Standard Bank Group Limited
Standard Bank Group Limited Fundamental Analysis
Standard Bank Group Limited (SBGOF) shows moderate financial fundamentals with a PE ratio of 12.31, profit margin of 24.58%, and ROE of 17.24%. The company generates $184.2B in annual revenue with weak year-over-year growth of -0.05%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 66.4/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze SBGOF's fundamental strength across five key dimensions:
Efficiency Score
WeakSBGOF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSBGOF trades at attractive valuation levels.
Growth Score
WeakSBGOF faces weak or negative growth trends.
Financial Health Score
ModerateSBGOF shows balanced financial health with some risks.
Profitability Score
ExcellentSBGOF achieves industry-leading margins.
Key Financial Metrics
Is SBGOF Expensive or Cheap?
P/E Ratio
SBGOF trades at 12.31 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, SBGOF's PEG of 0.08 indicates potential undervaluation.
Price to Book
The market values Standard Bank Group Limited at 2.09 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 136.43 times EBITDA. This signals the market has high growth expectations.
How Well Does SBGOF Make Money?
Net Profit Margin
For every $100 in sales, Standard Bank Group Limited keeps $24.58 as profit after all expenses.
Operating Margin
Core operations generate 46.93 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $17.24 in profit for every $100 of shareholder equity.
ROA
Standard Bank Group Limited generates $1.41 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Standard Bank Group Limited generates strong operating cash flow of $67.40B, reflecting robust business health.
Free Cash Flow
Standard Bank Group Limited generates strong free cash flow of $62.59B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $38.66 in free cash annually.
FCF Yield
SBGOF converts 11.94% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.31
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.08
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.09
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.85
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.11
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.07
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.09
vs 25 benchmark
How SBGOF Stacks Against Its Sector Peers
| Metric | SBGOF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.31 | 18.73 | Better (Cheaper) |
| ROE | 17.24% | 847.00% | Weak |
| Net Margin | 24.58% | 2562.00% | Weak |
| Debt/Equity | 0.11 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.07 | 674.76 | Weak Liquidity |
| ROA | 1.41% | -21692.00% (disorted) | Weak |
SBGOF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Standard Bank Group Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
55.37%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
68.09%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
145.44%
Industry Style: Value, Dividend, Cyclical
High Growth