FirstrandNAM:FST +0.92%85 3-Year Book Growth Rate is 10.50% as of Dec. 2025, which is 4% above its 10-year median of 10.10. GuruFocus rates NAM:FST with a GF Score™ of 85/100 and a GF Value™ of R84.60 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,498 Banks companies, Firstrand ranks better than 60.48% on this metric.
During the past 12 months, Firstrand's average Book Value per Share Growth Rate was 7.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 10.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 9.90% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 10.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Firstrand was 19.00% per year. The lowest was 1.80% per year. And the median was 10.10% per year.
Firstrand (NAM:FST) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Firstrand 3-Year Book Growth Rate Related Terms
NAM:FST vs JPM, BAC, WFC: 3-Year Book Growth Rate Comparison
For the Banks - Diversified subindustry, Firstrand's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Firstrand 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Firstrand's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Firstrand's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 10.50% mean?
Firstrand (NAM:FST) has a 3-Year Book Growth Rate of 10.50% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Firstrand and its competitors. This is near median its historical median of 10.10. Over the past decade, Firstrand's 3-Year Book Growth Rate has ranged from 1.80 to 19.00. According to the industry distribution chart, Firstrand ranks #592 out of 1498 companies in the Banks industry, placing it in the top 39.5%.
Is Firstrand's 3-Year Book Growth Rate too high?
Firstrand's current 3-Year Book Growth Rate of 10.50% is near median its 10-year median of 10.10. Over the past 10 years, this metric has ranged from a low of 1.80 to a high of 19.00. The Banks industry median 3-Year Book Growth Rate is 8.70. Firstrand's value of 10.50% is 20.7% above this industry median. Based on the distribution chart, Firstrand ranks #592 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, Firstrand has a GF Score™ of 85/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Firstrand's 3-Year Book Growth Rate compare to JPM and BAC?
According to the Banks industry distribution chart, Firstrand ranks #592 out of 1498 companies for 3-Year Book Growth Rate. This puts Firstrand in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Firstrand's value of 10.50% is 20.7% above this benchmark. Historically, Firstrand's own 3-Year Book Growth Rate has ranged from 1.80 to 19.00 over the past decade. While the company's 10-year median is 10.10 vs. the industry median of 8.70, Firstrand has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Firstrand's current 3-Year Book Growth Rate of 10.50% is 20.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Firstrand and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Firstrand's current 3-Year Book Growth Rate is 10.50%, which is near median its own 10-year median of 10.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Firstrand stock overvalued right now?
Based on GuruFocus' analysis, Firstrand (NAM:FST) is currently considered Modestly Overvalued. The stock's GF Value™ is R84.60, compared to a current price of R96.85 — trading 14.5% above its estimated fair value. The current 3-Year Book Growth Rate is 10.50%, which is near median its 10-year median of 10.10 and 20.7% above the Banks industry median of 8.70. Firstrand's overall GF Score™ is 85/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Firstrand (NAM:FST), the current 3-Year Book Growth Rate is 10.50% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Firstrand (NAM:FST) Overvalued in 2026?
Based on GuruFocus' analysis, Firstrand stock appears to be overvalued.
The current stock price of R96.85 is trading 14.5% above its estimated GF Value™ of R84.60.
GuruFocus considers Firstrand to be Modestly Overvalued.
Key valuation signals for NAM:FST:
3-Year Book Growth Rate: 10.50% (near median its 10-year median of 10.10)
GF Value™: R84.60 vs. price of R96.85 (14.5% above fair value)
Industry Position: 20.7% above the Banks median (#592 of 1498)
No single metric tells the full story. See the NAM:FST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Firstrand Ltd wholly owns FirstRand Bank, a full-service bank providing a comprehensive range of retail, commercial, corporate and investment banking services in South Africa and offers niche products. The bank has three divisions, which are separately branded: First National Bank (FNB), WesBank and Rand Merchant Bank (RMB). The firm's reportable segment includes Retail and commercial segment, Corporate and institutional segment, Centre (including group treasury), Firstrand Bank Normalised, and Normalised adjustments.
85GF Score
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