Standard Bank Group (SGBLY) AI Stock Analysis

• Market Cap: $18.12B
• Dividend Yield: 5.51%
• Average Volume (3M): 3.85K
• Price to Earnings (P/E): 7.6
• Beta (1Y): 0.95
• Revenue Growth: 49.35%
• EPS Growth: -0.11%
• Country: US
• Employees: 50,316
• Sector: Financial
• Sector Strength: 86
• Industry: Banks - Regional
• EPS (TTM): 1.44
• Shares Outstanding: 1,649,021,100
• 10 Day Avg. Volume: 11,557
• 30 Day Avg. Volume: 3,852
• PEG Ratio: 5.73
• Price to Book (P/B): N/A
• Price to Sales (P/S): 1.79
• Price to Cash Flow (P/CF): 4.30
• P/FCF Ratio: 6.80
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Standard Bank Group's strong financial performance and attractive valuation are key strengths. While technical indicators show positive momentum, caution is advised due to potential overbought signals. The stock's low P/E ratio and high dividend yield further enhance its appeal.

Standard Bank Group Business Overview & Revenue Model

Company Description

Standard Bank Group (SGBLY) is a leading African banking group with a strong presence across the continent and international operations. Headquartered in Johannesburg, South Africa, Standard Bank offers a wide range of financial services, including personal and business banking, corporate and investment banking, wealth management, and insurance. The group is known for its commitment to driving Africa's growth and development through its comprehensive banking solutions and strategic partnerships.

How the Company Makes Money

Standard Bank Group generates revenue primarily through interest income from loans and advances to customers, as well as non-interest income from fees and commissions on various banking services. Key revenue streams include personal and business banking services, where the bank offers products such as savings and deposit accounts, personal and business loans, credit cards, and mortgages. In addition, the corporate and investment banking division contributes significantly to earnings through advisory services, trade finance, and capital markets operations. Wealth management and insurance services also provide important revenue through investment products and insurance premiums. Strategic partnerships and alliances with other financial institutions and technology companies enhance the group's service offerings and market reach, further contributing to its revenue generation.

Standard Bank Group Financial Statement Overview

Summary

Standard Bank Group has demonstrated strong revenue growth and profitability, with a solid net profit margin. The balance sheet is stable with no debt, although the low equity ratio suggests potential leverage risks. Cash flow generation is efficient, but there are fluctuations in financing activities.

Income Statement

Standard Bank Group has demonstrated impressive revenue growth of 17.43% from the previous year with a strong net profit margin of 24.18%. However, EBIT and EBITDA margins are unavailable, which limits a comprehensive profitability analysis. Overall, the income statement reflects robust growth and profitability.

Balance Sheet

The company's balance sheet is strong, with an equity ratio of 8.4% and a return on equity of 16.71%. The absence of total debt in the latest period indicates financial stability, although the relatively low equity ratio suggests potential leverage risks in a typical banking environment.

Cash Flow

Operating cash flow and free cash flow have shown growth, with the free cash flow to net income ratio at 1.19. The operating cash flow to net income ratio is 1.30, demonstrating efficient cash generation. However, fluctuations in cash flow activities, especially in financing cash flow, indicate potential volatility.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
162.94B	189.47B	161.36B	156.20B	132.78B	120.84B
	Gross Profit
162.94B	189.47B	189.56B	156.20B	132.78B	120.84B
	EBIT
160.57B	0.00	159.08B	40.33B	35.84B	16.80B
	EBITDA
152.29B	0.00	0.00	0.00	0.00	0.00
	Net Income Common Stockholders
45.80B	45.82B	45.97B	35.24B	25.69B	13.16B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
77.06B	116.69B	46.54B	114.48B	95.11B	88.55B
	Total Assets
2.28T	3.27T	3.07T	2.88T	2.73T	2.53T
	Total Debt
124.17B	0.00	136.64B	129.23B	144.66B	130.12B
	Net Debt
47.11B	-116.69B	-141.16B	11.30B	49.56B	41.58B
	Total Liabilities
2.07T	2.98T	2.79T	2.62T	2.48T	2.32T
	Stockholders Equity
182.22B	274.38B	260.61B	238.93B	214.88B	188.90B
Cash Flow		Free Cash Flow
85.13B	54.48B	42.36B	60.45B	7.94B	21.64B
	Operating Cash Flow
90.50B	59.35B	48.70B	65.29B	12.89B	28.42B
	Investing Cash Flow
-176.14B	-4.14B	-6.05B	-4.60B	-4.67B	430.00M
	Financing Cash Flow
111.33B	-32.76B	-26.80B	-21.25B	-9.35B	-12.49B

Standard Bank Group Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 10.95
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SGBLY, the sentiment is Negative. The current price of 10.95 is below the 20-day moving average (MA) of 12.57, below the 50-day MA of 12.18, and below the 200-day MA of 12.52, indicating a bearish trend. The MACD of 0.32 indicates Positive momentum. The RSI at 58.72 is Neutral, neither overbought nor oversold. The STOCH value of 7.51 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SGBLY.

Standard Bank Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SGBLY	76 Outperform	$18.12B	7.61	17.81%	5.51%	49.35%	-0.11%
BCH	73 Outperform	$13.05B	10.21	21.96%	6.07%	-19.01%	-13.44%
BBD	70 Outperform	$21.24B	7.16	10.44%	1.42%	-8.55%	13.58%
BSBR	70 Neutral	$16.85B	13.45	11.61%	4.90%	-3.94%	31.52%
KB	69 Neutral	$19.73B	5.39	9.39%	3.72%	-1.25%	6.28%
Sector *	64 Neutral	$13.21B	9.26	9.39%	4.87%	16.14%	-8.87%
SHG	62 Neutral	$16.87B	4.96	8.57%	4.39%	-0.66%	0.74%