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FirstRand Limited (FSR.JO)
Sandton, GP, ZA
FirstRand Ltd. operates as a holding company, which engages in the provision of banking, insurance and investment products and services to retail, commercial, corporate and public sector customers. It operates through the following segments: FNB, FNB Africa, WesBank, RMB, and Centre. The FNB segment offers financial products and services to market segments including consumer, small business, agricultural, medium-sized corporate, parastatal and government entities. The FNB Africa segment is composed of a support division acting as strategic enabler, facilitator and coordinator for FNB's broader Africa businesses. The WesBank segment represents the bank's activities in instalment credit, fleet management and related services in the retail, commercial and corporate segments of South Africa. The RMB segment refers to the bank's activities in the corporate and investment banking segments in South Africa, the broader African continent and India. The Centre segment includes group-wide functions, including treasury, finance, tax, STET, regulatory risk management, and internal audit. The company was founded in 1966 and is headquartered in Johannesburg, South Africa.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.20% | +2.36% | +4.70% | -6.87% | +13.38% | +1.80% | +23.98% | +55.34% | +64.79% | +113.64% | +1,327.07% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 5 | -1 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Banks: +13.8%+5.0% Q4'25: +9.3% (vs Q4'23)
-
EPS growth Banks: +25.1%+9.8% Q4'25: +19.0% (vs Q4'23)
-
FCF margin FCF growth · Banks: +75.8%-95.0% Q4'25: +25.5% (vs Q4'23)
-
EBIT margin Banks: +27.6%+20.3% Q4'25: +23.4% (vs Q4'23)
-
ROIC Banks: +1.1%+8.8% ★ Q4'25: +111.2% (vs Q4'23)
-
Share dilution Banks: +0.1%-0.1% ★ Q4'25: -0.4% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Banks: 1.37×4.00× Q4'25: 0.35× (vs Q4'23)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Jun 2015 actual |
Jun 2016 actual |
Jun 2017 actual |
Jun 2018 actual |
Jun 2019 actual |
Jun 2020 actual |
Jun 2021 actual |
Jun 2022 actual |
Jun 2023 actual |
Jun 2024 actual |
Jun 2025 actual |
Jun 2026 7 Rev. Ana. 6 EPS Ana. |
Jun 2027 7 Rev. Ana. 6 EPS Ana. |
Jun 2028 7 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
111.17B
est: 72.67B (+53.0%)
|
125.92B
est: 76.77B (+64.0%)
|
139.84B
est: 83.92B (+66.6%)
|
153.83B
est: 90.87B (+69.3%)
|
177.64B
est: 101.80B (+74.5%)
|
171.06B
est: 105.76B (+61.7%)
|
159.48B
est: 104.89B (+52.1%)
|
166.37B
est: 115.49B (+44.1%)
|
214.95B
est: 131.60B (+63.3%)
|
257.55B
est: 141.32B (+82.3%)
|
270.30B
est: 148.14B (+82.5%)
|
159.00B
157.74B – 160.36B
+7.3% YoY
|
170.88B
168.96B – 172.02B
+7.5% YoY
|
184.00B
182.95B – 185.04B
+7.7% YoY
|
| EBITDA |
30.41B
est: 28.98B (+4.9%)
|
31.64B
est: 30.61B (+3.3%)
|
34.85B
est: 33.46B (+4.1%)
|
38.02B
est: 36.23B (+4.9%)
|
43.33B
est: 40.59B (+6.7%)
|
27.71B
est: 42.17B (-34.3%)
|
40.06B
est: 41.82B (-4.2%)
|
49.34B
est: 46.05B (+7.1%)
|
54.40B
est: 52.48B (+3.7%)
|
54.92B
est: 34.87B (+57.5%)
|
59.34B
est: 36.55B (+62.3%)
|
39.23B
38.92B – 39.56B
+7.3% YoY
|
42.16B
41.69B – 42.44B
+7.5% YoY
|
45.40B
45.14B – 45.65B
+7.7% YoY
|
| EBIT |
28.32B
est: 26.65B (+6.3%)
|
29.23B
est: 28.15B (+3.8%)
|
32.12B
est: 30.78B (+4.4%)
|
35.19B
est: 33.32B (+5.6%)
|
40.44B
est: 37.33B (+8.3%)
|
23.60B
est: 38.79B (-39.2%)
|
35.75B
est: 38.46B (-7.0%)
|
45.34B
est: 42.35B (+7.1%)
|
50.36B
est: 48.26B (+4.3%)
|
50.60B
est: 31.96B (+58.3%)
|
54.94B
est: 33.50B (+64.0%)
|
35.96B
35.67B – 36.26B
+7.3% YoY
|
38.64B
38.21B – 38.90B
+7.5% YoY
|
41.61B
41.37B – 41.85B
+7.7% YoY
|
| Net Income |
21.93B
est: 21.24B (+3.3%)
|
22.91B
est: 22.76B (+0.6%)
|
24.93B
est: 24.33B (+2.5%)
|
27.01B
est: 26.17B (+3.2%)
|
30.88B
est: 27.76B (+11.2%)
|
18.17B
est: 18.91B (-3.9%)
|
27.52B
est: 24.61B (+11.8%)
|
33.60B
est: 32.97B (+1.9%)
|
37.45B
est: 36.80B (+1.8%)
|
39.71B
est: 38.19B (+4.0%)
|
43.54B
est: 40.42B (+7.7%)
|
39.68B
39.08B – 40.27B
-1.8% YoY
|
54.09B
52.28B – 55.89B
+36.3% YoY
|
58.38B
55.97B – 60.80B
+7.9% YoY
|
| SGA |
24.57B
est: 3.72B (+560.7%)
|
25.99B
est: 3.93B (+561.7%)
|
27.54B
est: 4.29B (+541.3%)
|
35.02B
est: 4.65B (+653.3%)
|
39.46B
est: 5.21B (+657.6%)
|
38.43B
est: 5.41B (+610.2%)
|
41.57B
est: 5.37B (+674.5%)
|
43.99B
est: 5.91B (+644.5%)
|
50.22B
est: 6.73B (+645.7%)
|
53.79B
est: 33.22B (+61.9%)
|
56.18B
est: 34.82B (+61.3%)
|
37.38B
37.08B – 37.70B
+7.3% YoY
|
40.17B
39.72B – 40.44B
+7.5% YoY
|
43.25B
43.01B – 43.50B
+7.7% YoY
|
| EPS |
3.90
est: 3.79 (+2.8%)
|
4.02
est: 4.07 (-1.1%)
|
4.45
est: 4.34 (+2.4%)
|
4.82
est: 4.67 (+3.1%)
|
5.51
est: 4.96 (+11.1%)
|
3.04
est: 3.38 (-10.0%)
|
4.77
est: 4.39 (+8.5%)
|
5.84
est: 5.89 (-0.8%)
|
6.48
est: 6.57 (-1.4%)
|
6.81
est: 6.81 (-0.1%)
|
7.49
est: 7.23 (+3.5%)
|
7.11
6.98 – 7.19
-1.7% YoY
|
9.53
9.34 – 9.98
+34.1% YoY
|
10.40
10.00 – 10.86
+9.1% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-28 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-27 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-26 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-25 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-22 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-21 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-20 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-19 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-18 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-15 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-14 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-13 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-12 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-11 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-08 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-07 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-06 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-05 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-04 | B+ | 3/5 | 3/5 | 5/5 | 4/5 | 3/5 | 3/5 | 1/5 |
| 2026-04-30 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-29 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-28 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-24 | B+ | 3/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-23 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-22 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-21 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-15 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Stephen Martin Cooper | Chief Executive Officer Aldermore | 52M | male |
| Mary Seemane Vilakazi | Chief Executive Officer & Executive Director | 34M | female |
| Hetash Surendrakumar Kellan | Chief Executive Officer of Retail & Commercial segment and FNB | 29M | male |
| Emmarentia Brown | Chief Executive Officer of RMB | 29M | female |
| Markos George Davias | Chief Financial Officer & Executive Director | 27M | male |
| Kevin Andrew Mitchell | Chief Digital officer | — | — |
| Sam A. Moss | Head of Investor Relations | — | female |
| Tswelo Kodisang | Chief People Officer | — | male |
| Andries Willem Du Toit | Chief Value Officer | — | male |
| Yatin Narsai | Chief Information Officer and Chief Executive Officer of FNB Smart Solutions | — | male |
| Carnita Low LLM-Tax | Head of Governance, Ethics & Legal and Company Secretary | — | female |
| Gert Christoffel Petrus Kruger | Group Chief Operating Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for FSR.JO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
