Firstrand (NAM:FST) Credit Losses Provision: R0 Mil (As of Dec. 2025)

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NAM:FST Firstrand Ltd NAM:FST
81 GF Score
Price R98.92
GF Value R84.90
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Firstrand Credit Losses Provision?

Firstrand NAM:FST -0.48% 81 Credit Losses Provision is R0 Mil as of Dec. 2025. GuruFocus rates NAM:FST with a GF Score™ of 81/100 and a GF Value™ of R84.90 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Firstrand's credit losses provision for the six months ended in Dec. 2025 was R0 Mil. Its credit losses provision for the trailing twelve months (TTM) ended in Dec. 2025 was R0 Mil.

Firstrand Credit Losses Provision Historical Data

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The historical data trend for Firstrand's Credit Losses Provision 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 Credit Losses Provision Chart

Firstrand Annual Data
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Credit Losses Provision
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Firstrand Semi-Annual Data
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Credit Losses Provision Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
NAM:FST
81GF Score
Firstrand Ltd NAM:FST
Credit Losses Provision is just one metric. See GF Score™, valuation, warning signs, and more.
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Firstrand Credit Losses Provision Calculation

For each period of operations, banks may reserve a portion of their income to cover the possible non-performing loans. The amount of the Credit Losses Provision is dependent on the management's estimate of the load quality they have. The higher Credit Losses Provision is, the lower banks' reported income in. This does not affect banks' cash flow statement.

Credit Losses Provision for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was R0 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.

What does a Credit Losses Provision of R0 Mil mean?
Firstrand (NAM:FST) has a Credit Losses Provision of R0 Mil as of Dec. 2025. Provision for credit loss is the amount a bank reserves to cover non-performing loans. View historical data on Firstrand and its competitors.
Is Firstrand's Credit Losses Provision too high?
Firstrand's current Credit Losses Provision is R0 Mil. Overall, Firstrand has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Firstrand's Credit Losses Provision compare to JPM and BAC?
Firstrand's Credit Losses Provision 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 Credit Losses Provision for a Banks company?
A good Credit Losses Provision depends on the Banks industry context. However, Credit Losses Provision 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 Credit Losses Provision mean?
A high Credit Losses Provision can signal that a stock is expensive relative to its fundamentals. Provision for credit loss is the amount a bank reserves to cover non-performing loans. View historical data on Firstrand and its competitors. Firstrand's current Credit Losses Provision 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 R84.90, compared to a current price of R98.92 — trading 16.5% above its estimated fair value. The current Credit Losses Provision is R0 Mil. Firstrand's overall GF Score™ is 81/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Credit Losses Provision calculated?
Credit Losses Provision is calculated from a company's financial statements. For Firstrand (NAM:FST), the current Credit Losses Provision 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 R98.92 is trading 16.5% above its estimated GF Value™ of R84.90. GuruFocus considers Firstrand to be Modestly Overvalued.

Key valuation signals for NAM:FST:

  • Credit Losses Provision: R0 Mil
  • GF Value™: R84.90 vs. price of R98.92 (16.5% above fair value)
  • GF Score™: 81/100 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.
81GF Score

Get the complete analysis for NAM:FST

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

R98.92
Price
R84.90
GF Value