Obermatt

Standard Bank

JNB:SBK · ZAE000109815
BanksMedium

360

61
Profit price66
Cash yield73
Price/Sales58
Price/Book17
Returns on capital91
Profit margins
Cash Conversion23
Accruals25
Owner Earnings Margin30
Sales growth54
Profit Growth81
Long-Term EPS Growth64
Owner Earnings Growth55
Reinvestment23
Price momentum81
Debt load92
Debt serviceability49
Liquidity38
Analyst ratings19
Opinion Changes29
Price Target Upside45
Market mood55
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Standard Bank generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountrySouth Africa
IndustryBanks
SizeMedium
TypePublic Company
ExchangeJSE
Employees26,223
ISINZAE000109815
Last UpdateApr 2, 2026
Themes
Onshore and Offshore WindUtility Scale SolarElectronic Money Institutions (EMIs)NeobankBankingVenture Capital

Description

Standard Bank Group Limited operates as one of the leading financial services groups in Africa, with a diverse portfolio that spans retail banking, corporate, investment banking, and wealth management services. The company has established itself as…

Analysis

Quality compounder

Standard Bank Group Limited is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 10.7× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -2% yearly growth; analysts expect 11%. The price, in other words, assumes less than the experts do.

The trajectory is solid and the balance sheet is stretched. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

What to watch: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
65
2023202420252026

All-time high

91

Jan 2023

All-time low

50

Jan 2025

Average rank

78

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
58
65
67
73
Price/Earnings
58
73
73
75
Price/Book
17
34
36
53
Dividend Yield
73
88
90
91
Value (overall)
44
71
69
77

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →