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Standard Bank Group Limited (SBK.JO)

ZAc32,237.00 +110.00 (+0.34%)
ZA JNB Financial Services Banks - Regional
Address Standard Bank Centre 2001
Johannesburg, ZA
CEO Simpiwe Kenneth Tshabalala
IPO 2000-01-04
ISIN ZAE000109815

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Also trades on Johannesburg Stock Exchange · SBK.JO (ZAc) Other OTC · SBGOF (USD) Other OTC · SGBLY (USD)
Description

Standard Bank Group Limited, operating as SBK.JO, delivers an extensive array of banking and financial offerings throughout Africa and globally. Its comprehensive services cater to both individual and corporate clients. For personal banking, the institution provides diverse products such as bank accounts, digital wallets, various credit and prepaid cards, savings and investment vehicles, and foreign exchange facilities. It also extends loans for homes, personal needs, vehicles, and education, alongside financial planning, trading, and estate management provisions like wills and trusts. A broad selection of insurance policies covers areas including car, home, income, debt, funeral, life, travel, legal assistance, and personal accidents. Business customers benefit from specialized accounts, diverse financing options including vehicle and asset finance, commercial property loans, and bespoke funding solutions. The group also furnishes business savings and investment products, plus a wide spectrum of commercial insurance policies for items like loans, corporate risks, agriculture, engineering risks, and cyber protection. Supplementary business services encompass fleet management, merchant solutions, cash handling, debit order processing, franchising support, and e-commerce platforms, alongside employee-focused offerings such as payroll and human resources solutions. Beyond conventional banking, Standard Bank is actively involved in financial markets, offering trading and risk management across foreign exchange, money markets, interest rates, equities, credit, and commodities. It further facilitates international trade finance, working capital solutions, and investor services. Wealth management products are also a key component of its portfolio. Clients can access these services conveniently via online, mobile, and telephone banking channels. The institution serves a varied client base, including small and medium-sized enterprises, large corporations, governmental entities, parastatal organizations, and institutional investors. Founded in 1862, Standard Bank Group Limited is headquartered in Johannesburg, 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 Loading…
Indicator 1D1W2W3W1M
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
Averages
Trend
Price
Levels
Draw
ZAc32,237.00 +110.00 (+0.34%)
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Volume Profile
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Liquidity & share structure
Average Volume
3M
Beta
0.41
Float Shares
1.30B
Free Float %
79.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.49% -1.18% -1.90% -2.16% +19.26% +8.26% +35.96% +107.48% +131.72% +153.53% +1,157.60%
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
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
32,237.00
DCF (Unlevered) 91,730.57 +184.6%

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) 30% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 3 0
Hold 7 +1
Sell 0 0
Strong Sell 0 -1
Quality scores
Altman Z-Score
0.42
Distress
Piotroski F-Score
8 / 9
Strong
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
★ Strong MOAT
  • Revenue growth
    +38.8% Q4'25: +80.4% (vs Q4'23)
  • EPS growth
    -1.5% Q4'25: +16.4% (vs Q4'23)
  • FCF margin
    Q4'25: -3.8% (vs Q4'23)
  • EBIT margin
    Q4'25: +29.9% (vs Q4'23)
  • ROIC
    Q4'25: +25.6% (vs Q4'23)
  • Share dilution
    -1.6% Q4'25: -2.5% (vs Q4'23)
  • Debt / EBITDA
    Q4'25: 1.53× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.47) × ERP
WACC = 63% × Ke + 37% × Kd (33.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 91,730.57 Current price: 32,237.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
3 Rev. Ana.
5 EPS Ana.
Dec 2027
4 Rev. Ana.
5 EPS Ana.
Dec 2028
2 Rev. Ana.
2 EPS Ana.
Revenue
115.12B
est: 90.49B (+27.2%)
121.28B
est: 100.88B (+20.2%)
109.51B
est: 101.90B (+7.5%)
110.65B
est: 106.20B (+4.2%)
117.74B
est: 110.81B (+6.2%)
110.82B
est: 113.44B (-2.3%)
132.52B
est: 113.10B (+17.2%)
156.38B
est: 130.01B (+20.3%)
161.36B
est: 162.94B (-1.0%)
268.68B
est: 165.03B (+62.8%)
372.90B
est: 170.94B (+118.1%)
189.63B
188.16B – 190.54B
+10.9% YoY
204.70B
203.04B – 207.03B
+7.9% YoY
221.11B
219.35B – 222.92B
+8.0% YoY
EBITDA
est: 17.76B (-100.0%)
est: 19.80B (-100.0%)
est: 20.00B (-100.0%)
est: 20.84B (-100.0%)
51.53B
est: 21.75B (+137.0%)
27.35B
est: 22.26B (+22.9%)
47.42B
est: 22.19B (+113.6%)
58.89B
est: 25.51B (+130.8%)
est: 40.47B (-100.0%)
74.93B
est: 40.99B (+82.8%)
85.19B
est: 42.45B (+100.7%)
47.09B
46.73B – 47.32B
+10.9% YoY
50.84B
50.42B – 51.42B
+7.9% YoY
54.91B
54.47B – 55.36B
+8.0% YoY
EBIT
-4.68B
est: 13.20B (-135.5%)
-5.11B
est: 14.71B (-134.7%)
-4.93B
est: 14.86B (-133.2%)
-5.36B
est: 15.49B (-134.6%)
44.07B
est: 16.16B (+172.7%)
19.80B
est: 16.54B (+19.7%)
40.14B
est: 16.49B (+143.4%)
51.57B
est: 18.96B (+172.0%)
-7.30B
est: 34.73B (-121.0%)
70.43B
est: 35.18B (+100.2%)
80.68B
est: 36.44B (+121.4%)
40.42B
40.11B – 40.62B
+10.9% YoY
43.64B
43.28B – 44.13B
+7.9% YoY
47.13B
46.76B – 47.52B
+8.0% YoY
Net Income
24.13B
est: 22.23B (+8.5%)
22.61B
est: 23.83B (-5.1%)
26.83B
est: 26.06B (+3.0%)
28.19B
est: 28.32B (-0.5%)
26.32B
est: 29.86B (-11.9%)
13.16B
est: 17.79B (-26.0%)
25.69B
est: 25.54B (+0.6%)
35.24B
est: 30.59B (+15.2%)
45.97B
est: 43.77B (+5.0%)
19.57B
est: 44.55B (-56.1%)
51.22B
est: 47.61B (+7.6%)
53.13B
53.00B – 54.46B
+11.6% YoY
59.48B
58.17B – 60.78B
+11.9% YoY
66.39B
65.71B – 67.10B
+11.6% YoY
SGA
6.93B
est: 2.60B (+166.2%)
7.06B
est: 2.90B (+143.2%)
9.15B
est: 2.93B (+212.0%)
8.21B
est: 3.05B (+168.8%)
6.24B
est: 3.19B (+95.8%)
1.81B
est: 3.26B (-44.4%)
2.03B
est: 3.25B (-37.7%)
4.87B
est: 3.74B (+30.3%)
5.41B
est: 4.47B (+21.1%)
9.00B
est: 4.52B (+99.0%)
8.80B
est: 4.68B (+87.8%)
5.20B
5.16B – 5.22B
+10.9% YoY
5.61B
5.56B – 5.67B
+7.9% YoY
6.06B
6.01B – 6.11B
+8.0% YoY
EPS
14.87
est: 13.31 (+11.7%)
13.90
est: 14.27 (-2.6%)
16.38
est: 15.60 (+5.0%)
17.23
est: 16.95 (+1.6%)
15.94
est: 17.88 (-10.8%)
7.77
est: 10.65 (-27.1%)
15.63
est: 15.29 (+2.2%)
20.74
est: 19.53 (+6.2%)
26.67
est: 26.42 (+1.0%)
30.34
est: 27.11 (+11.9%)
30.19
est: 28.92 (+4.4%)
32.61
32.25 – 33.14
+12.8% YoY
36.26
35.39 – 36.98
+11.2% YoY
40.40
39.98 – 40.83
+11.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-28 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-27 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-26 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-25 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-22 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-21 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-20 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-19 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-18 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-15 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-14 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-13 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-12 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-11 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-08 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-07 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-06 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-05 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-05-04 B 3/5 1/5 5/5 4/5 2/5 3/5 2/5
2026-04-30 B 3/5 1/5 5/5 4/5 1/5 3/5 2/5
2026-04-29 B 3/5 1/5 5/5 4/5 1/5 3/5 2/5
2026-04-28 B 3/5 1/5 5/5 4/5 1/5 3/5 2/5
2026-04-24 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-23 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-22 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-21 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-20 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-17 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-16 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-15 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
162.61B
OE per share TTM
97.91
Owner's Yield
31.89%
Maintenance CapEx ratio
19.44%
Maint CapEx / Avg PPE
11.0%

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.

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
1.60M
Shares Outstanding
1.62B

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

NameTitleCompensationGender
Simpiwe Kenneth Tshabalala Chief Executive Officer & Executive Director 38M male
Luvuyo Masinda Chief Executive Officer of Corporate and Investment Banking 36M male
Arno Daehnke Chief Finance and Value Management Officer & Executive Director 34M
Margaret Nienaber Chief Operating Officer 33M female
William Fergus Blackie Chief Executive Officer of Business & Commercial Banking 32M male
Bill Blackie Chief Executive Officer of Business & Commercial Banking 32M male
Yuresh Maharaj Chief Executive Officer of Insurance & Asset Management 29M male
Funeka Montjane Chief Executive Officer of Personal & Private Banking 29M female
Sarah Rivett-Carnac Head of Investor Relations female
Alan Bedford-Shaw Head of Corporate Development male
Sharon Taylor Chief People & Culture Officer female
Virginia Magapatona Group Head of Communication & Reputation Management 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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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits