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:
$22.00
â–²(27.61% Upside)
Action:DowngradedDate: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
Revenue acceleration
Sustained revenue acceleration (Fundamentals.RevenueGrowth ~18.3%) indicates expanding core banking activity and client volumes across franchises. Durable top-line growth supports scale economies, stronger net interest and fee income, and provides capacity to fund investment and capital buffers over months.
Negative Factors
Higher leverage in 2025
A material step-up in leverage (debt-to-equity ~1.12 in 2025) raises structural sensitivity to rising funding costs and adverse credit conditions. Higher leverage can compress net interest margins, elevate regulatory and refinancing risk, and reduce capital buffer flexibility over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue acceleration
Sustained revenue acceleration (Fundamentals.RevenueGrowth ~18.3%) indicates expanding core banking activity and client volumes across franchises. Durable top-line growth supports scale economies, stronger net interest and fee income, and provides capacity to fund investment and capital buffers over months.
Read all positive factors
Standard Bank Group (SGBLY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$32.05B
Dividend Yield4.48%
Average Volume (3M)5.22K
Price to Earnings (P/E)10.0
Beta (1Y)0.87
Revenue Growth58.33%
EPS Growth9.42%
CountryUS
Employees50,316
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.90
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 Cap21.26
Enterprise Value/Revenue2.98
Enterprise Value/Gross Profit3.06
Enterprise Value/Ebitda14.58
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 provides banking and financial products and services in Africa and internationally. The company's personal banking products include bank accounts, digital wallets, credit and prepaid cards, saving and investment product...
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
18.81
Positive
17.82
Positive
15.71
Positive
Market Momentum
0.16
Negative
62.57
Neutral
94.91
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 18.09, below the 50-day MA of 18.81, and above the 200-day MA of 15.71, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 62.57 is Neutral, neither overbought nor oversold. The STOCH value of 94.91 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $27.79B | 11.79 | 19.28% | 4.82% | 8.72% | 27.70% | |
72 Outperform | $23.49B | 11.00 | 11.45% | 3.74% | 4.00% | 28.54% | |
69 Neutral | $27.27B | 11.93 | 7.16% | 2.89% | -3.93% | 40.62% | |
68 Neutral | $32.05B | 10.02 | 18.49% | 4.48% | 58.33% | 9.42% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $30.81B | 18.46 | 8.70% | 2.86% | -4.88% | 4.84% | |
63 Neutral | $23.38B | 11.08 | 9.26% | 3.90% | 3.86% | 5473.29% |
* Financial Sector Average
SGBLY
Standard Bank Group
20.07
9.40
88.03%
BAP
Credicorp
349.42
180.89
107.33%
KEY
KeyCorp
21.46
8.33
63.45%
RF
Regions Financial
27.50
9.30
51.11%
SHG
Shinhan Financial Group Co
67.31
34.85
107.36%
CFG
Citizens Financial
64.17
30.58
91.03%
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.