Firstrand (NAM:FST) Margin of Safety % (DCF Dividends Based): -40.71% (As of Jun. 25, 2026)


NAM:FST Firstrand Ltd NAM:FST
85 GF Score
Price R96.23
GF Value R84.36
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Firstrand Margin of Safety % (DCF Dividends Based)?

Firstrand NAM:FST -2.80% 85 Margin of Safety % (DCF Dividends Based) is -40.71% as of Jun. 25, 2026. GuruFocus rates NAM:FST with a GF Score™ of 85/100 and a GF Value™ of R84.36 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-06-25), Firstrand's Predictability Rank is 5-Stars. Firstrand's intrinsic value calculated from the Discounted Dividend model is R75.54 and current share price is R96.23. Consequently,

Firstrand's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is -40.71%.

NAM:FST vs JPM, BAC, WFC: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Diversified subindustry, Firstrand's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Firstrand's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Firstrand's Margin of Safety % (DCF Dividends Based) falls into.


NAM:FST
85GF Score
Firstrand Ltd NAM:FST
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Firstrand Margin of Safety % (DCF Dividends Based) Calculation

Firstrand's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(68.39-96.23)/68.39
=-40.71 %

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of -40.71% mean?
Firstrand (NAM:FST) has a Margin of Safety % (DCF Dividends Based) of -40.71% as of Jun. 25, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Firstrand.
Is Firstrand's Margin of Safety % (DCF Dividends Based) too high?
Firstrand's current Margin of Safety % (DCF Dividends Based) is -40.71%. 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 Margin of Safety % (DCF Dividends Based) compare to JPM and BAC?
Firstrand's Margin of Safety % (DCF Dividends Based) of -40.71% 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 Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Firstrand. Firstrand's current Margin of Safety % (DCF Dividends Based) is -40.71%. 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 R84.36, compared to a current price of R96.23 — trading 14.1% above its estimated fair value. The current Margin of Safety % (DCF Dividends Based) is -40.71%. 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 Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For Firstrand (NAM:FST), the current Margin of Safety % (DCF Dividends Based) is -40.71% as of Jun. 25, 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 Firstrand (NAM:FST) Overvalued in 2026?

Based on GuruFocus' analysis, Firstrand stock appears to be overvalued. The current stock price of R96.23 is trading 14.1% above its estimated GF Value™ of R84.36. GuruFocus considers Firstrand to be Modestly Overvalued.

Key valuation signals for NAM:FST:

  • Margin of Safety % (DCF Dividends Based): -40.71%
  • GF Value™: R84.36 vs. price of R96.23 (14.1% above fair value)
  • GF Score™: 85/100 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.
85GF Score

Get the complete analysis for NAM:FST

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R96.23
Price
R84.36
GF Value