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Stanbic HoldingsNAI:SBIC +2.48%51 EV-to-FCF is 1.08 as of Sep. 06, 2026, which is 26% above its 10-year median of 0.86. GuruFocus rates NAI:SBIC with a GF Score™ of 51/100 and a GF Value™ of KES175.99 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,190 Banks companies, Stanbic Holdings ranks better than 78.49% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Stanbic Holdings's Enterprise Value is KES99,462 Mil.
Stanbic Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was KES92,420 Mil. Therefore, Stanbic Holdings's EV-to-FCF for today is 1.08.
The historical rank and industry rank for Stanbic Holdings's EV-to-FCF or its related term are showing as below:
NAI:SBIC'
s EV-to-FCF Range Over the Past 10 Years
Min: -4.16 Med: 0.86 Max: 12416.95
Current: 1.08
During the past 13 years, the highest EV-to-FCF of Stanbic Holdings was 12416.95. The lowest was -4.16. And the median was 0.86.
NAI:SBIC's EV-to-FCF is ranked better than 78.49% of 1190
companies
in the Banks industry
Industry Median: 7.15
vs NAI:SBIC: 1.08
EV-to-FCF 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.
EV-to-FCF 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.
Stanbic Holdings's PE Ratio (TTM) for today is calculated as:
Stanbic Holdings's share price for today is KES279.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Stanbic Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was KES16.710.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Stanbic Holdings EV-to-FCF Related Terms
Stanbic Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Stanbic Holdings's EV-to-FCF 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, Stanbic Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.
Stanbic Holdings EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Stanbic Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Stanbic Holdings's EV-to-FCF falls into.
Stanbic Holdings's current Enterprise Value is KES99,462 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Stanbic Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was KES92,420 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.
Stanbic Holdings (NAI:SBIC) has a EV-to-FCF of 1.08 as of Sep. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Stanbic Holdings and its competitors. This is 26% above median its historical median of 0.86. According to the industry distribution chart, Stanbic Holdings ranks #256 out of 1190 companies in the Banks industry, placing it in the top 21.5%.
Is Stanbic Holdings' EV-to-FCF too high?
Stanbic Holdings' current EV-to-FCF of 1.08 is 26% above median its 10-year median of 0.86. The Banks industry median EV-to-FCF is 7.15. Stanbic Holdings' value of 1.08 is 84.9% below this industry median. Based on the distribution chart, Stanbic Holdings ranks #256 out of 1190 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Stanbic Holdings has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Stanbic Holdings' EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Stanbic Holdings ranks #256 out of 1190 companies for EV-to-FCF. This places Stanbic Holdings in the top 22% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 7.15. Stanbic Holdings' value of 1.08 is 84.9% below this benchmark. While the company's 10-year median is 0.86 vs. the industry median of 7.15, Stanbic Holdings has consistently been below 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.15, based on 1,190 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Stanbic Holdings's current EV-to-FCF of 1.08 is 84.9% below 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Stanbic Holdings and its competitors. For the Banks industry, the median EV-to-FCF is 7.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stanbic Holdings's current EV-to-FCF is 1.08, which is 26% above median its own 10-year median of 0.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Stanbic Holdings stock overvalued right now?
Based on GuruFocus' analysis, Stanbic Holdings (NAI:SBIC) is currently considered Significantly Overvalued. The stock's GF Value™ is KES175.99, compared to a current price of KES279.00 — trading 58.5% above its estimated fair value. The current EV-to-FCF is 1.08, which is 26% above median its 10-year median of 0.86 and 84.9% below the Banks industry median of 7.15. Stanbic Holdings' overall GF Score™ is 51/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Stanbic Holdings (NAI:SBIC), the current EV-to-FCF is 1.08 as of Sep. 06, 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 Stanbic Holdings (NAI:SBIC) Overvalued in 2026?
Based on GuruFocus' analysis, Stanbic Holdings stock appears to be overvalued.
The current stock price of KES279.00 is trading 58.5% above its estimated GF Value™ of KES175.99.
GuruFocus considers Stanbic Holdings to be Significantly Overvalued.
Key valuation signals for NAI:SBIC:
EV-to-FCF: 1.08 (26% above median its 10-year median of 0.86)
GF Value™: KES175.99 vs. price of KES279.00 (58.5% above fair value)
Industry Position: 84.9% below the Banks median (#256 of 1190)
No single metric tells the full story. See the NAI:SBIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Stanbic Holdings PLC is a financial services company. It is organized into two business units, Corporate and Investment Banking, Personal and Business Banking. Corporate and Investment Banking provides commercial and investment financial services to larger corporate, financial institutions, and international counter parties. The company's products include transactional products and services and investment banking. The Personal and Business Banking provides banking services to individual customers and small to medium-sized enterprises. The products offered include mortgage lending, instalment sales, and finance leases, card products, transactional and lending products, amongst others.
51GF Score
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