Profitability Score
ModerateFANDF maintains healthy but balanced margins.
Key Financial Metrics
Is FANDF Expensive or Cheap?
P/E Ratio
FANDF trades at 12.88 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, FANDF's PEG of 0.15 indicates potential undervaluation.
Price to Book
The market values FirstRand Limited at 2.38 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does FANDF Make Money?
Net Profit Margin
For every $100 in sales, FirstRand Limited keeps $32.78 as profit after all expenses.
Operating Margin
Core operations generate 95.90 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $18.91 in profit for every $100 of shareholder equity.
ROA
FirstRand Limited generates $1.68 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
FirstRand Limited generates limited operating cash flow of $-114.67B, signaling weaker underlying cash strength.
Free Cash Flow
FirstRand Limited generates weak or negative free cash flow of $-119.77B, restricting financial flexibility.
FCF Per Share
Each share generates $-21.41 in free cash annually.
FCF Yield
FANDF converts -23.14% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.88
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.15
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.38
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.06
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.009
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.19
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How FANDF Stacks Against Its Sector Peers
| Metric | FANDF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.88 | 18.86 | Better (Cheaper) |
| ROE | 18.91% | 847.00% | Weak |
| Net Margin | 32.78% | 4202.00% | Weak |
| Debt/Equity | 1.01 | 0.91 | Neutral |
| Current Ratio | 0.00 | 667.17 | Weak Liquidity |
| ROA | 1.68% | -21543.00% (disorted) | Weak |
FANDF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews FirstRand Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
16.36%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
23.78%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
132.71%
Industry Style: Value, Dividend, Cyclical
High Growth