Standard Bank Group Limited (SGBLY)
OTHER OTC:SGBLY
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Standard Bank Group
(OTC:SGBLY)
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Rating:68Neutral
Price Target:
$21.50
▲(24.71% Upside)
Action:Downgraded
Date:03/15/26
The score is driven primarily by very attractive valuation (low P/E and strong dividend) and solid underlying financial performance, partially offset by volatility in operating results/cash flows and higher leverage in 2025. Technicals are the main drag, with bearish momentum and the stock trading below key short-term averages despite oversold signals.
Positive Factors
Diversified African banking franchise
Standard Bank’s broad footprint across African markets and product lines (retail, corporate, wealth, payments) creates durable revenue diversification. Multiple business lines and channels reduce single-market risk and support structural growth from financial inclusion and payments adoption over the next 2–6 months.
Negative Factors
Increased balance-sheet leverage
A material step-up in leverage raises sensitivity to funding costs and macro shocks, constraining capital flexibility. Higher debt-to-equity increases risk of margin compression if rates rise or asset quality weakens, potentially forcing tighter provisioning or slower capital returns over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified African banking franchise
Standard Bank’s broad footprint across African markets and product lines (retail, corporate, wealth, payments) creates durable revenue diversification. Multiple business lines and channels reduce single-market risk and support structural growth from financial inclusion and payments adoption over the next 2–6 months.
Read all positive factors
Standard Bank Group (SGBLY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$32.01B
Dividend Yield4.48%
Average Volume (3M)5.22K
Price to Earnings (P/E)10.2
Beta (1Y)0.75
Revenue Growth18.32%
EPS Growth17.18%
CountryUS
Employees50,316
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)29.51
Shares Outstanding1,646,456,800
10 Day Avg. Volume1,311
30 Day Avg. Volume5,223
Financial Highlights & Ratios
PEG Ratio1.72
Price to Book (P/B)1.76
Price to Sales (P/S)1.57
P/FCF Ratio7.52
Enterprise Value/Market Cap20.56
Enterprise Value/Revenue2.88
Enterprise Value/Gross Profit2.95
Enterprise Value/Ebitda14.08
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Standard Bank Group Business Overview & Revenue Model
Company Description
Standard Bank Group Limited operates as a prominent financial services provider across Africa and on an international scale. The company offers a comprehensive suite of personal banking solutions, including a variety of account types, from traditi...
How the Company Makes Money
Standard Bank primarily makes money by earning income from lending, payments and transaction services, and fees from distributing financial products and advisory services.
1) Net interest income (lending and deposit spread): A major revenue drive...
Standard Bank Group Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
70
Positive
Cash Flow
63
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 302.45B | 189.47B | 161.36B | 134.69B | 122.87B |
| Gross Profit | 241.30B | 189.47B | 189.56B | 134.69B | 122.87B |
| EBITDA | 78.90B | 0.00 | 0.00 | 58.08B | 45.49B |
| Net Income | 47.43B | 45.82B | 45.97B | 35.24B | 25.69B |
Balance Sheet | |||||
| Total Assets | 3.62T | 3.27T | 3.07T | 2.88T | 2.73T |
| Cash, Cash Equivalents and Short-Term Investments | 753.60B | 116.69B | 46.54B | 114.48B | 95.11B |
| Total Debt | 300.67B | 26.56B | 21.65B | 129.23B | 144.66B |
| Total Liabilities | 3.33T | 2.98T | 2.79T | 2.62T | 2.48T |
| Stockholders Equity | 269.40B | 274.38B | 260.61B | 238.93B | 214.88B |
Cash Flow | |||||
| Free Cash Flow | 63.24B | 54.48B | -79.06B | 60.45B | 7.94B |
| Operating Cash Flow | 67.62B | 59.35B | -73.54B | 65.29B | 12.89B |
| Investing Cash Flow | -4.55B | -4.14B | -6.05B | -4.60B | -4.67B |
| Financing Cash Flow | -29.92B | -32.76B | -26.80B | -21.25B | -9.35B |
Standard Bank Group Technical Analysis
Positive
17.24
Price Trends
19.00
Positive
18.69
Positive
16.88
Positive
Market Momentum
0.16
Negative
63.11
Neutral
87.18
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SGBLY, the sentiment is Positive. The current price of 17.24 is below the 20-day moving average (MA) of 19.06, below the 50-day MA of 19.00, and above the 200-day MA of 16.88, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 63.11 is Neutral, neither overbought nor oversold. The STOCH value of 87.18 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SGBLY.
Standard Bank Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $24.61B | 12.49 | 9.74% | 3.90% | 20.39% | ― | |
73 Outperform | $29.39B | 13.59 | 19.66% | 4.82% | 22.61% | 34.04% | |
73 Outperform | $28.61B | 14.35 | 7.63% | 2.89% | -0.44% | 34.70% | |
72 Outperform | $24.98B | 11.09 | 11.78% | 3.74% | 2.53% | 16.52% | |
68 Neutral | $32.01B | 10.25 | 18.49% | 4.48% | 18.32% | 17.18% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $30.49B | 9.87 | 9.08% | 2.86% | 1.72% | 13.27% |
* Financial Sector Average
SGBLY
Standard Bank Group
20.00
7.92
65.58%
BAP
Credicorp
362.32
153.53
73.53%
KEY
KeyCorp
22.42
7.33
48.57%
RF
Regions Financial
28.60
7.89
38.10%
SHG
Shinhan Financial Group Co
69.75
26.26
60.38%
CFG
Citizens Financial
66.65
27.47
70.10%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.