Standard Chartered PLC (STAN) Fair Value & Analysis
Financial Services · GB · Market cap 46.3B GBX · ISIN GB0004082847
What is Standard Chartered PLC really worth?
A solid business, trading 16% below our fair value of £26.83.
Strengths
Risks
For context
Fair value as of: Aug 20, 2026
From 6 valuation models · updated 16 days ago
Fair value updated Aug 20, 2026, revised from £30.94 to £26.83 (−13.3%) since Aug 13, 2026. Share price +1.4% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- The price sits in the lower half of our model range, the side with the larger margin of safety.
- The data supports the verdict: every model runs on fully documented inputs.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 20, 2026.
How to read this chart
60‑month range £3.65 – £22.48 · fair‑value band £20.12 – £33.53 · the £22.44 price screens below the £26.83 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 20, 2026.
Analysis
Standard Chartered PLC (STAN) currently trades at £22.44, while our model-based Fair Value estimate is £26.83, implying the stock looks roughly 16.4% undervalued today. The Quality Score stands at 60/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of £31.04 per share, and 3 of the 6 models we run sit above the £22.44 price. Bear case: the Dividend Discount group reads lowest at £7.10, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Standard Chartered PLC generated revenue of £20.7B at a net margin of 26.1%. Revenue grew 8.6% year over year. It earns a return on equity of 10.1%. Net debt stands at £27.6B. Fundamentals as of Aug 20, 2026
Our scenario range runs from £20.12 (bear case) to £33.53 (bull case); at £22.44, 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 −8% fair-value upside, at 20%, STAN 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 £0.7074 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: Multiples (£31.04) versus Dividend Discount (£7.10). Highest evidence: Residual Income (75).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 20, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 87
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 Chartered PLC, together with its subsidiaries, provides various banking products and services in Asia, Africa, the Middle East, Europe, and the Americas. The company operates in three segments: Corporate & Investment Banking, Wealth & Retail Banking, and Ventures.
Full company description
Standard Chartered PLC, together with its subsidiaries, provides various banking products and services in Asia, Africa, the Middle East, Europe, and the Americas. The company operates in three segments: Corporate & Investment Banking, Wealth & Retail Banking, and Ventures. It offers retail products, such as deposits, mortgages, credit cards, and personal loans; wealth management products and services that include investments, portfolio management, bancassurance, and wealth advice; and transaction banking services, such as cash management, working capital, trade financing, securities and prime services, and payments and liquidity products. The company also provides mergers and acquisitions, leveraged and acquisition finance, infrastructure and development finance, fund finance, and transportation and sustainable finance solutions. In addition, it offers international banking, private banking, priority banking, wealth solutions, financing for SMEs, and Islamic banking products. Further, the company provides financial markets products and services that comprise financing and investment ideas; risk management and investment solutions; foreign exchange, rates, credit, and structured products; capital raising solutions; and sales and structuring, as well as digital banking solutions. It serves financial institutions, governments, banks, investors, corporations, small to medium-sized businesses, and individuals. Standard Chartered PLC was founded in 1853 and is headquartered in London, the United Kingdom.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Standard Chartered PLC reported revenue of $40.9B in FY2025 versus $18.1B in FY2021, a compound +22.7%/yr. Reported net income was $5.2B in FY2025, compounding +22.4%/yr from FY2021.
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Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Standard Chartered Says Bitcoin Will Hit $100K in 2026 — But It Has Missed 3 Straight Year-End BTC Calls
- XRP ETF Buying Has Dropped 96% Since Launch: Can Inflows Reach Standard Chartered’s $8 Billion Forecast?
- Standard Chartered predicts 2,300% upside for LINK
- Standard Chartered PLC's Dividend Analysis
Peer Group
Banks - Diversified · 48 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 - Diversified 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 - Diversified stocks, each showing price versus our Fair Value estimate (as of Aug 20, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| JPMorgan Chase & Co JPM | $354.22 | $217.97 | −38% |
| Bank of America Corporation BAC | $61.17 | $50.87 | −17% |
| China Construction Bank Corporation 601939 | ¥10.55 | ¥18.21 | +73% |
| Industrial and Commercial Bank of China Limited 601398 | ¥7.86 | ¥14.44 | +84% |
| HSBC Holdings HSBC | $103.14 | $75.89 | −26% |
| Agricultural Bank of China Limited 601288 | ¥6.79 | ¥12.94 | +91% |
| Royal Bank of Canada RY | C$283.11 | C$151.80 | −46% |
| Bank of China Limited 601988 | ¥6.14 | ¥11.24 | +83% |
| Wells Fargo & Company WFC | $86.69 | $79.60 | −8% |
| Mitsubishi UFJ Financial Group MUFG | $22.90 | $20.50 | −10% |
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