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PSG Financial Services Limited (KST.JO)
ZAc3,498.00
-64.00 (-1.80%)
ZA JNB Financial Services Investment - Banking & Investment Services
Address
The Edge 7530
Bellville, GP, ZA
Bellville, GP, ZA
CEO
Francois Johannes Gouws
Website
psg.co.za
IPO
2014-06-18
ISIN ZAE000191417
Description
PSG Financial Services Ltd. engages in the provision of financial services. It operates through the following segments: PSG Wealth, PSG Asset Management, and PSG Insure. The PSG Wealth segment offers wealth management services for individuals, families, and businesses. The PSG Asset Management segment focuses on the management of local unit trusts, global funds, and segregated portfolios for individual and institutional investors. The PSG Insure segment deals with personal and commercial short-term insurance solutions. The company was founded by Willem Theron and Jacob de Vos du Toit on July 14, 1993 and is headquartered in Bellville, South Africa.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
ZAc3,498.00
-64.00 (-1.80%)
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Volume Profile
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Liquidity & share structure
Average Volume
644.1K
Beta
0.44
Float Shares
985.27M
Free Float %
79.1%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.82% | +4.46% | +0.39% | +0.32% | +10.87% | +4.07% | +34.34% | +138.72% | +152.09% | +293.89% | +258.99% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
3,498.00
DCF (Unlevered)
5,398.04
+54.3%
DCF (Levered)
3,222.13
-7.9%
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.
Ratings Trend (MoM)
0% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.43
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
7 / 10
Strong MOAT
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
5 / 5
High
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Investment - Banking & Investment Services: +23.9%+0.1% Q1'26: -21.2% (vs Q1'24)
-
EPS growth Investment - Banking & Investment Services: +31.6%+37.0% ★ Q1'26: +72.7% (vs Q1'24)
-
FCF margin FCF growth · Investment - Banking & Investment Services: +22.1%+24.7% ★ Q1'26: +32.3% (vs Q1'24)
-
EBIT margin Investment - Banking & Investment Services: +33.7%+31.9% Q1'26: +46.7% (vs Q1'24)
-
ROIC Investment - Banking & Investment Services: +2.7%+47.4% ★ Q1'26: +103.6% (vs Q1'24)
-
Share dilution Investment - Banking & Investment Services: +0.1%-0.7% ★ Q1'26: -1.0% (vs Q1'24)
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Debt / EBITDA Net debt/EBITDA · Investment - Banking & Investment Services: -0.48×0.12× ★ Q1'26: 0.05× (vs Q1'24)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* 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.
Consensus Estimates
| Metric |
Feb 2025 actual |
Feb 2026 1 Rev. Ana. 1 EPS Ana. |
Feb 2027 1 Rev. Ana. 1 EPS Ana. |
Feb 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|
| Revenue |
8.32B
est: 6.92B (+20.3%)
|
8.09B
8.09B – 8.09B
+16.9% YoY
|
9.39B
9.39B – 9.39B
+16.1% YoY
|
10.40B
10.40B – 10.40B
+10.8% YoY
|
| EBITDA |
2.15B
est: 4.52B (-52.4%)
|
5.28B
5.28B – 5.28B
+16.9% YoY
|
6.13B
6.13B – 6.13B
+16.1% YoY
|
6.79B
6.79B – 6.79B
+10.8% YoY
|
| EBIT |
1.95B
est: 4.39B (-55.5%)
|
5.13B
5.13B – 5.13B
+16.9% YoY
|
5.96B
5.96B – 5.96B
+16.1% YoY
|
6.60B
6.60B – 6.60B
+10.8% YoY
|
| Net Income |
1.27B
est: 1.28B (-0.8%)
|
1.56B
1.56B – 1.56B
+21.6% YoY
|
2.04B
2.04B – 2.04B
+30.6% YoY
|
2.28B
2.28B – 2.28B
+11.8% YoY
|
| SGA |
847.32M
est: 585.73M (+44.7%)
|
684.78M
684.78M – 684.78M
+16.9% YoY
|
794.85M
794.85M – 794.85M
+16.1% YoY
|
880.41M
880.41M – 880.41M
+10.8% YoY
|
| EPS |
1.01
est: 1.01 (-0.4%)
|
1.23
1.23 – 1.23
+21.6% YoY
|
1.61
1.61 – 1.61
+30.6% YoY
|
1.80
1.80 – 1.80
+11.8% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-28 | B+ | 3/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-27 | B+ | 3/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-26 | B+ | 3/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-25 | B+ | 3/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-22 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-21 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-20 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-19 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-18 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-15 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-14 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-13 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-12 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-11 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 1/5 | 1/5 |
| 2026-05-08 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-07 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-06 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-05 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-04 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-30 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-29 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-28 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-24 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-23 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-22 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-21 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-20 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-17 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-16 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
3.61B
OE per share TTM
2.86
Owner's Yield
10.27%
Maintenance CapEx ratio
7.14%
Maint CapEx / Avg PPE
4.5%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 13 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree Emerging Markets SmallCap Dividend UCITS ETF DGSD.L | 0.14% | 62.8K | 0.54% |
| 2 | WisdomTree Emerging Markets SmallCap Dividend Fund DGS | 0.14% | 2.50M | 0.58% |
| 3 | WisdomTree True Emerging Markets Fund XC | 0.08% | 61.8K | 0.32% |
| 4 | WisdomTree Emerging Markets ex-State-Owned Enterprises UCITS ETF - USD Acc XSOE.L | 0.06% | 14.1K | 0.32% |
| 5 | Vanguard International Dividend Appreciation ETF VIGI | 0.03% | 2.99M | 0.07% |
| 6 | Dimensional - Emerging Markets ex China Core Equity ETF DEXC | 0.03% | 82.5K | 0.56% |
| 7 | iShares International Dividend Growth ETF IGRO | 0.02% | 285.6K | 0.15% |
| 8 | Dimensional - Emerging Markets Core Equity 2 ETF DFEM | 0.01% | 1.26M | 0.39% |
| 9 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.01% | 1.12M | 0.28% |
| 10 | FlexShares Morningstar Emerging Markets Factor Tilt Index Fund TLTE | 0.01% | 32.7K | 0.58% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
803.6K
Shares Outstanding
1.24B
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Francois Johannes Gouws B.Acc | Chief Executive Officer & Executive Director | 66M | male |
| Michael Ian Frain Smith | Chief Financial Officer & Executive Director | 26M | male |
| Janine Johannes | Chief Transformation Officer, Head of Transformation & Executive Director | 5M | female |
| Jan Willem Theron | Founder & Non-Executive Chairman | 2M | male |
| Cedric Masondo | Chief Executive Officer of PSG Insure | 1M | male |
| Theo Cloete | Chief Executive of Group Marketing | — | male |
| Thomas Berry | Head of Sales | — | — |
| Adriaan Pask | Chief Investment Officer | — | male |
| Wallie Krumm | Director of Administration and Director of Compliance | — | — |
| Janine Van Aswege | Chief Marketing Officer | — | female |
| Kenny Madi | Chief Information Officer | — | male |
| Milandi Hugo | Head of Human Resources | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for KST.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.
