Standard Bank Group Limited Logo

Standard Bank Group Limited

SBK.JO

(3.2)
Stock Price

23.964,00 ZAc

12.12% ROA

31.56% ROE

5.01x PER

Market Cap.

393.208.267.888,00 ZAc

85.73% DER

9.33% Yield

28.88% NPM

Standard Bank Group Limited Stock Analysis

Standard Bank Group Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Standard Bank Group Limited Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (12%), which means it has a small amount of debt compared to the ownership it holds

2 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

4 ROE

The stock's ROE falls within an average range (10.61%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.65%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's PBV ratio (1.25x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

8 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

9 Dividend Growth

The company's dividend growth has exhibited a remarkable upward trend over the past three years, consistently delivering higher payouts to shareholders.

10 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (34.183) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

11 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

Standard Bank Group Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Standard Bank Group Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Standard Bank Group Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Standard Bank Group Limited Revenue
Year Revenue Growth
2002 20.013.000.000
2003 22.379.000.000 10.57%
2004 29.194.000.000 23.34%
2005 64.114.000.000 54.47%
2006 75.998.000.000 15.64%
2007 97.130.000.000 21.76%
2008 109.362.000.000 11.18%
2009 106.286.000.000 -2.89%
2010 129.759.000.000 18.09%
2011 107.387.000.000 -20.83%
2012 144.090.000.000 25.47%
2013 158.620.000.000 9.16%
2014 163.678.000.000 3.09%
2015 115.110.000.000 -42.19%
2016 121.284.000.000 5.09%
2017 127.770.000.000 5.08%
2018 110.649.000.000 -15.47%
2019 117.736.000.000 6.02%
2020 120.838.000.000 2.57%
2021 132.776.000.000 8.99%
2022 18.526.000.000 -616.7%
2023 374.815.000.000 95.06%
2024 350.952.000.000 -6.8%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Standard Bank Group Limited Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Standard Bank Group Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 5.039.000.000 100%
2013 5.560.000.000 9.37%
2014 6.496.000.000 14.41%
2015 6.928.000.000 6.24%
2016 7.056.000.000 1.81%
2017 7.178.000.000 1.7%
2018 7.496.000.000 4.24%
2019 8.601.000.000 12.85%
2020 0 0%
2021 0 0%
2022 2.497.000.000 100%
2023 2.612.000.000 4.4%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Standard Bank Group Limited EBITDA
Year EBITDA Growth
2002 31.004.000.000
2003 37.047.000.000 16.31%
2004 36.379.000.000 -1.84%
2005 56.405.000.000 35.5%
2006 75.060.000.000 24.85%
2007 92.324.000.000 18.7%
2008 93.035.000.000 0.76%
2009 58.533.000.000 -58.94%
2010 54.258.000.000 -7.88%
2011 54.777.000.000 0.95%
2012 62.020.000.000 11.68%
2013 60.769.000.000 -2.06%
2014 68.811.000.000 11.69%
2015 79.226.000.000 13.15%
2016 87.817.000.000 9.78%
2017 106.261.000.000 17.36%
2018 111.209.000.000 4.45%
2019 44.335.000.000 -150.84%
2020 24.355.000.000 -82.04%
2021 43.119.000.000 43.52%
2022 47.647.000.000 9.5%
2023 4.621.000.000 -931.1%
2024 -9.836.000.000 146.98%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Standard Bank Group Limited Gross Profit
Year Gross Profit Growth
2002 20.013.000.000
2003 22.379.000.000 10.57%
2004 29.194.000.000 23.34%
2005 64.114.000.000 54.47%
2006 75.998.000.000 15.64%
2007 97.130.000.000 21.76%
2008 109.362.000.000 11.18%
2009 106.286.000.000 -2.89%
2010 129.759.000.000 18.09%
2011 107.387.000.000 -20.83%
2012 144.090.000.000 25.47%
2013 158.620.000.000 9.16%
2014 163.678.000.000 3.09%
2015 151.994.000.000 -7.69%
2016 158.900.000.000 4.35%
2017 171.618.000.000 7.41%
2018 137.133.000.000 -25.15%
2019 117.736.000.000 -16.47%
2020 120.838.000.000 2.57%
2021 132.776.000.000 8.99%
2022 18.526.000.000 -616.7%
2023 374.815.000.000 95.06%
2024 350.952.000.000 -6.8%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Standard Bank Group Limited Net Profit
Year Net Profit Growth
2002 5.560.000.000
2003 6.071.000.000 8.42%
2004 9.125.000.000 33.47%
2005 9.297.000.000 1.85%
2006 12.510.000.000 25.68%
2007 16.572.000.000 24.51%
2008 16.749.000.000 1.06%
2009 11.585.000.000 -44.57%
2010 11.161.000.000 -3.8%
2011 13.571.000.000 17.76%
2012 16.498.000.000 17.74%
2013 16.555.000.000 0.34%
2014 18.261.000.000 9.34%
2015 24.131.000.000 24.33%
2016 22.612.000.000 -6.72%
2017 26.829.000.000 15.72%
2018 28.191.000.000 4.83%
2019 26.316.000.000 -7.12%
2020 13.161.000.000 -99.95%
2021 25.690.000.000 48.77%
2022 35.242.000.000 27.1%
2023 45.973.000.000 23.34%
2024 85.948.000.000 46.51%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Standard Bank Group Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 4
2003 5 25%
2004 6 20%
2005 7 28.57%
2006 9 12.5%
2007 11 27.27%
2008 10 -22.22%
2009 8 -28.57%
2010 7 0%
2011 9 12.5%
2012 11 20%
2013 10 0%
2014 11 9.09%
2015 15 21.43%
2016 14 -7.69%
2017 16 18.75%
2018 18 5.88%
2019 16 -13.33%
2020 8 -114.29%
2021 16 53.33%
2022 21 25%
2023 27 23.08%
2024 52 49.02%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Standard Bank Group Limited Free Cashflow
Year Free Cashflow Growth
2002 13.174.000.000
2003 3.434.000.000 -283.63%
2004 15.571.000.000 77.95%
2005 17.181.000.000 9.37%
2006 21.256.000.000 19.17%
2007 29.172.000.000 27.14%
2008 1.380.000.000 -2013.91%
2009 -383.000.000 460.31%
2010 18.941.000.000 102.02%
2011 19.121.000.000 0.94%
2012 35.162.000.000 45.62%
2013 15.877.000.000 -121.47%
2014 21.228.000.000 25.21%
2015 25.977.000.000 18.28%
2016 32.718.000.000 20.6%
2017 18.686.000.000 -75.09%
2018 25.221.000.000 25.91%
2019 14.433.000.000 -74.75%
2020 21.642.000.000 33.31%
2021 7.944.000.000 -172.43%
2022 60.450.000.000 86.86%
2023 74.355.000.000 18.7%
2024 61.820.000.000 -20.28%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Standard Bank Group Limited Operating Cashflow
Year Operating Cashflow Growth
2002 14.801.000.000
2003 5.612.000.000 -163.74%
2004 16.896.000.000 66.79%
2005 19.020.000.000 11.17%
2006 23.763.000.000 19.96%
2007 32.694.000.000 27.32%
2008 6.658.000.000 -391.05%
2009 6.295.000.000 -5.77%
2010 27.164.000.000 76.83%
2011 24.605.000.000 -10.4%
2012 42.954.000.000 42.72%
2013 24.020.000.000 -78.83%
2014 29.654.000.000 19%
2015 35.504.000.000 16.48%
2016 40.255.000.000 11.8%
2017 24.137.000.000 -66.78%
2018 34.647.000.000 30.33%
2019 23.346.000.000 -48.41%
2020 28.421.000.000 17.86%
2021 12.893.000.000 -120.44%
2022 65.287.000.000 80.25%
2023 80.694.000.000 19.09%
2024 64.126.000.000 -25.84%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Standard Bank Group Limited Capital Expenditure
Year Capital Expenditure Growth
2002 1.627.000.000
2003 2.178.000.000 25.3%
2004 1.325.000.000 -64.38%
2005 1.839.000.000 27.95%
2006 2.507.000.000 26.65%
2007 3.522.000.000 28.82%
2008 5.278.000.000 33.27%
2009 6.678.000.000 20.96%
2010 8.223.000.000 18.79%
2011 5.484.000.000 -49.95%
2012 7.792.000.000 29.62%
2013 8.143.000.000 4.31%
2014 8.426.000.000 3.36%
2015 9.527.000.000 11.56%
2016 7.537.000.000 -26.4%
2017 5.451.000.000 -38.27%
2018 9.426.000.000 42.17%
2019 8.913.000.000 -5.76%
2020 6.779.000.000 -31.48%
2021 4.949.000.000 -36.98%
2022 4.837.000.000 -2.32%
2023 6.339.000.000 23.69%
2024 2.306.000.000 -174.89%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Standard Bank Group Limited Equity
Year Equity Growth
2002 29.778.000.000
2003 32.673.000.000 8.86%
2004 38.564.000.000 15.28%
2005 39.964.000.000 3.5%
2006 55.244.000.000 27.66%
2007 68.436.000.000 19.28%
2008 99.501.000.000 31.22%
2009 99.369.000.000 -0.13%
2010 103.198.000.000 3.71%
2011 117.533.000.000 12.2%
2012 130.173.000.000 9.71%
2013 152.648.000.000 14.72%
2014 161.634.000.000 5.56%
2015 178.908.000.000 9.66%
2016 179.359.000.000 0.25%
2017 190.017.000.000 5.61%
2018 199.063.000.000 4.54%
2019 209.484.000.000 4.97%
2020 215.272.000.000 2.69%
2021 242.849.000.000 11.36%
2022 259.956.000.000 6.58%
2023 272.150.000.000 4.48%
2023 258.256.000.000 -5.38%
2024 256.398.000.000 -0.72%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Standard Bank Group Limited Assets
Year Assets Growth
2002 393.353.000.000
2003 540.390.000.000 27.21%
2004 615.577.000.000 12.21%
2005 755.678.000.000 18.54%
2006 968.991.000.000 22.01%
2007 1.182.075.000.000 18.03%
2008 1.503.653.000.000 21.39%
2009 1.339.800.000.000 -12.23%
2010 1.336.308.000.000 -0.26%
2011 1.492.829.000.000 10.48%
2012 1.544.220.000.000 3.33%
2013 1.690.929.000.000 8.68%
2014 1.902.845.000.000 11.14%
2015 1.979.349.000.000 3.87%
2016 1.954.290.000.000 -1.28%
2017 2.027.928.000.000 3.63%
2018 2.126.962.000.000 4.66%
2019 2.275.589.000.000 6.53%
2020 2.532.940.000.000 10.16%
2021 2.725.817.000.000 7.08%
2022 2.883.841.000.000 5.48%
2023 3.028.679.000.000 4.78%
2023 3.065.745.000.000 1.21%
2024 3.100.316.000.000 1.12%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Standard Bank Group Limited Liabilities
Year Liabilities Growth
2002 363.575.000.000
2003 507.717.000.000 28.39%
2004 577.013.000.000 12.01%
2005 715.714.000.000 19.38%
2006 913.747.000.000 21.67%
2007 1.113.639.000.000 17.95%
2008 1.404.152.000.000 20.69%
2009 1.240.431.000.000 -13.2%
2010 1.233.110.000.000 -0.59%
2011 1.375.296.000.000 10.34%
2012 1.414.047.000.000 2.74%
2013 1.538.281.000.000 8.08%
2014 1.741.211.000.000 11.65%
2015 1.800.441.000.000 3.29%
2016 1.774.931.000.000 -1.44%
2017 1.837.911.000.000 3.43%
2018 1.927.899.000.000 4.67%
2019 2.066.105.000.000 6.69%
2020 2.317.668.000.000 10.85%
2021 2.482.968.000.000 6.66%
2022 2.623.885.000.000 5.37%
2023 30.626.000.000 -8467.51%
2023 2.807.489.000.000 98.91%
2024 2.843.918.000.000 1.28%

Standard Bank Group Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
164.32
Net Income per Share
47.46
Price to Earning Ratio
5.01x
Price To Sales Ratio
1.44x
POCF Ratio
5.41
PFCF Ratio
6.24
Price to Book Ratio
1.64
EV to Sales
2.62
EV Over EBITDA
-144.2
EV to Operating CashFlow
9.78
EV to FreeCashFlow
11.31
Earnings Yield
0.2
FreeCashFlow Yield
0.16
Market Cap
393,21 Bil.
Enterprise Value
712,72 Bil.
Graham Number
393.9
Graham NetNet
-1785.47

Income Statement Metrics

Net Income per Share
47.46
Income Quality
0.92
ROE
0.32
Return On Assets
0.03
Return On Capital Employed
0.02
Net Income per EBT
0.67
EBT Per Ebit
2.58
Ebit per Revenue
0.17
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
-0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
-0
Gross Profit Margin
1
Operating Profit Margin
0.17
Pretax Profit Margin
0.43
Net Profit Margin
0.29

Dividends

Dividend Yield
0.09
Dividend Yield %
9.33
Payout Ratio
0.63
Dividend Per Share
22.21

Operating Metrics

Operating Cashflow per Share
44.01
Free CashFlow per Share
38.04
Capex to Operating CashFlow
0.14
Capex to Revenue
0.04
Capex to Depreciation
3.22
Return on Invested Capital
0.07
Return on Tangible Assets
0.12
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
5.97

Balance Sheet

Cash per Share
-68,35
Book Value per Share
154,81
Tangible Book Value per Share
-1325.45
Shareholders Equity per Share
145.3
Interest Debt per Share
124.57
Debt to Equity
0.86
Debt to Assets
0.07
Net Debt to EBITDA
-64.65
Current Ratio
0.44
Tangible Asset Value
-2.195,23 Bil.
Net Current Asset Value
-2.376,46 Bil.
Invested Capital
1883398000000
Working Capital
-587,74 Bil.
Intangibles to Total Assets
0.79
Average Receivables
10,47 Bil.
Average Payables
9,25 Bil.
Average Inventory
60108500000
Debt to Market Cap
0.52

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Standard Bank Group Limited Dividends
Year Dividends Growth
2000 72
2001 91 20.88%
2002 108 15.74%
2003 132 17.56%
2004 160 18.13%
2005 303 47.19%
2006 289 -4.84%
2007 276 -4.71%
2008 398 30.65%
2009 334 -19.16%
2010 386 13.47%
2011 386 0%
2012 496 22.18%
2013 476 -4.2%
2014 559 14.85%
2015 642 12.93%
2016 711 9.7%
2017 840 15.36%
2018 940 10.64%
2019 994 5.43%
2020 540 -84.07%
2021 600 10%
2022 1.026 41.52%
2023 1.381 25.71%
2024 2.221 37.82%

Standard Bank Group Limited Profile

About Standard Bank Group Limited

Standard Bank Group Limited provides banking and financial products and services in Africa and internationally. The company's personal banking products include bank accounts, digital wallets, credit and prepaid cards, saving and investment products, and foreign exchange products and services; home, personal, vehicle, and student loans; financial planning and trading services; and wills, estate, and trust services, as well as car, home, income, debt, funeral, life, travel, legal assist, and personal accident insurance. Its business banking products comprise business and attorney trust accounts; business, vehicle and asset finance, commercial property financing, and specialized financing; savings and investment accounts; business, loans, corporate risks, agri business, vehicle, commercial property, engineering risks, new contracts, cargo, cash, events, directors and officers liability, and commercial cyber insurance services; fleet management, merchant, cash, debit order, franchising, and ecommerce solutions; and employer value banking, instant money bulk and salary payments, pay and incentive cards, incentive cards, financial planning, and payroll and HR services. The company also provides trading and risk management solutions across financial markets, including foreign exchange, money markets, interest rates, equities, and credit and commodities; international trade finance, working capital, and investor service solutions. In addition, it offers wealth management products and services; and online, mobile, and telephone banking services. It serves small- and medium-sized businesses, large commercial enterprises, larger companies, governments, parastatals, and institutional clients. Standard Bank Group Limited was founded in 1862 and is based in Johannesburg, South Africa.

CEO
Mr. Simpiwe Kenneth Tshabalala
Employee
50.815
Address
Standard Bank Centre
Johannesburg, 2001

Standard Bank Group Limited Executives & BODs

Standard Bank Group Limited Executives & BODs
# Name Age
1 Mr. Bill Blackie
Chief Executive Officer of Business & Commercial Banking
70
2 Ms. Sarah Rivett-Carnac
Head of Investor Relations
70
3 Dr. Arno Daehnke AMP, BSc, MBA, MSc
Chief Finance & Value Management Officer, Financial Director and Executive Director
70
4 Mr. Andile Kenneth Livuyo Fihla
Deputy Chief Executive Officer
70
5 Ms. Funeka Z. Montjane B.Com., C.A.
Chief Executive Officer of Personal & Private Banking
70
6 Ms. Virginia Magapatona
Group Head of Communication & Reputation Management
70
7 Mr. Simpiwe Kenneth Tshabalala AMP, B.A., HDip Tax, L.L.B., L.L.M.
Group Chief Executive Officer & Executive Director
70
8 Mr. Luvuyo Masinda
Chief Executive Officer of Corporate and Investment Banking
70
9 Mr. Yuresh Maharaj C.A.
Chief Executive Officer of Insurance & Asset Management
70
10 Ms. Margaret Nienaber C.A.
Chief Operating Officer
70

Standard Bank Group Limited Competitors

FirstRand Limited Logo
FirstRand Limited

FSR.JO

(2.8)
Nedbank Group Limited Logo
Nedbank Group Limited

NED.JO

(3.0)
MTN Group Limited Logo
MTN Group Limited

MTN.JO

(2.2)
Absa Group Limited Logo
Absa Group Limited

ABG.JO

(3.0)