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Standard Bank Group has the Financial Strength Rank of 5.
Warning Sign:
Standard Bank Group Ltd displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Standard Bank Group's interest coverage with the available data.
Standard Bank Group's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.26.
Altman Z-Score does not apply to banks and insurance companies.
Standard Bank Group (NAM:SNB) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Standard Bank Group has the Financial Strength Rank of 5.
Standard Bank Group Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
GuruFocus does not calculate Standard Bank Group's interest coverage with the available data.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Standard Bank Group Ltd has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
Standard Bank Group's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 (NAM:SNB) has a Financial Strength of 5 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Standard Bank Group and its competitors. This is 25% above median its historical median of 4.00. Over the past decade, Standard Bank Group's Financial Strength has ranged from 1.00 to 9.00.
Is Standard Bank Group's Financial Strength too high?
Standard Bank Group's current Financial Strength of 5 is 25% above median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 9.00. Overall, Standard Bank Group has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Group's Financial Strength compare to USB and PNC?
Standard Bank Group's Financial Strength of 5 can be compared against companies in the Banks industry. Historically, Standard Bank Group's own Financial Strength has ranged from 1.00 to 9.00 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 Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Standard Bank Group and its competitors. Standard Bank Group's current Financial Strength is 5, which is 25% above median its own 10-year median of 4.00. 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 (NAM:SNB) is currently considered Modestly Overvalued. The stock's GF Value™ is R252.82, compared to a current price of R316.70 — trading 25.3% above its estimated fair value. The current Financial Strength is 5, which is 25% above median its 10-year median of 4.00. Standard Bank Group's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Standard Bank Group (NAM:SNB), the current Financial Strength is 5 as of Jun. 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 Bank Group (NAM:SNB) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Bank Group stock appears to be overvalued.
The current stock price of R316.70 is trading 25.3% above its estimated GF Value™ of R252.82.
GuruFocus considers Standard Bank Group to be Modestly Overvalued.
Key valuation signals for NAM:SNB:
Financial Strength: 5 (25% above median its 10-year median of 4.00)
GF Value™: R252.82 vs. price of R316.70 (25.3% above fair value)
No single metric tells the full story. See the NAM:SNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
69GF Score
Get the complete analysis for NAM:SNB
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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