SBGOF (Standard Bank Group) OCF Margin %: -31.68% (As of Dec. 2025)


SBGOF Standard Bank Group Ltd SBGOF
62 GF Score
Price $19.76
GF Value $15.87
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Standard Bank Group OCF Margin %?

Standard Bank Group SBGOF -0.69% 62 OCF Margin % is -31.68% as of Dec. 2025. GuruFocus rates SBGOF with a GF Score™ of 62/100 and a GF Value™ of $15.87 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,501 Banks companies, Standard Bank Group ranks worse than 61.63% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Standard Bank Group's Cash Flow from Operations for the six months ended in Dec. 2025 was $-2,020 Mil. Standard Bank Group's Revenue for the six months ended in Dec. 2025 was $6,374 Mil. Therefore, Standard Bank Group's OCF Margin % for the quarter that ended in Dec. 2025 was -31.68%.

As of today, Standard Bank Group's current OCF Yield % is 7.04%.

The historical rank and industry rank for Standard Bank Group's OCF Margin % or its related term are showing as below:

SBGOF' s OCF Margin % Range Over the Past 10 Years
Min: 17.44   Med: 31.32   Max: 41.75
Current: 19.41


During the past 13 years, the highest OCF Margin % of Standard Bank Group was 41.75%. The lowest was 17.44%. And the median was 31.32%.

SBGOF's OCF Margin % is ranked worse than
61.63% of 1501 companies
in the Banks industry
Industry Median: 29.44 vs SBGOF: 19.41


Standard Bank Group OCF Margin % Related Terms


Standard Bank Group OCF Margin % Historical Data

* Premium members only.

The historical data trend for Standard Bank Group's OCF Margin % 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.

Standard Bank Group OCF Margin % Chart

Standard Bank Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 31.80 41.75 36.40 31.32 21.00

Standard Bank Group Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
OCF Margin % 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 18.72 59.26 6.90 80.63 -31.68

SBGOF vs PNC, USB: OCF Margin % Comparison

For the Banks - Regional subindustry, Standard Bank Group's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Standard Bank Group's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Standard Bank Group's OCF Margin % falls into.


SBGOF
62GF Score
Standard Bank Group Ltd SBGOF
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Standard Bank Group OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Standard Bank Group's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=2520.689/12005.204
=21.00 %

Standard Bank Group's OCF Margin for the quarter that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-2019.522/6373.963
=-31.68 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of -31.68% mean?
Standard Bank Group (SBGOF) has a OCF Margin % of -31.68% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Standard Bank Group and its competitors. Over the past decade, Standard Bank Group's OCF Margin % has ranged from 17.44 to 41.75. According to the industry distribution chart, Standard Bank Group ranks #925 out of 1501 companies in the Banks industry, placing it in the top 61.6%.
Is Standard Bank Group's OCF Margin % too high?
Standard Bank Group's current OCF Margin % is -31.68%. Over the past 10 years, this metric has ranged from a low of 17.44 to a high of 41.75. Based on the distribution chart, Standard Bank Group ranks #925 out of 1501 companies in the Banks industry, which is below the industry midpoint. Overall, Standard Bank Group has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Group's OCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Standard Bank Group ranks #925 out of 1501 companies for OCF Margin %. This places Standard Bank Group in the lower half of its industry. The industry median OCF Margin % is 29.44. Historically, Standard Bank Group's own OCF Margin % has ranged from 17.44 to 41.75 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Standard Bank Group and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Bank Group's current OCF Margin % is -31.68%. 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 (SBGOF) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.87, compared to a current price of $19.76 — trading 24.5% above its estimated fair value. The current OCF Margin % is -31.68%. Standard Bank Group's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Standard Bank Group (SBGOF), the current OCF Margin % is -31.68% 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 Standard Bank Group (SBGOF) Overvalued in 2026?

Based on GuruFocus' analysis, Standard Bank Group stock appears to be overvalued. The current stock price of $19.76 is trading 24.5% above its estimated GF Value™ of $15.87. GuruFocus considers Standard Bank Group to be Modestly Overvalued.

Key valuation signals for SBGOF:

  • OCF Margin %: -31.68%
  • GF Value™: $15.87 vs. price of $19.76 (24.5% above fair value)
  • GF Score™: 62/100 with 7 warning signs

No single metric tells the full story. See the SBGOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Standard Bank Group Business Description

Address 5 Simmonds Street, 9th Floor, Standard Bank Centre, Johannesburg, GT, ZAF, 2001
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.
62GF Score

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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.76
Price
$15.87
GF Value