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What is Standard Chartered Bank Ghana Graham Number?
Standard Chartered Bank GhanaXGHA:SCB 71 Graham Number is GHS54.63 as of Mar. 2026, which is 100% below its 10-year median of 0.64. GuruFocus rates XGHA:SCB with a GF Score™ of 71/100 and a GF Value™ of GHS35.71 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,435 Banks companies, Standard Chartered Bank Ghana ranks worse than 87.74% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
The historical rank and industry rank for Standard Chartered Bank Ghana's Graham Number or its related term are showing as below:
XGHA:SCB'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.41 Med: 0.64 Max: 6.32
Current: 1.3
During the past 13 years, the highest Price to Graham Number ratio of Standard Chartered Bank Ghana was 6.32. The lowest was 0.41. And the median was 0.64.
XGHA:SCB's Price-to-Graham-Number is ranked worse than 87.74% of 1435
companies
in the Banks industry
Industry Median: 0.81
vs XGHA:SCB: 1.30
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Standard Chartered Bank Ghana (XGHA:SCB) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Standard Chartered Bank Ghana's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
70.90
/
54.63
=
1.30
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Standard Chartered Bank Ghana Graham Number Related Terms
Standard Chartered Bank Ghana Graham Number Historical Data
* 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 Chartered Bank Ghana's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Chartered Bank Ghana Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Standard Chartered Bank Ghana's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Standard Chartered Bank Ghana's Price-to-Graham-Number falls into.
* 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 Chartered Bank Ghana (XGHA:SCB) has a Graham Number of GHS54.63 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Standard Chartered Bank Ghana and its competitors. This is 8436% above median its historical median of 0.64. Over the past decade, Standard Chartered Bank Ghana's Graham Number has ranged from 0.41 to 6.32. According to the industry distribution chart, Standard Chartered Bank Ghana ranks #1259 out of 1435 companies in the Banks industry, placing it in the top 87.7%.
Is Standard Chartered Bank Ghana's Graham Number too high?
Standard Chartered Bank Ghana's current Graham Number of GHS54.63 is 8436% above median its 10-year median of 0.64. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 6.32. Based on the distribution chart, Standard Chartered Bank Ghana ranks #1259 out of 1435 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Standard Chartered Bank Ghana has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank Ghana's Graham Number compare to PNC?
According to the Banks industry distribution chart, Standard Chartered Bank Ghana ranks #1259 out of 1435 companies for Graham Number. This places Standard Chartered Bank Ghana in the lower half of its industry. The industry median Graham Number is 0.81. Historically, Standard Chartered Bank Ghana's own Graham Number has ranged from 0.41 to 6.32 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.81, based on 1,435 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Standard Chartered Bank Ghana and its competitors. For the Banks industry, the median Graham Number is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Chartered Bank Ghana's current Graham Number is GHS54.63, which is 8436% above median its own 10-year median of 0.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank Ghana (XGHA:SCB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS35.71, compared to a current price of GHS70.90 — trading 98.5% above its estimated fair value. The current Graham Number is GHS54.63, which is 8436% above median its 10-year median of 0.64. Standard Chartered Bank Ghana's overall GF Score™ is 71/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Standard Chartered Bank Ghana (XGHA:SCB), the current Graham Number is GHS54.63 as of Mar. 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 Chartered Bank Ghana (XGHA:SCB) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Chartered Bank Ghana stock appears to be overvalued.
The current stock price of GHS70.90 is trading 98.5% above its estimated GF Value™ of GHS35.71.
GuruFocus considers Standard Chartered Bank Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:SCB:
Graham Number: GHS54.63 (8436% above median its 10-year median of 0.64)
GF Value™: GHS35.71 vs. price of GHS70.90 (98.5% above fair value)
No single metric tells the full story. See the XGHA:SCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Chartered Bank Ghana Business Description
Standard Chartered Bank Ghana PLC is a banking corporation registered in Ghana. It provides various banking services including personal banking, private banking, and business banking. The company manages its business into three segments namely, Corporate & Investment Banking, Wealth & Retail Banking, Ventures and Central & Other Items. The company's services include savings, loans, mortgages, credit cards, insurance, and investment opportunities for individual customers. It focuses on offering financial solutions to small-medium enterprises, corporates, and financial institutions. Geographically, it operates in Hong Kong, Korea, China, Singapore, UK, and U.S.
71GF Score
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