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Standard Bank GroupNAM:SNB +0.12%61 EV-to-OCF is 12.96 as of Aug. 11, 2026, which is 56% above its 10-year median of 8.33. GuruFocus rates NAM:SNB with a GF Score™ of 61/100 and a GF Value™ of R252.07 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,499 Banks companies, Standard Bank Group ranks worse than 78.25% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Standard Bank Group's Enterprise Value is R549,696 Mil.
Standard Bank Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was R42,430 Mil. Therefore, Standard Bank Group's EV-to-OCF for today is 12.96.
The historical rank and industry rank for Standard Bank Group's EV-to-OCF or its related term are showing as below:
NAM:SNB'
s EV-to-OCF Range Over the Past 10 Years
Min: 3.04 Med: 8.33 Max: 19.11
Current: 12.96
During the past 13 years, the highest EV-to-OCF of Standard Bank Group was 19.11. The lowest was 3.04. And the median was 8.33.
NAM:SNB's EV-to-OCF is ranked worse than 78.25% of 1499
companies
in the Banks industry
Industry Median: 4
vs NAM:SNB: 12.96
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Standard Bank Group (NAM:SNB) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Standard Bank Group's PE Ratio (TTM) for today is calculated as:
Standard Bank Group's share price for today is R331.84.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Standard Bank Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was R29.876.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Standard Bank Group EV-to-OCF Related Terms
Standard Bank Group EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Standard Bank Group's EV-to-OCF 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.
For the Banks - Regional subindustry, Standard Bank Group's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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.
Standard Bank Group EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Standard Bank Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Standard Bank Group's EV-to-OCF falls into.
Standard Bank Group's current Enterprise Value is R549,696 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Standard Bank Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was R42,430 Mil.
* 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.
Standard Bank Group (NAM:SNB) has a EV-to-OCF of 12.96 as of Aug. 11, 2026. This is 56% above median its historical median of 8.33. Over the past decade, Standard Bank Group's EV-to-OCF has ranged from 3.04 to 19.11. According to the industry distribution chart, Standard Bank Group ranks #1173 out of 1499 companies in the Banks industry, placing it in the top 78.3%.
Is Standard Bank Group's EV-to-OCF too high?
Standard Bank Group's current EV-to-OCF of 12.96 is 56% above median its 10-year median of 8.33. Over the past 10 years, this metric has ranged from a low of 3.04 to a high of 19.11. The Banks industry median EV-to-OCF is 4.00. Standard Bank Group's value of 12.96 is 224% above this industry median. Based on the distribution chart, Standard Bank Group ranks #1173 out of 1499 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Standard Bank Group has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Group's EV-to-OCF compare to PNC and USB?
According to the Banks industry distribution chart, Standard Bank Group ranks #1173 out of 1499 companies for EV-to-OCF. This places Standard Bank Group in the lower half of its industry. The industry median EV-to-OCF is 4.00. Standard Bank Group's value of 12.96 is 224% above this benchmark. Historically, Standard Bank Group's own EV-to-OCF has ranged from 3.04 to 19.11 over the past decade. While the company's 10-year median is 8.33 vs. the industry median of 4.00, Standard Bank Group 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.00, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Standard Bank Group's current EV-to-OCF of 12.96 is 224% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Bank Group's current EV-to-OCF is 12.96, which is 56% above median its own 10-year median of 8.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Bank Group stock overvalued right now?
Based on GuruFocus' analysis, Standard Bank Group (NAM:SNB) is currently considered Significantly Overvalued. The stock's GF Value™ is R252.07, compared to a current price of R331.84 — trading 31.6% above its estimated fair value. The current EV-to-OCF is 12.96, which is 56% above median its 10-year median of 8.33 and 224% above the Banks industry median of 4.00. Standard Bank Group's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Standard Bank Group (NAM:SNB), the current EV-to-OCF is 12.96 as of Aug. 11, 2026. 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 Standard Bank Group (NAM:SNB) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Bank Group stock appears to be overvalued.
The current stock price of R331.84 is trading 31.6% above its estimated GF Value™ of R252.07.
GuruFocus considers Standard Bank Group to be Significantly Overvalued.
Key valuation signals for NAM:SNB:
EV-to-OCF: 12.96 (56% above median its 10-year median of 8.33)
GF Value™: R252.07 vs. price of R331.84 (31.6% above fair value)
Industry Position: 224% above the Banks median (#1173 of 1499)
No single metric tells the full story. See the NAM:SNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Bank Group Ltd provides banking and other financial services. Its operating model is client-led and structured around its business units, which are Personal & Private Banking (PPB), Business and Commercial Banking (BCB), Corporate and Investment Banking (CIB), and Insurance & Asset Management (IAM). It offers credit cards, mortgages, vehicle loans, insurance, and other lending and transactional products. Geographically, the company derives its maximum revenue from South Africa, followed by other African and international regions.
61GF Score
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