Standard Bank Group (SGBLY) AI Stock Analysis

• Market Cap: $21.16B
• Dividend Yield: 0.42%
• Average Volume (3M): 1.78K
• Price to Earnings (P/E): 9.1
• Beta (1Y): 0.85
• Revenue Growth: 49.35%
• EPS Growth: -0.11%
• Country: US
• Employees: 50,316
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.75
• Shares Outstanding: 1,646,211,800
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 1,785
• PEG Ratio: 104.68
• Price to Book (P/B): 1.33
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 4.25
• 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

• Rating: 74 Outperform
• Price Target: ―

Standard Bank Group's stock is supported by strong financial performance, with significant revenue growth and profitability. The valuation is attractive due to a low P/E ratio and a high dividend yield. However, technical indicators show mixed momentum, which tempers the overall score.

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 impressive revenue growth and profitability with an income statement score of 85.0. The balance sheet is strong but shows a low equity ratio, scored at 80.0. Cash flow shows effective cash generation with a score of 78.0. Overall, financial statements indicate robust financial health but highlight potential leverage risks.

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	189.47B	161.36B	156.20B	132.78B	120.84B
Gross Profit	189.47B	189.56B	156.20B	132.78B	120.84B
EBITDA	0.00	0.00	0.00	0.00	0.00
Net Income	45.82B	45.97B	35.24B	25.69B	13.16B
Balance Sheet
Total Assets	3.27T	3.07T	2.88T	2.73T	2.53T
Cash, Cash Equivalents and Short-Term Investments	116.69B	46.54B	114.48B	95.11B	88.55B
Total Debt	0.00	136.64B	129.23B	144.66B	130.12B
Total Liabilities	2.98T	2.79T	2.62T	2.48T	2.32T
Stockholders Equity	274.38B	260.61B	238.93B	214.88B	188.90B
Cash Flow
Free Cash Flow	54.48B	42.36B	60.45B	7.94B	21.64B
Operating Cash Flow	59.35B	48.70B	65.29B	12.89B	28.42B
Investing Cash Flow	-4.14B	-6.05B	-4.60B	-4.67B	430.00M
Financing Cash Flow	-32.76B	-26.80B	-21.25B	-9.35B	-12.49B

Standard Bank Group Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.01
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 13.01 is above the 20-day moving average (MA) of 12.72, above the 50-day MA of 12.79, and above the 200-day MA of 12.39, indicating a bullish trend. The MACD of -0.03 indicates Negative momentum. The RSI at 58.16 is Neutral, neither overbought nor oversold. The STOCH value of 71.18 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SGBLY.

Standard Bank Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KB	79 Outperform	$30.07B	8.02	10.66%	0.03%	18.54%	28.34%
SGBLY	74 Outperform	$21.16B	9.06	17.81%	0.42%	49.35%	-0.11%
SHG	71 Outperform	$25.34B	7.86	8.79%	0.07%	-3.37%	4.50%
BBD	70 Outperform	$28.39B	9.14	10.61%	0.70%	-9.78%	27.43%
BSBR	70 Outperform	$18.03B	15.06	10.89%	6.64%	-3.94%	31.52%
BCH	69 Neutral	$14.28B	11.01	23.88%	0.28%	-17.02%	-10.73%
Sector *	68 Neutral	$17.10B	11.44	9.70%	3.58%	11.11%	-4.78%