FirstrandNAM:FST +0.92%85 3-Year EPS without NRI Growth Rate is 8.60% as of Dec. 2025, which is 10% below its 10-year median of 9.60. GuruFocus rates NAM:FST with a GF Score™ of 85/100 and a GF Value™ of R84.58 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,412 Banks companies, Firstrand ranks better than 53.97% on this metric.
During the past 12 months, Firstrand's average EPS without NRI Growth Rate was 11.10% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 8.60% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 17.30% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 6.60% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Firstrand was 28.50% per year. The lowest was -12.00% per year. And the median was 9.60% per year.
Firstrand (NAM:FST) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Firstrand 3-Year EPS without NRI Growth Rate Related Terms
NAM:FST vs JPM, BAC, WFC: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Diversified subindustry, Firstrand's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Firstrand's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Firstrand's 3-Year EPS without NRI Growth Rate falls into.
Firstrand 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 8.60% mean?
Firstrand (NAM:FST) has a 3-Year EPS without NRI Growth Rate of 8.60% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Firstrand and its competitors. This is 10% below median its historical median of 9.60. According to the industry distribution chart, Firstrand ranks #650 out of 1412 companies in the Banks industry, placing it in the top 46%.
Is Firstrand's 3-Year EPS without NRI Growth Rate too high?
Firstrand's current 3-Year EPS without NRI Growth Rate of 8.60% is 10% below median its 10-year median of 9.60. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.25. Firstrand's value of 8.60% is 18.6% above this industry median. Based on the distribution chart, Firstrand ranks #650 out of 1412 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 EPS without NRI Growth Rate compare to JPM and BAC?
According to the Banks industry distribution chart, Firstrand ranks #650 out of 1412 companies for 3-Year EPS without NRI Growth Rate. This puts Firstrand in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.25. Firstrand's value of 8.60% is 18.6% above this benchmark. While the company's 10-year median is 9.60 vs. the industry median of 7.25, 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.25, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Firstrand's current 3-Year EPS without NRI Growth Rate of 8.60% is 18.6% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Firstrand and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Firstrand's current 3-Year EPS without NRI Growth Rate is 8.60%, which is 10% below median its own 10-year median of 9.60. 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 R84.58, compared to a current price of R96.85 — trading 14.5% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 8.60%, which is 10% below median its 10-year median of 9.60 and 18.6% above the Banks industry median of 7.25. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Firstrand (NAM:FST), the current 3-Year EPS without NRI Growth Rate is 8.60% 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 R84.58.
GuruFocus considers Firstrand to be Modestly Overvalued.
Key valuation signals for NAM:FST:
3-Year EPS without NRI Growth Rate: 8.60% (10% below median its 10-year median of 9.60)
GF Value™: R84.58 vs. price of R96.85 (14.5% above fair value)
Industry Position: 18.6% above the Banks median (#650 of 1412)
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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