Firstrand (NAM:FST) Unearned Income: R0 Mil (As of Dec. 2025)

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NAM:FST Firstrand Ltd NAM:FST
85 GF Score
Price R97.86
GF Value R85.05
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Firstrand Unearned Income?

Firstrand NAM:FST 85 Unearned Income is R0 Mil as of Dec. 2025. GuruFocus rates NAM:FST with a GF Score™ of 85/100 and a GF Value™ of R85.05 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Firstrand's Unearned Income for the quarter that ended in Dec. 2025 was R0 Mil.

Firstrand Unearned Income Related Terms

Firstrand Unearned Income Historical Data

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The historical data trend for Firstrand's Unearned Income can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Firstrand Unearned Income Chart

Firstrand Annual Data
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Firstrand Semi-Annual Data
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NAM:FST
85GF Score
Firstrand Ltd NAM:FST
Unearned Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Firstrand Unearned Income Calculation

Unearned Income is the income received but not yet earned, it represents the unearned amount that is netted against the total loan.

Frequently Asked Questions Learn more about Unearned Income →
What does a Unearned Income of R0 Mil mean?
Firstrand (NAM:FST) has a Unearned Income of R0 Mil as of Dec. 2025. Unearned Income is the income received but not yet earned, it represents the unearned amount that is netted against the total loan. View historical data on Firstrand and its competitors.
Is Firstrand's Unearned Income too high?
Firstrand's current Unearned Income is R0 Mil. 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 Unearned Income compare to JPM and BAC?
Firstrand's Unearned Income of R0 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Unearned Income for a Banks company?
A good Unearned Income depends on the Banks industry context. However, Unearned Income should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Unearned Income mean?
A high Unearned Income can signal that a stock is expensive relative to its fundamentals. Unearned Income is the income received but not yet earned, it represents the unearned amount that is netted against the total loan. View historical data on Firstrand and its competitors. Firstrand's current Unearned Income is R0 Mil. 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 R85.05, compared to a current price of R97.86 — trading 15.1% above its estimated fair value. The current Unearned Income is R0 Mil. 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 Unearned Income calculated?
Unearned Income is calculated from a company's financial statements. For Firstrand (NAM:FST), the current Unearned Income is R0 Mil 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 R97.86 is trading 15.1% above its estimated GF Value™ of R85.05. GuruFocus considers Firstrand to be Modestly Overvalued.

Key valuation signals for NAM:FST:

  • Unearned Income: R0 Mil
  • GF Value™: R85.05 vs. price of R97.86 (15.1% above fair value)
  • GF Score™: 85/100 with 4 warning signs

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 Business Description

Address Corner Fredman Drive and Rivonia Road, 4 Merchant Place, C Low, Sandton, Johannesburg, GT, ZAF, 2196
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

Get the complete analysis for NAM:FST

Unearned Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R97.86
Price
R85.05
GF Value