Standard Bank Group Ltd (SBK) Fair Value & Analysis
Financial Services · ZA · Market cap 527B ZAC · ISIN ZAE000109815
What is Standard Bank Group Ltd really worth?
A solid business, currently priced close to our fair value of R317.31.
Strengths
Fair value as of: Aug 27, 2026
From 6 valuation models · updated 9 days ago
Share price −2.6% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 27, 2026.
How to read this chart
60‑month range R84.53 – R336.52 · fair‑value band R237.99 – R396.64 · the R322.04 price screens above the R317.31 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 27, 2026.
Analysis
Standard Bank Group Ltd (SBK) currently trades at R322.04, while our model-based Fair Value estimate is R317.31, implying the stock looks roughly 1.5% fairly valued today. The Quality Score stands at 65/100 (solid quality), in the Financial Services sector. Bull case: the Dividend Discount group reads highest at a median of R328.54 per share, and 3 of the 6 models we run sit above the R322.04 price. Bear case: the Asset-Based group reads lowest at R111.33, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Standard Bank Group Ltd generated revenue of 180B ZAR at a net margin of 28.4%. Revenue grew 9.0% year over year. It earns a return on equity of 18.7%. Net debt stands at 148B ZAR. Fundamentals as of Aug 27, 2026
Our scenario range runs from R237.99 (bear case) to R396.64 (bull case); at R322.04, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at −1%, SBK screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 8.21 ZAR per share, which is 2.6 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Dividend Discount (R328.54) versus Asset-Based (R111.33). Highest evidence: DDM Multi-Stage (66).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 56 · Market factors (momentum, volatility) 76
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Standard Bank Group Limited provides financial products and services in South Africa and internationally. It offers a range of onshore and offshore savings and investment; home and personal loans; forex solutions; transactional banking, including digital wallets, cards, payment and transfer platforms; private and digital banking; forex solutions; vehicle …
Full company description
Standard Bank Group Limited provides financial products and services in South Africa and internationally. It offers a range of onshore and offshore savings and investment; home and personal loans; forex solutions; transactional banking, including digital wallets, cards, payment and transfer platforms; private and digital banking; forex solutions; vehicle and asset finance; credit cards; and insurance solutions. The company also provides transactional banking; business lending; commercial asset finance; merchant, trade, fleet, and business solar solutions; specific solutions for clients in various sectors, such as agriculture, manufacturing, healthcare, and tourism; app and internet banking; international payments and forex; alternative funding options; and business resources and insurance. In addition, it offers advisory, transactional, trading, risk management, and funding solutions; and long and short-term insurance, health insurance, and asset management. Further, the company engages in trust or other fiduciary activities. The company was founded in 1862 and is headquartered in Johannesburg, South Africa.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Standard Bank Group Ltd reported revenue of 373B ZAR in FY2025 versus 133B ZAR in FY2021, a compound +29.5%/yr. Reported net income was 51.2B ZAR in FY2025, compounding +18.8%/yr from FY2021.
of which total revenue +10.0 % · buybacks/dilution −0.3 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Standard Bank Group (JSE:SBK) Stock Gets Fair Value Bump As Analyst Tone Turns Cautious
- How The Investment Story For Standard Bank Group (JSE:SBK) Is Evolving Without New Analyst Targets
- Standard Bank Group Insiders Added R66.2m Of Stock To Their Holdings
- How The Story Is Shifting For Standard Bank Group (JSE:SBK) After The New Price Target
Peer Group
Banks - Regional · 1071 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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